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Final Settlement: $38,000.00
Initial Incident
Hot water heaters don’t last forever—and when they fail, it’s not a slow drip. It’s a full rupture that releases water nonstop until the supply is cut off.
That’s exactly what happened to one of our clients. Their hot water heater burst, flooding parts of the home before it could be stopped. The damage was severe and included:
- A hole in the side of the garage (wood-frame construction)
- Water migration from the garage into the bedroom and surrounding interior areas
The homeowner acted quickly and filed an insurance claim, trusting their carrier to issue the funds needed to rebuild.
The Insurance Company’s Response
After inspection, the insurance company issued a check for just $4,471.72 to cover all damages, including:
- Structural garage repairs
- Bedroom water restoration
- Materials, labor, and rebuild costs
Needless to say, this wasn’t even close to what was needed to make the home whole again.
How We Helped
That’s when Coast 2 Coast Adjuster stepped in. We reviewed the situation and immediately:
- Performed a full on-site inspection to document the real scope of the loss
- Wrote a professional estimate that reflected the actual cost to restore the home
- Engaged in negotiations with the carrier to demand a fair settlement
- Secured a final agreement with a signed release to close the claim properly
The Final Result
The final settlement? $38,000.00 — a 749.78% increase from the original offer of $4,471.72.
That’s not just a better number. That’s the difference between rebuilding and being left behind.
Conclusion
Without a professional adjuster, this homeowner would’ve had to cover tens of thousands of dollars in repairs out-of-pocket. Instead, with Coast 2 Coast on their side, they received exactly what they were owed.
Initial Offer: $4,471.72
Final Settlement: $38,000.00
Total Increase: $33,528.28
Percentage Increase: 749.78%
