Case Studies
The settlement you were offered is rarely the settlement you deserve.
Destin beachfront condo: proper wind vs flood split.
Beachfront condo storm surge + wind. Proper wind allocation doubled homeowners recovery.
+332%Wellington equestrian property: barn and contents.
Barn damage during hurricane; equestrian equipment covered with proper documentation.
+353%Winter Park smoke: whole-home remediation.
Kitchen fire with whole-home smoke migration. Thermal fogging and content cleaning expanded claim.
+378%Boca Raton luxury home water: custom finishes scoped.
Luxury home water damage. Custom finishes required specialized scope.
+2233%Vero Beach theft: scheduled jewelry full recovery.
Theft of scheduled jewelry. Scheduled rider enabled full payout despite burglary sublimit.
+600%Gulfport septic failure: $4k to $28k recovery.
Septic failure damaged yard and home. Sewer backup endorsement applied.
+280%North Port Ian: mold discovered weeks after.
Hurricane Ian water damage; mold discovered during late renovation. Supplemental approved.
+381%Panama City Michael: wind + total-loss recovery.
Category 5 Hurricane Michael total loss. Ordinance or law and code upgrades maximized recovery.
+1167%Naples tree on pool cage: $3k to $38k.
Tree fell on pool cage. Coverage B reclassification and full replacement.
+967%Key Largo sewage backup: endorsement saved the claim.
Sewer backup damaged basement. Water backup endorsement enabled recovery.
Hollywood Hurricane Wilma legacy supplemental.
Hurricane Wilma damage rediscovered during renovation. Supplemental claim approved.
+425%Miami condo water: betterments plus master policy gap.
Condo water damage with betterments. Navigated master policy and HO-6 coordination.
+317%St Augustine storm surge: contents total via NFIP.
Storm surge total loss of contents. NFIP claim expanded via proper inventory.
+640%Jacksonville fire: art collection properly valued.
House fire with art collection damage. Scheduled rider defeated flat contents offer.
+650%Sarasota lightning: $6k to $45k home systems recovery.
Lightning strike damaged multiple home systems. Itemized replacement tripled offer.
+463%Orlando water + mold: $8k offer to $45k with remediation.
Water leak with mold development. Carrier offered water damage only; mold remediation tripled recovery.
+450%Tampa sinkhole: $40k grouting to $220k underpinning.
Sinkhole activity; carrier authorized inadequate grouting. Structural engineer showed underpinning required.
+271%Fort Myers Hurricane Milton: full roof replacement via matching.
Hurricane Milton roof damage. Carrier authorized partial repair. FS 626.9744 matching drove full replacement.
+306%Clearwater kitchen fire: $35k offer to $142k total recovery.
Kitchen fire with extensive smoke damage. Carrier limited scope to fire room; smoke scope expanded claim materially.
+467%DeLand Hurricane Ian: $12k to $68k contents recovery.
Hurricane Ian flooding contents loss. Carrier offered flat settlement. Itemized inventory tripled recovery.
+338%Melbourne lightning damage: HVAC full-replacement approved.
Lightning strike damaged HVAC system. Carrier wanted component repair; system age required full replacement.
+105%Boca Raton isolated tornado: garage and pool cage total loss.
Isolated tornado destroyed detached garage and pool enclosure. Coverage B maxed.
+1767%Delray Beach theft: scheduled jewelry defeated $1,500 sublimit.
Theft of jewelry. Policy had scheduled personal property rider; carrier initially applied unscheduled sublimit.
+217%Winter Haven mobile home Ian: full replacement under FS 626.9744.
Ian damaged mobile home significantly. Repair inadequate; full replacement triggered.
Lakeland AC condensation claim: covered as sudden discharge.
HVAC condensate line failed and water damaged ceilings. Carrier initially classified as gradual (excluded).
+214%Miami Beach coastal home: wind-only recovery when flood paid NFIP.
Irma damage with both wind and flood. NFIP paid flood; homeowners fought for wind scope.
+833%Tallahassee sewer backup: endorsement saved the claim.
Sewer backup damaged basement and contents. Claimant had the often-overlooked water backup endorsement.
+68%Pensacola tree impact on detached garage: Coverage B maxed.
Large oak fell on detached garage during storm. Garage total loss; Coverage B sublimit insufficient.
+305%Cape Coral kitchen fire: contents claim grew 4x with proper documentation.
Kitchen fire with substantial contents damage. Initial flat contents offer tripled after itemized submission.
+363%Fort Pierce condo: water from unit above, master policy in conflict.
Water from upstairs unit damaged insured's condo. Master policy and unit HO-6 disputed responsibility.
+560%Ocala sinkhole: $25k grouting offer to $165k underpinning.
Sinkhole activity; carrier wanted cheapest remediation. Engineer showed stabilization-only would fail.
+247%Gainesville lightning strike: $15k offer to $52k recovery.
Lightning-caused electronics damage. Initial scope was flat offer; itemized restoration/replacement expanded scope dramatically.
+138%St Augustine Hurricane Matthew: flood vs wind allocation doubled recovery.
Matthew produced significant coastal surge. NFIP paid flood; homeowners fought over wind portion.
Crestview mobile home Hurricane Sally: denied, then fully paid.
Mobile home policy with tight exclusions. Initial denial based on pre-existing condition; photos from prior listing defeated the denial.
+280%Boca Raton luxury home: $75k scope to $285k recovery.
High-end property water damage. Carrier scope reflected commodity pricing; actual restoration required high-end materials matching.
+181%Daytona Hurricane Ian (spawned tornado): scope doubled after engineer report.
Ian spawned a tornado in Daytona. Initial scope treated as straight-line wind; tornado-force damage justified much higher scope.
+100%Panama City Beach condo: $30k unit owner recovery on $15k offer.
Condo unit interior damage from storm. Master policy denied, unit owner had to fight for betterments coverage.
+188%Key West Hurricane Irma: contents total loss plus structure.
Irma devastated the Keys. Insured had moved contents to second floor before storm; surge reached second floor. Carrier disputed contents reaching that height.
+375%Jacksonville pipe burst: $20,000 offer to $95,000 with mold.
Pipe burst during a cold snap. Initial scope missed behind-wall contamination. Mold remediation expanded the recovery significantly.
+467%Panhandle Hurricane Michael: $60,000 offer to $340,000 recovery.
Category 5 Michael devastated Mexico Beach. Carrier offered a fraction of actual damage. Full scope + ordinance or law pushed recovery past $300k.
Naples Hurricane Milton: mold denied as pre-existing, traced to storm.
Carrier blamed pre-existing moisture. Timeline and expert evidence traced mold to storm-caused water intrusion.
+443%Fort Lauderdale kitchen fire: smoke damage limited to fire room, expanded to full home.
Carrier paid smoke damage only in fire room. Industrial hygienist documented migration throughout home.
+1300%Clearwater tree impact: pool cage denied as landscaping, reclassified.
Carrier applied landscaping sublimit to pool cage damage. Coverage B reclassification recovered full cost.
+425%Jacksonville burglary: $8,000 offer to $42,000 with proper documentation.
Carrier initially paid unscheduled sublimit. Proper inventory and proof of ownership unlocked full replacement value.
+500%Palm Beach sinkhole: $30,000 grouting to $180,000 underpinning.
Carrier authorized compaction grouting. Structural engineer demonstrated insufficiency; underpinning was required.
+360%Sarasota pipe burst: $25,000 offer to $115,000 full-kitchen recovery.
Burst pipe flooded kitchen and adjacent spaces. Initial carrier scope missed cabinetry, flooring underlay, and mold.
+383%Orlando water damage: $12,000 initial to $58,000 supplemental after hidden damage.
Initial scope missed behind-wall water damage. Supplemental claim under FS 627.70132 recovered full scope.
+394%Tampa homeowner: Partial roof denial to full replacement after Hurricane Milton.
Carrier authorized patch. Matching analysis under FS 626.9744 resulted in full-roof replacement.
+422%Miami condo owner: $18,000 contents offer to $94,000 after kitchen fire.
Carrier lowballed contents claim with a flat offer. Detailed inventory and proper RCV claim recovered 5.2x.
+538%Fort Myers homeowner: $45,000 offer to $287,000 settlement after Hurricane Ian.
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.
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