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.
Kitchen fire with extensive smoke damage. Carrier limited scope to fire room; smoke scope expanded claim materially.
Initial claim
What went wrong
Smoke damage scope limited to fire room; HVAC contamination and contents throughout home omitted.
The intervention
What we did
Industrial hygienist report on whole-home contamination; HVAC inspection; contents itemization.
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Takeaways
Lessons
Smoke claims require industrial hygienist support to expand scope beyond fire room.
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More examples
Related case studies
DeLand Hurricane Ian: $12k to $68k contents recovery.
Hurricane Ian flooding contents loss. Carrier offered flat settlement. Itemized inventory tripled recovery.
Fort Myers Hurricane Milton: full roof replacement via matching.
Hurricane Milton roof damage. Carrier authorized partial repair. FS 626.9744 matching drove full replacement.
Tampa sinkhole: $40k grouting to $220k underpinning.
Sinkhole activity; carrier authorized inadequate grouting. Structural engineer showed underpinning required.
Orlando water + mold: $8k offer to $45k with remediation.
Water leak with mold development. Carrier offered water damage only; mold remediation tripled recovery.
Sarasota lightning: $6k to $45k home systems recovery.
Lightning strike damaged multiple home systems. Itemized replacement tripled offer.
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 adjuster representation.
FS 627.70131
Carrier duties.
FS 627.70132
Notice deadlines.
FS 627.7142
Homeowner Bill of Rights.
FS 626.9744
Matching statute.
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More Florida case studies
Naples Hurricane Milton: mold denied as pre-existing, traced to storm.
Another documented Florida claim outcome.
Pensacola tree impact on detached garage: Coverage B maxed.
Another documented Florida claim outcome.
DeLand Hurricane Ian: $12k to $68k contents recovery.
Another documented Florida claim outcome.
Gulfport septic failure: $4k to $28k recovery.
Another documented Florida claim outcome.
Free claim review
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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?
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