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Final Settlement: $15,000
Insurance policies are often drafted to minimize the carrier’s liability, leaving homeowners with minimal coverage when damage occurs. This client faced exactly that challenge, with an aging roof and a lower-rated insurance provider.
Initial Incident
The insured had a 20-year-old roof that suffered storm damage. Due to the policy’s age-related limits, the insurance company initially approved only $3,256.20, representing just 25% of the full replacement cost.
The Insurance Company’s Offer
Instead of providing fair coverage, the carrier:
- Applied strict age limitations tied to the roof
- Offered a fraction of the necessary repairs
- Left the homeowner significantly underpaid
How Coast 2 Coast Stepped In
After being hired, Coast 2 Coast:
- Reviewed the policy and identified the underpayment
- Documented the full scope of roof damage
- Negotiated aggressively to ensure a fair settlement
- Secured additional compensation for the true cost of repairs
The Final Result
Settlement Achieved: $15,000
This resulted in a 7,021% increase over the initial payout, giving the homeowner sufficient funds to properly replace the roof.
Conclusion
Even heavily limited policies cannot prevent homeowners from receiving fair compensation when professional advocates are involved. With Coast 2 Coast representing the client, the payout increased from $3,256.20 to $15,000, ensuring full restoration of the property.
Initial Offer: $3,256.20
Final Settlement: $15,000
Total Increase: $11,743.80
Percentage Increase: 7,021%
