Final Settlement: $73,630.43
Initial Incident
Following a fire loss, the insured was faced with the complex process of restoring their home. Beyond visible damage, fires leave behind soot and carbon by-products that can cause serious ensuing damage if not properly addressed.
Understanding the full scope of fire restoration is critical to ensuring the home is fully and safely restored — not just patched up.
The Insurance Company’s Response
- Issued an initial settlement of $41,733.97.
- Underestimated the scope of work needed for proper fire and soot remediation.
- Failed to account for the specialized restoration process required after a fire.
- Overlooked potential ensuing damages that could impact the home long-term.
How We Helped
Coast 2 Coast Adjusters brought in experience that matters: a Master Fire Restorer Public Adjuster who understands the restoration process from start to finish.
- Leveraged Master Fire Restorer credentials to properly assess the loss.
- Educated the insurance company on the correct fire restoration process.
- Identified soot and carbon by-product damage that was initially overlooked.
- Documented the full scope of work needed to prevent future ensuing damages.
- Negotiated persistently with the desk adjuster until a fair settlement was reached.
The Final Result
Settlement Achieved: $73,630.43
What began as a $41,733.97 offer was successfully negotiated to $73,630.43, ensuring the homeowner had the resources needed to properly restore their home.
Conclusion
Fire claims require more than just an estimate — they require knowledge, experience, and an understanding of the restoration process.
With a Master Fire Restorer guiding the claim, Coast 2 Coast Adjusters ensured the insurance company recognized the true scope of work and paid what was rightfully owed. It truly pays to have representation that has done the work.
Initial Offer: $41,733.97
Final Settlement: $73,630.43
Total Increase: $31,896.46
Percentage Increase: 76.43%
