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Final Settlement: $89,361.53
Initial Incident
A common cause of water damage in homes is shower pan failure—and when it happens, water finds the path of least resistance and spreads quickly.
That’s exactly what occurred with this client. The water originated in the upstairs bathroom, and by the time it was discovered, it had already migrated through multiple areas of the home. Thankfully, this homeowner did not have any water caps in their insurance policy, which could have significantly limited their payout.
The client immediately filed a claim, trusting that their insurance carrier would step in and handle the loss appropriately.
The Insurance Company’s Response
Instead of properly scoping the damage, the insurance company issued a payment of just $4,295.94. According to them, that was sufficient to restore the home to its pre-loss condition.
However, this amount was wildly off base. In fact, the insurer was:
- Ignoring water migration to rooms beyond the bathroom
- Underestimating materials, labor, and restoration costs
- Overlooking key areas of structural and cosmetic damage
When we reviewed the estimate, it became clear that the true cost to restore the home was $89,361.53. That’s a difference of $85,065.59—and one that would’ve fallen entirely on the homeowner if they hadn’t sought help.
How We Helped
Once Coast 2 Coast Adjuster took over, we got to work right away. Our process included:
- Conducting a detailed, full-property inspection
- Creating an accurate estimate based on real material and labor costs
- Presenting a full scope of the damages, backed with documentation
- Negotiating directly with the insurance carrier and pushing back on the clearly inadequate offer
Because the policy had no water damage caps and the facts were on our side, we were able to fight for a proper settlement—one that actually covered the repairs required.
The Final Result
We successfully settled the claim for a final payment of $89,361.53.
That’s a 1980.52% increase over the original offer of $4,295.94—a result that ensured our client didn’t have to pay tens of thousands out of pocket for a covered loss.
Conclusion
If the insured had accepted the original offer, they would have had to cover $85,000+ in repairs themselves—despite having insurance and believing they were “in good hands.”
This case is a powerful reminder that policyholders deserve fair compensation—not lowball estimates from adjusters who miss or ignore the full scope of a loss.
Initial Offer: $4,295.94
Final Settlement: $89,361.53
Total Increase: $85,065.59
Percentage Increase: 1980.52%
This is why we do what we do. Getting our clients what they are truly owed is not just our mission—it’s our passion.
