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Final Settlement: $42,810.65
Initial Incident
When a veteran calls about an insurance claim, we fight for them the same way they fought for our country.
Our client, a proud U.S. veteran, returned home to find standing water in their kitchen. The cause was a busted angle stop supply line, which led to water intrusion that affected:
- Damaged the kitchen flooring and cabinetry
- Spread into multiple adjoining rooms, causing additional damage to flooring, baseboards, and drywall
The Insurance Company’s Response
The insurance company inspected the damage and issued a payment of $18,756.17. This payment:
- Was presented as a full and final settlement
- Severely underestimated the cost of replacing the kitchen
- Ignored the extent of water migration and damage in adjacent areas
It was clear the insurer was attempting to settle quickly and cheaply, leaving our veteran with nowhere near enough funds to properly restore their home.
How We Helped
After reviewing the insurance company’s “fair settlement,” we immediately saw that the estimate didn’t come close to covering the necessary repairs. We stepped in to fight for a better outcome. Our process included:
- Conducting a detailed inspection and preparing a comprehensive, accurate estimate
- Attempting to negotiate with the desk adjuster, who not only refused to cooperate, but eventually stopped responding
- Invoking the appraisal clause outlined in the policy, which removed the desk adjuster from the process and placed the decision in the hands of a neutral appraiser
The Final Result
With the claim now in the hands of a neutral appraiser, the damages were reassessed objectively. The result was a new settlement of $42,810.65.
That’s a 128.25% increase over the initial payment.
Conclusion
Our honored veteran now has the funds needed to properly rebuild their home. When insurers try to cut corners, we step in and make sure our clients get what they’re owed. In this case, we were proud to fight for someone who once fought for all of us.
Initial Offer: $18,756.17
Final Settlement: $42,810.65
Veterans deserve more than thanks—they deserve justice. We make sure they get it.
