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Veteran’s Home Damaged by Storm – Insurance Initially Offers Only $1,351.01

Final Settlement: $15,120.08

Initial Incident

Our client, a dedicated military veteran, began to notice a foul odor inside their home. Upon investigation, it was discovered that a hidden leak inside the wall was the cause. This leak stemmed from water intrusion due to a recent windstorm that damaged the roof and compromised the stucco exterior.

The Insured Takes Prompt Action

Following the damage, the insured took all the right steps as outlined in their policy:

  • Contacted a plumber to investigate the leak
  • Hired a roofer to address the roof damage
  • Brought in a general contractor to assess and initiate necessary repairs

Despite their quick and responsible action, the insurance company only issued an undisputed payment of $1,351.01 for the loss.

How We Helped

The veteran contacted us to ensure they received the full compensation they were owed under their policy. Our process included:

  • Requesting a reinspection of the property
  • Writing our own comprehensive and fair estimate
  • Submitting detailed documentation and evidence to support the claim

Insurance Company’s Refusal

Even after reviewing our estimate and all supporting documents, the insurance company refused to increase their initial payment of $1,351.01.

Our Response: Demanding Appraisal

To protect our client’s rights and secure a fair outcome, we invoked the appraisal clause in the policy. This move brought in neutral third-party appraisers to evaluate the damages objectively.

The Final Result

Thanks to our persistence and expertise:

  • The loss was ultimately settled for $15,120.08
  • That’s a 1019.18% increase from the original insurance offer

Conclusion

Insurance policies are complex—and without a professional advocating for their interests, policyholders often settle for less than what they are owed. In this case, we made sure our veteran client received the compensation they deserved.

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