Final Settlement: $62,000.00
Initial Incident
A kitchen fire turned our client’s world upside down. Like most homeowners, she expected her insurance company to guide her through the recovery process.
Instead, she was left confused about how to properly clean and restore her home after being issued only $2,700.00 for the loss.
Fire damage is more than what you can see. Soot and carbon by-products can spread throughout a home, contaminating surfaces, HVAC systems, insulation, and structural components if not properly remediated.
The Insurance Company’s Response
- Assigned a desk adjuster with no fire restoration experience.
- Issued a minimal payment of $2,700.00.
- Failed to properly assess soot and smoke migration.
- Lacked understanding of fire and carbon by-product damage.
- Did not provide a realistic path to restore the home safely and correctly.
When asked basic technical questions about fire restoration and contamination, it became clear the adjuster had no working knowledge of the process required to properly rebuild after a fire.
How We Helped
Coast 2 Coast Adjusters stepped in with hands-on fire restoration expertise:
- Conducted a comprehensive inspection of all affected areas.
- Identified widespread soot and carbon contamination.
- Educated the carrier on proper fire remediation standards.
- Documented the full scope of necessary repairs and cleaning.
- Negotiated aggressively to ensure the home would be restored the right way — not just cosmetically.
The Final Result
Settlement Achieved: $62,000.00
What began as a $2,700.00 payment was ultimately resolved for $62,000.00, giving the homeowner the ability to properly restore her home after the fire.
Conclusion
Fire claims require specialized knowledge. Without it, homeowners risk receiving settlements that fall drastically short of what is needed.
Experience matters. Coast 2 Coast Adjusters ensured this homeowner received the compensation necessary to rebuild safely and correctly.
Initial Payment: $2,700.00
Final Settlement: $62,000.00
Total Increase: $59,300.00
Percentage Increase: 2,196.30%
