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Final Settlement: $32,800
Insurance companies often collect premiums without hesitation but fight hard to minimize payouts when disaster strikes. That was exactly the case for this client, who was referred to Coast 2 Coast by another satisfied homeowner.
Initial Incident
A windstorm caused hidden water intrusion, splitting seams in the drywall and baseboards. The client noticed the damage as the storm passed and filed a claim, expecting the insurance company to respond appropriately.
The Insurance Company’s Offer
Instead of addressing the full scope of damage, the carrier:
- Considered the claim under the deductible
- Ignored all communication with the insured
- Failed to recognize the hidden water intrusion and drywall splitting
How Coast 2 Coast Stepped In
Once hired, Coast 2 Coast took immediate action:
- Inspected the property and documented the hidden water damage
- Used flashlights and thorough checks to uncover water stains and drywall splitting
- Submitted a Letter of Representation (LOR) to compel the insurance company to engage
- Negotiated firmly to ensure the claim reflected the full scope of the loss
The Final Result
Settlement Achieved: $32,800
This represented a 3,180% increase from the insurance company’s initial undervalued assessment.
Conclusion
Insurance carriers often attempt to dismiss or undervalue claims, especially for hidden damages like water intrusion. With Coast 2 Coast advocating for the insured, the payout increased from under deductible to $32,800, providing full coverage to restore the property.
Initial Offer: Under Deductible
Final Settlement: $32,800
Total Increase: $32,800+
Percentage Increase: 3,180%
