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Final Settlement: $35,000.00
Initial Incident
In Florida, air conditioning isn’t just a luxury — it’s a necessity. And with year-round use, even a small mechanical failure can lead to major problems.
In this case, a float valve failed in our client’s HVAC system, causing water to back up and overflow. This led to water intrusion throughout the home, damaging walls, floors, and building materials before it was discovered.
The homeowner did everything right:
- She called a professional mitigation contractor to begin drying out the property
- She filed an insurance claim immediately after discovering the water damage
Unfortunately, her insurance company did not respond with the same urgency.
The Insurance Company’s Response
It took months before the insurance company sent someone to inspect the damage—leaving the homeowner to wait, watch, and worry.
When they finally did respond, they:
- Extended coverage, but issued a payment of only $8,237.88
- Severely underestimated the extent of the water damage
- Offered no explanation for the long delay or the minimal payout
This offer barely scratched the surface of what was needed to complete proper repairs.
How We Helped
That’s when Coast 2 Coast Adjuster was brought in. We immediately:
- Reviewed the claim and all available documentation
- Inspected the entire affected area and created a detailed estimate
- Entered negotiations with the insurance carrier to secure a fair resolution
We knew the true scope of the damage and refused to let the insurance company close the file with a lowball offer.
The Final Result
We were able to settle the claim for $35,000.00 with a signed release.
That’s a 324.86% increase over the original payout of $8,237.88—and enough to finally allow the homeowner to restore her property to pre-loss condition.
Conclusion
Delays. Lowball offers. Missed damages. These are all-too-common insurance company tactics. But with expert representation, policyholders don’t have to settle for less.
Initial Offer: $8,237.88
Final Settlement: $35,000.00
Total Increase: $26,762.12
Percentage Increase: 324.86%
