Final Settlement: $29,500.00
Initial Incident
Following another severe windstorm, our client’s roof sustained significant damage, with shingles torn off and water intruding into the garage.
The roof was only 8 years old, installed in 2018, and had successfully withstood 5 hurricanes and more than 100 windstorm events prior to this loss.
The Insurance Company’s Response
- Assigned an engineer who produced a 100+ page report.
- Denied the claim, alleging improper installation of the 8-year-old roof.
- Relied on a report filled with photographs that actually supported proper installation.
- Desk adjuster (with no field inspection experience or roofing background) adopted the engineer’s conclusion without fully reviewing the report.
- Issued a full denial based on the engineering opinion.
How We Helped
Coast 2 Coast Adjusters immediately went to work:
- Carefully reviewed all 100+ pages of the engineering report.
- Identified inconsistencies between the engineer’s conclusions and photographic evidence.
- Documented storm-related damages and clear wind-created openings.
- Challenged the improper denial and held the carrier accountable.
- Persistently pressured the insurance company to honor the policy and reassess the claim fairly.
We refused to allow a questionable engineering report to dictate the outcome.
The Final Result
Settlement Achieved: $29,500.00
What began as a full denial supported by an extensive engineering report ultimately resulted in a $29,500.00 settlement for the insured.
Conclusion
Insurance companies sometimes rely on lengthy engineering reports to justify denials — but volume does not equal validity.
Thorough review, industry knowledge, and relentless advocacy made the difference. Coast 2 Coast Adjusters ensured this claim was properly evaluated and fairly resolved.
Initial Determination: Claim Denied ($0.00)
Final Settlement: $29,500.00
Total Increase: $29,500.00
Percentage Increase from $0 Offer: 2,950,000%
