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.
High-end property water damage. Carrier scope reflected commodity pricing; actual restoration required high-end materials matching.
The initial claim
What went wrong
Carrier applied Xactimate base pricing to luxury-grade finishes.
The intervention
What we did
Actual material costs documented (quartzite, custom cabinetry, high-end fixtures), specialty contractor scope.
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Key takeaways
Lessons for policyholders
High-end home claims require custom scope. Xactimate base pricing undercounts real restoration costs.
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Know the law
Relevant statutes
FS 626.854 Public Adjusters
Your right to professional representation.
FS 627.70131 Carrier Duties
What carriers must do and when.
FS 627.70132 Notice Deadlines
When you must file.
FS 627.7142 Bill of Rights
What the carrier owes you.
FS 626.9744 Matching
Reasonable matching requirement.
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