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.
Kitchen fire with substantial contents damage. Initial flat contents offer tripled after itemized submission.
The initial claim
What went wrong
Flat contents offer with no itemization.
The intervention
What we did
Full itemized inventory using Xactcontents and restoration specialist scope.
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What kind of damage?
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Key takeaways
Lessons for policyholders
Contents documentation separates $20k claims from $80k claims on identical damage.
No obligation. No fee unless recovery.
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More examples
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Jacksonville pipe burst: $20,000 offer to $95,000 with mold.
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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 rea
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.
Free claim review
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A licensed Florida public adjuster will review your policy and loss documentation for free.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
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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See also
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- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
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