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Final Settlement: $37,918.04
Initial Incident
After a hurricane damaged her roof, a senior citizen in Florida trusted her insurance company to cover the cost of repairs. Instead, they issued an estimate conveniently written just under her deductible — resulting in $0 being paid.
Living on a fixed income, she couldn’t afford the $37,000 needed for a roof replacement. Feeling defeated, she began packing her belongings to sell her home and rent, believing she had no other choice.
The Insurance Company’s Response
The insurer’s estimate:
- Was strategically written below the deductible, meaning no payout at all
- Completely ignored the full scope of hurricane-related roof damage
- Took advantage of the homeowner’s age and financial situation
- Left her home vulnerable to future storm damage
How We Helped
While working on a neighbor’s claim, Coast 2 Coast Adjusters learned of her situation. We:
- Reviewed her claim and found major discrepancies between the damage and the insurer’s estimate
- Conducted a thorough roof inspection to document all hurricane-related damage
- Took the claim to appraisal to force a fair evaluation
- Advocated fiercely on her behalf to ensure she received a full and fair settlement
The Final Result
Settlement Achieved: $37,918.04
That’s a complete turnaround from the initial $0 offer — enough to replace her roof entirely and keep her in her home.
Conclusion
Without proper representation, this homeowner was ready to leave her home of many years. Coast 2 Coast Adjusters exposed the insurer’s underpayment tactics, secured the settlement she deserved, and helped her stay protected under a brand-new roof.
Initial Offer: $0
Final Settlement: $37,918.04
Total Increase: $37,918.04
Percentage Increase: From nothing to full coverage
