Skip to content
Final Settlement: $33,554.86
Roof claims are among the most common — and most frequently undervalued — losses homeowners experience. Time and again, insurance carriers issue settlement offers that fall far short of covering the true cost of repair or replacement. This case was no exception.
Initial Incident
Following a severe storm, our insured’s home sustained:
- Significant roof damage from wind and debris
- Interior water intrusion affecting ceilings and walls
The homeowner promptly filed a claim and expected fair compensation for full restoration.
The Insurance Company’s Response
Despite the clear storm-related damage, the carrier:
- Offered only $7,322.63 as a settlement
- Ignored the need for full roof replacement
- Undervalued the scope of interior water damage
- Attempted to minimize the loss in hopes the insured would accept a low payout
How Coast 2 Coast Stepped In
Once retained, Coast 2 Coast:
- Conducted a detailed inspection and damage assessment
- Provided documentation supporting full replacement requirements
- Cited policy provisions requiring restoration to pre-loss condition
- Negotiated persistently to secure a fair settlement aligned with actual repair costs
The Outcome
Settlement Achieved: $33,554.86
This represented a 358.24% increase compared to the insurance company’s final offer of $7,322.63.
Conclusion
Insurance carriers often attempt to close roof claims with minimal settlements that don’t come close to covering real repair costs. Through Coast 2 Coast’s expert representation and evidence-backed negotiation, the insured’s payout increased by over 350%, ensuring the home was fully restored to pre-loss condition.
Initial Offer: $7,322.63
Final Settlement: $33,554.86
Total Increase: $26,232.23
Percentage Increase: 358.24%
