Garbage Disposal Water Loss – Denied Claim Overturned, We Settled for $46,284.81

Final Settlement: $46,284.81

Initial Incident

Water losses are the most common type of claim in Florida, but insurance carriers deny nearly half of them. That’s exactly what happened to our client after their garbage disposal leaked.

The insured immediately caught the loss, took all the right steps, and complied with their policy by:

• Hiring a plumber to fix the garbage disposal
• Hiring a mitigation company to dry out the property
• Promptly reporting the claim to their insurance company

Despite doing everything correctly, the carrier still tried to deny coverage.

The Insurance Company’s Response

The insurance company’s handling of the claim was deeply flawed:

• Relied on a desk adjuster to make the coverage decision
• Denied the claim by classifying it as long-term damage
• Sent out an engineer to support their denial
• The engineer’s report claimed the leak had been ongoing for weeks, months, or years
• Ignored critical evidence: no mold, no wet rot, no long-term damage indicators

How Coast 2 Coast Helped

Coast 2 Coast Adjusters knew the carrier’s position was wrong. As experts in water and mold claims, we:

• Reviewed the carrier’s engineer report and identified its contradictions
• Documented evidence showing the water loss was sudden and accidental
• Proved that if the loss had truly been ongoing, mold would have been present (mold begins growing within 24–48 hours)
• Negotiated directly with the carrier to overturn the denial

The Final Result

Settlement Achieved: $46,284.81
We overturned the denial entirely, securing a fair payout for the insured to restore their home. Without expert representation, the homeowner would have received nothing.

Conclusion

This case highlights how often insurance companies rely on desk adjusters and biased engineering reports to deny valid water claims. Coast 2 Coast Adjusters exposed the false denial and proved the truth — delivering a $46,284.81 settlement that the insured rightfully deserved.

Initial Offer: $0 (Claim Denied)
Final Settlement: $46,284.81
Total Increase: $46,284.81
Percentage Increase: N/A (Claim initially denied))