Tornado Damage – Carrier Paid $254.39, We Settled for $36,500

Final Settlement: $36,500

Initial Incident

A tornado caused severe roof and interior water damage to the insured’s home. Expecting fair coverage, the homeowner was shocked when their insurance company issued a drastically underpaid settlement check.

The Insurance Company’s Response

• Issued a payment of only $254.39 for all damages.
• Ignored the true cost of roof replacement and interior restoration.
• Failed to honor the insured’s long-standing policy coverage.
• Attempted to close the claim without properly addressing tornado damages.

How We Helped

Coast 2 Coast Adjusters stepped in and took immediate action:

• Inspected the full scope of tornado-related roof and interior damages.
• Prepared a detailed estimate reflecting the real costs of restoration.
• Denied appraisal to push the claim forward effectively.
• Took the case to mediation and secured a fair settlement.

The Final Result

Settlement Achieved: $36,500
The claim was settled for $36,500, ensuring the insured could fully repair their home—an enormous difference from the insurance company’s initial lowball payment.

Conclusion

This case highlights how insurers may try to minimize tornado damage claims with inadequate payouts. With Coast 2 Coast’s intervention, the insured received a settlement that truly reflected their losses.

Initial Offer: $254.39
Final Settlement: $36,500
Total Increase: $36,245.61
Percentage Increase: 14,270%