Final Settlement: $25,270.00
Initial Incident
After a windstorm in Florida, the insured’s covered patio roof sustained significant damage, leading to water intrusion into the family room. The homeowners promptly filed a claim expecting coverage under their policy.
The Insurance Company’s Response
- Sent an engineer whose report resulted in a full claim denial.
- Relied on a questionable engineering opinion to avoid coverage.
- After a reinspection was demanded, reversed the denial.
- Reclassified the claim as “covered” but valued the damages below the deductible — resulting in $0 payment.
How We Helped
Coast 2 Coast Adjusters stepped in and took immediate action:
- Demanded a formal reinspection of the property.
- Challenged the findings of the original engineering report.
- Documented all storm-related damages, including roof and interior water intrusion.
- Applied continued pressure and refused to accept an unfair outcome.
- Negotiated aggressively to secure proper compensation without immediately resorting to litigation.
The Final Result
Settlement Achieved: $25,270.00
What began as a full denial with an engineering report shifted to an under-deductible determination — and ultimately resulted in a $25,270.00 settlement for the homeowner.
Conclusion
Insurance companies may attempt to deny or minimize valid claims, but persistence and experienced representation make the difference.
Coast 2 Coast Adjusters did not back down — and ensured the insured received the compensation they were rightfully owed.
Initial Determination: Claim Denied ($0.00)
Revised Determination: Below Deductible ($0.00)
Final Settlement: $25,270.00
Total Increase: $25,270.00
Percentage Increase from $0 Offer: 2,527,000%
