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Final Settlement: $42,829.36
Initial Incident
Our client experienced serious damage to their home due to a sewage backup. This was a clear Category 3 water loss, which involves highly contaminated water and requires specific remediation procedures to protect the safety of the occupants and integrity of the structure.
Unfortunately, the insurance company didn’t treat it that way.
The Insurance Company’s Response
The insurance carrier wrote an estimate and offered $9,865.30 for the loss. This offer:
- Failed to recognize the severity of Category 3 water damage
- Ignored industry-standard protocols for sewage remediation
- Would have left the property improperly repaired and unsafe
Whether due to a lack of understanding or a deliberate attempt to underpay, the carrier’s estimate didn’t come close to covering the real cost of making the home safe and habitable again.
How We Helped
What separates Coast 2 Coast Adjusters from other public adjusting firms is our background in restoration.
Brian, the owner of the company, is a Master Water, Fire, and Textile Restorer with nearly a decade of experience running multiple water mitigation companies. His in-depth knowledge of contamination categories and industry protocol allowed us to step in and make sure this loss was handled properly.
We took the following steps:
- Identified and documented the Category 3 contamination
- Prepared a detailed scope of work based on real-world restoration practices
- Challenged the insurance company’s inadequate scope
- Took the claim to appraisal when negotiations stalled
The Final Result
After appraisal, the claim was awarded a total of $42,829.36.
That’s more than 4 times the amount of the initial offer.
Conclusion
Without proper representation, our client would have received just 25% of what the claim was truly worth. Thanks to our experience in both restoration and adjusting, we made sure the home was restored safely,
Initial Offer: $9,865.30
Final Settlement: $42,829.36
When it comes to contaminated water losses, experience matters. We don’t just estimate—we understand the science behind the damage.
