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Final Settlement: $48,338.69
Initial Incident
Living in Florida means enjoying paradise but also facing the reality of powerful storms. Our client in North Florida experienced severe storm damage that caused water intrusion in four rooms and significant roof damage. She filed a claim with her insurance company, expecting her years of premium payments to cover full restoration to pre-loss condition.
The Insurance Company’s Response
The insurer issued a payment of $18,441.71, which:
- Would not cover a full roof replacement
- Overlooked the extent of interior water damage
- Placed the burden on the homeowner to cover the difference
- Was based on an incomplete and undervalued assessment of the damages
How We Helped
Coast 2 Coast Adjusters stepped in to advocate for our client:
- Conducted a thorough inspection to identify all storm-related damage
- Prepared a detailed, accurate estimate for the real cost of repairs
- Negotiated directly with the insurer to secure a fair settlement
- Ensured the homeowner could restore her home without paying out-of-pocket for covered damages
The Final Result
Settlement Achieved: $48,338.69
That’s an increase of $29,896.98 over the original offer — enough to replace the roof and repair all interior damages properly.
Conclusion
Insurance premiums are meant to protect homeowners, not leave them with unpaid repair bills. Coast 2 Coast Adjusters fought for our client, transforming an inadequate payout into a full settlement that truly restored her home and peace of mind.
Initial Offer: $18,441.71
Final Settlement: $48,338.69
Total Increase: $29,896.98
Percentage Increase: 162%
