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Final Settlement: $52,205.69
Initial Incident
A Florida landlord residing out of state requested Coast 2 Coast Adjusters to inspect multiple rental properties following a recent hurricane. Unable to assess the damage firsthand, the insured relied on our close coordination with their property management company to reveal storm-related impacts that were unseen by remote oversight.
The Insurance Company’s Response
The insurance carrier issued an initial offer of $34,363.40—despite clear evidence of wind-driven rain, roof and siding damage, and interior leaks that warranted a much larger repair payout.
How We Helped
Because the policy included an appraisal clause, we stepped in as both Public Adjuster and Appraiser. We then:
- Conducted thorough inspections in conjunction with property management
- Prepared and submitted a comprehensive damage estimate
- Activated the appraisal process to challenge the insurer’s valuation
- Presented findings directly, leveraging policy language and documented storm damage
The Final Result
Settlement Achieved: $52,205.69
That’s a 51.92% increase over the company’s original offer—a significant recovery that fully covered the cost to restore hurricane-damaged rentals and resume income generation.
Conclusion
For landlords who cannot physically oversee their Florida investments, storm claims present unique challenges. By managing inspections, leveraging appraisal rights, and negotiating effectively, Coast 2 Coast ensured the insured received the funds necessary to repair and protect their rental assets.
Initial Offer: $34,363.40
Final Settlement: $52,205.69
Total Increase: $17,842.29
Percentage Increase: 51.92%
