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Final Settlement: $27,856.20
One of the most common tactics insurers use is telling policyholders, “your claim is covered, but the cost of repairs falls under your deductible.” Many homeowners accept this as the final word and are left to pay out of pocket. Our client refused to settle for that.
Initial Incident
After sustaining roof damage, the insured filed a claim expecting the policy they had faithfully paid into for years would provide meaningful coverage.
The Carrier’s Response
Instead of properly funding the repairs, the insurance company:
- Declared the claim was “covered,” but issued no payment
- Used the deductible as justification for offering $0 toward repairs
- Left the homeowner frustrated, angry, and without the resources to fix the damage
Coast 2 Coast’s Intervention
Once Coast 2 Coast was brought in, we:
- Reviewed the insurance company’s inadequate estimate
- Prepared a detailed scope of loss reflecting the true damages
- Negotiated directly with the carrier to secure a fair settlement
- Doubled the payout to ensure proper restoration
The Final Result
Settlement Achieved: $27,856.20
That’s an astounding 13,828% increase from the insurance company’s original “no payment” position.
Conclusion
Deductible denials are a common strategy insurers use to minimize payouts, but policyholders don’t have to accept them. Coast 2 Coast turned a $0 offer into a $27,856.20 settlement, proving that having the right representation makes all the difference.
Initial Offer: $0
Final Settlement: $27,856.20
Total Increase: $27,856.20
Percentage Increase: 13,828%
