Skip to content
Final Settlement: $38,000.00
Even small appliance leaks can lead to major property damage when left unchecked. In this case, a leaking garbage disposal caused extensive damage to kitchen cabinets and flooring. The insurance company initially offered a minimal settlement — equal only to the deductible — but Coast 2 Coast Adjusters fought to ensure the insured received a fair payout.
Initial Incident
A leaking garbage disposal under the kitchen sink resulted in:
- Water damage to lower cabinets
- Swelling and deterioration of wood flooring
- Potential mold concerns from prolonged moisture exposure
The insured promptly filed a claim expecting adequate coverage for repairs.
The Insurance Company’s Response
Instead of addressing the full extent of damage, the carrier:
- Offered a $1,000 settlement, equal to the policy deductible
- Dismissed the scope of cabinet and flooring replacement
- Attempted to settle the claim quickly and minimize payout
- Ignored the long-term damage caused by moisture intrusion
How Coast 2 Coast Stepped In
Once retained, Coast 2 Coast:
- Inspected and documented the full extent of cabinet and flooring damage
- Presented detailed repair estimates backed by photographic evidence
- Challenged the carrier’s undervaluation and low settlement tactics
- Negotiated persistently until the insurer issued a fair release of claims
The Outcome
Settlement Achieved: $38,000.00
This represented a 3,700% increase compared to the insurance company’s original offer of $1,000.00.
Conclusion
Even minor leaks can result in significant hidden damage — but insurance carriers often attempt to minimize these claims. Through Coast 2 Coast’s expertise, persistence, and evidence-backed negotiation, a minimal offer was turned into a $38,000.00 settlement, ensuring the insured’s kitchen was fully restored.
Initial Offer: $1,000.00
Final Settlement: $38,000.00
Total Increase: $37,000.00
Percentage Increase: 3,700%
