Tree Trimming Accident – Carrier Paid $438.65, We Settled for $32,243.90

Final Settlement: $32,243.90

Initial Incident

While trimming trees near their home, a branch punctured the siding and roof, causing exterior and interior damage. The insured expected fair coverage but received only a minimal initial payout.

The Insurance Company’s Response

• Only acknowledged the small hole in the siding.
• Offered payment of just $438.65 for repairs.
• Ignored roof damage from the falling branch.
• Severely undervalued the cost of restoring the home.

How We Helped

Coast 2 Coast Adjusters stepped in and took immediate action:

• Conducted a complete inspection of siding, roofing, and interior damage.
• Documented all repair and replacement needs with photos and reports.
• Challenged the carrier’s insufficient estimate through negotiations.
• Advocated for the insured to ensure full coverage was recognized.

The Final Result

Settlement Achieved: $32,243.90
The claim settled at $32,243.90, a 7,260% increase from the insurance company’s initial $438.65 offer—providing the homeowner the funds to properly repair their property.

Conclusion

This case shows how insurers can minimize damage assessments, leaving homeowners underpaid. With Coast 2 Coast’s support, the insured received a fair settlement.

Initial Offer: $438.65
Final Settlement: $32,243.90
Total Increase: $31,805.25
Percentage Increase: 7,260%