Case Studies
The settlement you were offered is rarely the settlement you deserve.
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Destin beachfront condo: wind versus flood allocation fight.
Beachfront condo storm surge + wind. Proper wind allocation doubled homeowners recovery.+204%Wellington equestrian property: specialty scope and appraisal.
Barn damage during hurricane; equestrian equipment covered with proper documentation.+332%Winter Park smoke: whole-home remediation and content cleaning.
Kitchen fire with whole-home smoke migration. Thermal fogging and content cleaning expanded claim.+353%Boca Raton luxury home water: specialty contractor scope.
Luxury home water damage. Custom finishes required specialized scope.+378%Vero Beach theft: scheduled rider versus burglary sublimit.
Theft of scheduled jewelry. Scheduled rider enabled full payout despite burglary sublimit.+2233%Gulfport septic failure: water backup endorsement reclassification.
Septic failure damaged yard and home. Sewer backup endorsement applied.+600%North Port Hurricane Ian: mold supplemental weeks after the storm.
Hurricane Ian water damage; mold discovered during late renovation. Supplemental approved.+280%Panama City Hurricane Michael: wind plus total loss scope.
Category 5 Hurricane Michael total loss. Ordinance or law and code upgrades maximized recovery.+381%Naples tree on pool cage: Coverage B reclassification fight.
Tree fell on pool cage. Coverage B reclassification and full replacement.+1167%Key Largo sewage backup: sewer exclusion versus water backup endorsement.
Sewer backup damaged basement. Water backup endorsement enabled recovery.+967%Hollywood Hurricane Wilma: legacy supplemental after renovation.
Hurricane Wilma damage rediscovered during renovation. Supplemental claim approved.Miami condo water: betterments plus master policy gap.
Condo water damage with betterments. Navigated master policy and HO-6 coordination.+425%St Augustine storm surge: NFIP contents inventory expansion.
Storm surge total loss of contents. NFIP claim expanded via proper inventory.+317%Jacksonville fire: art collection scheduled rider valuation.
House fire with art collection damage. Scheduled rider defeated flat contents offer.+640%Sarasota lightning: home systems itemization, full scope.
Lightning strike damaged multiple home systems. Itemized replacement tripled offer.+650%Orlando water plus mold: mold sublimit maximized with hygienist.
Water leak with mold development. Carrier offered water damage only; mold remediation tripled recovery.+463%Tampa sinkhole: grouting-only repair versus underpinning scope.
Sinkhole activity; carrier authorized inadequate grouting. Structural engineer showed underpinning required.+450%Fort Myers Hurricane Milton: full roof replacement via matching.
Hurricane Milton roof damage. Carrier authorized partial repair. FS 626.9744 matching drove full replacement.+271%Clearwater kitchen fire: smoke scope, whole-home documentation.
Kitchen fire with extensive smoke damage. Carrier limited scope to fire room; smoke scope expanded claim materially.+306%DeLand Hurricane Ian: contents itemized inventory expansion.
Hurricane Ian flooding contents loss. Carrier offered flat settlement. Itemized inventory tripled recovery.+467%Melbourne lightning damage: HVAC full-replacement justification.
Lightning strike damaged HVAC system. Carrier wanted component repair; system age required full replacement.+338%Boca Raton isolated tornado: detached garage and pool cage loss.
Isolated tornado destroyed detached garage and pool enclosure. Coverage B maxed.+105%Delray Beach theft: scheduled rider versus jewelry sublimit.
Theft of jewelry. Policy had scheduled personal property rider; carrier initially applied unscheduled sublimit.+1767%Winter Haven mobile home Ian: full replacement under FS 626.9744.
Ian damaged mobile home significantly. Repair inadequate; full replacement triggered.+217%Lakeland AC condensation: sudden discharge versus gradual denial.
HVAC condensate line failed and water damaged ceilings. Carrier initially classified as gradual (excluded).Miami Beach coastal home: wind scope alongside NFIP flood.
Irma damage with both wind and flood. NFIP paid flood; homeowners fought for wind scope.+214%Tallahassee sewer backup: what the water backup endorsement covers.
Sewer backup damaged basement and contents. Claimant had the often-overlooked water backup endorsement.+833%Pensacola tree impact: detached garage Coverage B maximized.
Large oak fell on detached garage during storm. Garage total loss; Coverage B sublimit insufficient.+68%Cape Coral kitchen fire: contents claim with itemized inventory.
Kitchen fire with substantial contents damage. Initial flat contents offer tripled after itemized submission.+305%Fort Pierce condo: water from unit above, master policy dispute.
Water from upstairs unit damaged insured's condo. Master policy and unit HO-6 disputed responsibility.+363%Ocala sinkhole: grouting-only offer versus underpinning scope.
Sinkhole activity; carrier wanted cheapest remediation. Engineer showed stabilization-only would fail.+560%Gainesville lightning strike: electronics itemized inventory scope.
Lightning-caused electronics damage. Initial scope was flat offer; itemized restoration/replacement expanded scope dramatically.+247%St Augustine Hurricane Matthew: wind versus flood allocation fight.
Matthew produced significant coastal surge. NFIP paid flood; homeowners fought over wind portion.+138%Crestview mobile home Hurricane Sally: fighting a pre-existing damage denial.
Mobile home policy with tight exclusions. Initial denial based on pre-existing condition; photos from prior listing defeated the denial.Boca Raton luxury home water: custom finishes scope dispute.
High-end property water damage. Carrier scope reflected commodity pricing; actual restoration required high-end materials matching.+280%Daytona Hurricane Ian: spawned tornado, wind classification fight.
Ian spawned a tornado in Daytona. Initial scope treated as straight-line wind; tornado-force damage justified much higher scope.+181%Panama City Beach condo: master versus unit owner split.
Condo unit interior damage from storm. Master policy denied, unit owner had to fight for betterments coverage.+100%Key West Hurricane Irma: contents total plus structure allocation.
Irma devastated the Keys. Insured had moved contents to second floor before storm; surge reached second floor. Carrier disputed contents reaching that height.+188%Jacksonville pipe burst: mold supplemental behind the walls.
Pipe burst during a cold snap. Initial scope missed behind-wall contamination. Mold remediation expanded the recovery significantly.+375%Panhandle Hurricane Michael: full roof, decking, and contents scope.
Category 5 Michael devastated Mexico Beach. Carrier offered a fraction of actual damage. Full scope + ordinance or law pushed recovery past $300k.+467%Naples Hurricane Milton: mold causation traced to storm.
Carrier blamed pre-existing moisture. Timeline and expert evidence traced mold to storm-caused water intrusion.Fort Lauderdale kitchen fire: smoke scope expanded to full home.
Carrier paid smoke damage only in fire room. Industrial hygienist documented migration throughout home.+443%Clearwater tree impact: pool cage reclassified under Coverage B.
Carrier applied landscaping sublimit to pool cage damage. Coverage B reclassification recovered full cost.+1300%Jacksonville burglary: proof of ownership unlocks contents scope.
Carrier initially paid unscheduled sublimit. Proper inventory and proof of ownership unlocked full replacement value.+425%Palm Beach sinkhole: grouting-only versus full stabilization scope.
Carrier authorized compaction grouting. Structural engineer demonstrated insufficiency; underpinning was required.+500%Sarasota pipe burst: full-kitchen scope, hidden damage mapped.
Burst pipe flooded kitchen and adjacent spaces. Initial carrier scope missed cabinetry, flooring underlay, and mold.+360%Orlando water damage: supplemental claim for hidden damage.
Initial scope missed behind-wall water damage. Supplemental claim under FS 627.70132 recovered full scope.+383%Tampa Hurricane Milton: partial denial to full roof replacement.
Carrier authorized patch. Matching analysis under FS 626.9744 resulted in full-roof replacement.+394%Miami condo kitchen fire: contents itemized with smoke scope.
Carrier lowballed contents claim with a flat offer. Detailed inventory and proper RCV claim recovered 5.2x.+422%Fort Myers Hurricane Ian: full scope rebuilt with engineering.
Carrier's CAT team adjuster wrote a 15-minute scope. A licensed public adjuster rebuilt the scope line-by-line with engineering support. Final settlement was 6.4x the initial offer.+538%
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