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Final Settlement: $236,750.40
Initial Incident
Not every insurance dispute requires a public adjuster—but every claim deserves a fair resolution. At Coast 2 Coast, we believe in exhausting all available options before recommending litigation, especially when the policy contains alternative dispute resolution clauses, like appraisal.
In this case, a General Contractor reached out to us on behalf of his client. The GC had already completed water mitigation and full rebuild services, restoring the home after a major loss.
Despite the work being done and documented, the insurance company refused to pay what the job actually cost.
The Insurance Company’s Response
The insurer capped their payment at $124,573.82—a number far below the real cost of the completed mitigation and reconstruction. Despite efforts by the GC and insured to reason with the carrier, they refused to budge.
Attempts to resolve the issue directly included:
- Submitting full documentation of all scope, labor, and material costs
- Explaining to the desk adjuster the underpayment and full restoration work completed
- Requesting additional payment based on actual costs and invoices
All were ignored or rejected.
How We Helped
The insured opted to invoke the appraisal clause in the policy, avoiding legal action. Coast 2 Coast was brought in to act as appraiser for the insured. Our team:
- Reviewed all line items and performed a comprehensive damage valuation
- Met onsite with the opposing appraiser appointed by the insurance company
- Clearly presented the accurate scope of both mitigation and rebuild work performed
Through direct negotiation within the appraisal process, we were able to cut through the red tape and focus on facts, not excuses.
The Final Result
The appraisal concluded with a new settlement of $236,750.40—an increase of $112,176.58, or 90.06% more than what the carrier originally offered.
This outcome was possible without litigation, saving time, legal costs, and unnecessary stress.
Conclusion
When insurance carriers underpay and stall—even after the work is done—appraisal can be the fastest, fairest path to resolution. Coast 2 Coast Adjuster helped resolve this case efficiently and professionally, avoiding a courtroom while delivering what was rightfully owed.
Initial Offer: $124,573.82
Final Settlement: $236,750.40
Total Increase: $112,176.58
Percentage Increase: 90.06%
This is the power of having the right representation at the right time.
