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Final Settlement: $39,551.02
When a water loss occurs, it can impact more than just the immediate area. Flooring that continues through multiple rooms must be replaced consistently, or the home will not be restored to its true pre-loss condition. Carriers are obligated to return a property to that standard — but they don’t always honor it.
Initial Incident
Our insured suffered a water loss in the bathroom that damaged not only the bathroom flooring but also the connected flooring in adjacent rooms. The insured expected the carrier to pay for a full repair so the home would match its pre-loss appearance.
The Insurance Company’s Response
Instead of covering the full replacement cost, the carrier:
- Approved only partial repairs
- Ignored the continuity of flooring throughout the house
- Offered a last and “best” settlement of $19,022.45
How Coast 2 Coast Stepped In
After being hired, Coast 2 Coast:
- Documented the full scope of the water loss and adjoining damage
- Cited policy language requiring the home to be restored to pre-loss condition
- Negotiated firmly against the insurer’s low settlement
- Secured compensation for the entire continuous flooring replacement
The Outcome
Settlement Achieved: $39,551.02
This represented a 107.92% increase compared to the insurance company’s final offer of $19,022.45.
Conclusion
Carriers often try to minimize flooring replacement costs, but matching repairs are required to return a property to pre-loss condition. With Coast 2 Coast’s advocacy, the insured’s payout more than doubled, ensuring the home was fully restored.
Initial Offer: $19,022.45
Final Settlement: $39,551.02
Total Increase: $20,528.57
Percentage Increase: 107.92%
