Case Examples - Claim Examples

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Type of Claim  :  Residential - Wind/Water
Location            :  Indialantic, Florida

A Client contacted us due to a dispute with his Insurance Company on a tile roof. The insurance company wanted to repair and the insured felt a new roof was required and he was owed $53,000. Neither the Insurance Company's adjuster nor the insured had addressed all the damages suffered. We resolved the claim for $324,000 gaining recovery for the replacement roof and the interior damages suffered. A 511% increase.

Type of Claim  :  Residential - Fire/Smoke      
Location            :  Celebration, Florida

The insured contacted us as a result of the Insurance Company's demand to use their "Preferred Contractor" to make repairs for a fire suffered. This "Preferred Contractor" cited that the electrical wires could not be repaired (spliced) and new wiring had to be installed. Although our investigation found the repairs started to be in disregard of the Preferred Contractor's own estimate; as he had already installed a junction box by splicing the existing wiring in violation of code. We had the local building department investigate and they found the repairs improper and failing to meet code. The Insurance Company's Preferred Contractors provided an estimate for $11,215.49, although since our involvement the Insurance Company has offered $249,852.03 toward the repairs and there is another $50,000 in dwelling damage we are seeking. A 2,127% increase has been paid.

Some of our past claims

Insurer's Estimate Our Collections Difference % Increase  Status
$3,559.62 $31,784.41 $28,224.79 over 793% PAID
$23,850.00 $285,262.35 $261,412.35 over 1,095% PAID
$11,215.49 $486,602.87 $475,387.38 over 4,239% PAID
$22,199.27 $99,199.70 $77,000.43 over 347% PAID
$36,244.43 $181,964.90 $145,720.47 over 402% PAID
$40,753.74 $178,802.57 $138,048.83 over 339% PAID
$25,434.27 $130,670.29 $105,236.02 over 414% PAID

Note: These are average cases. 

Denials Don't Scare Us!!!

Type of Claim  :  Business (Restaurant/Convenience Store) - Fire/Smoke     
Location            :  Orlando, Florida

Insurance Company denied claim in its entirety. We documented damage and under appraisal clause of the policy recovered $125,000 for the insured.

Type of Claim  :  Church - Wind/Water  
Location            :  Pensacola, Florida

The church suffered water damages to the parsonage and Sunday school building. The Insurance Company denied the claim in its entirety. Recovery was $85,000 for the covered damages.

Insurer's Estimate Our Collections  Status
Denied $27,69.92 PAID
Denied $81,682.27 PAID
Denied $184,67000 PAID
Denied $329,186.76 PAID
Denied $2,3000,000.00 PAID

Typically our collections are 100's % higher than the Insurance Company's original estimate. Call today for a FREE consultation. If we inspect your loss and if our investigation finds the Insurers offer fair, you at least have the peace of mind of having a free professional second opinion.