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Final Settlement: $27,947.96
At Coast 2 Coast, our goal during every inspection is to leave homeowners confident that no hidden or developing damage is being overlooked. In this case, we were called to inspect a kitchen loss but quickly identified a second issue before it turned into a major disaster.
Initial Incident
While inspecting the kitchen damage, our adjuster recommended checking the rest of the property for potential problems. During that walkthrough, we discovered that a bathroom sink had begun leaking — a problem the insured was not yet aware of.
The Insurance Company’s Response
The carrier combined the bathroom and kitchen losses into one claim but attempted to settle for just $4,405.63. Their approach:
- Grouped both claims together to minimize payout
- Significantly undervalued the true cost of repairs
- Left the insured with insufficient funds to restore their property
How Coast 2 Coast Stepped In
Once retained, Coast 2 Coast:
- Documented both the kitchen and bathroom damages thoroughly
- Filed the claim properly as sister claims
- Took the matter to appraisal to challenge the low valuation
- Negotiated aggressively to secure fair compensation
The Outcome
Settlement Achieved: $27,947.96
This represented a 534.44% increase from the carrier’s initial payment of $4,405.63.
Conclusion
Hidden or secondary losses are often overlooked by carriers — or intentionally minimized. With Coast 2 Coast’s expertise, this homeowner’s payout grew from $4,405.63 to $27,947.96, ensuring both kitchen and bathroom repairs were fully covered.
Initial Offer: $4,405.63
Final Settlement: $27,947.96
Total Increase: $23,542.33
Percentage Increase: 534.44%
