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Final Settlement: $26,000
Initial Incident
Near Central Florida’s theme parks, our client’s small business relied on a highly themed Airbnb rental, with character-designed rooms in constant demand by visiting families. When the HVAC drain line backed up, water leaked into three upstairs bedrooms and collapsed the living room ceiling below, forcing the property offline and halting rental income.
The Insurance Company’s Response
Following the claim, the insurer issued an offer of $1,570.72 as a full settlement. The amount severely underestimated structural and cosmetic repairs needed to restore the three themed bedrooms, living area ceiling, and bathroom flooring.
How We Helped
Our team stepped in and:
- Conducted a comprehensive inspection documenting visible and hidden damage
- Prepared a complete estimate covering drywall repair, painting, ceiling replacement, flooring, and moisture mitigation
- Presented the revised claim directly to the insurer and pushed back against initial omissions and undervaluation
- Persisted through negotiations until a fair resolution was offered
The Final Result
Coast 2 Coast secured a final settlement of $26,000, representing a 1,655.29% increase over the original offer.
Conclusion
Without our advocacy and expertise, the insured would have received less than 6% of the funds needed to restore the rental to its pre-loss condition. This case highlights how an underqualified desk adjuster—and a lowball offer—can jeopardize an income-generating property. At Coast 2 Coast, we deliver the construction knowledge, policy insight, and claim experience necessary to get our clients fully paid.
Initial Offer: $1,570.72
Final Settlement: $26,000
Total Increase: $24,429.28
Percentage Increase: 1,655.29%
