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Final Settlement: $55,910.51
Initial Incident
One of our clients experienced a sudden angle stop leak under their kitchen sink. The water quickly spread, damaging the kitchen cabinets along with flooring and materials in the surrounding rooms. This type of loss called for a full restoration to pre-loss condition, especially under a Replacement Cost Value (RCV) policy.
The Insurance Company’s Response
Despite the clear and widespread damage, the insurance company attempted to minimize the claim by:
- Offering only $7,416.51 for all necessary repairs
- Recommending the replacement of only a portion of the kitchen cabinets
The result? Their plan would have left the homeowner with mismatched cabinets — half new, half old — in the same kitchen. That’s far from what the insured had been paying for.
How We Helped
When the client contacted us, we immediately took action to advocate for a fair outcome. Our team:
- Conducted a full assessment of the damage
- Wrote a comprehensive, accurate estimate
- Requested a reinspection of the property
- Presented all findings and evidence to the insurance carrier
The Final Result
Thanks to our efforts and persistence, we secured an additional $48,500 in payment through negotiation and documentation.
- The total settlement increased to $55,910.51
- That’s a 653.84% increase over the original offer
Conclusion
This case highlights the danger of settling a claim without expert representation. The numbers tell the story:
- Initial Offer: $7,416.51
- Final Settlement: $55,910.51
When insurers undervalue losses, homeowners need someone in their corner.
If you think your insurance company is underpaying your claim, call us. We make sure you get what you’ve paid for.
