Gainesville lightning strike: $15k offer to $52k recovery.
Lightning-caused electronics damage. Initial scope was flat offer; itemized restoration/replacement expanded scope dramatically.
Lightning-caused electronics damage. Initial scope was flat offer; itemized restoration/replacement expanded scope dramatically.
The initial claim
What went wrong
Flat offer for electronics ignored specific high-value components (media server, home theater, whole-house surge protector).
The intervention
What we did
Detailed inventory with serial numbers, purchase receipts, professional evaluation of affected components.
Free claim review
We review your policy and estimate at no cost. If we take your case, our fee only comes from the increased recovery.
- ✓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 next.
Key takeaways
Lessons for policyholders
Electronics claims turn on inventory quality. Serial numbers and receipts are decisive.
No obligation. No fee unless recovery.
Licensed Florida public adjuster. No fee unless we recover more.
More examples
Related case studies
Category 5 Michael devastated Mexico Beach. Carrier offered a fraction of actual damage. Full scope + ordinance or law pushed recovery past
Pipe burst during a cold snap. Initial scope missed behind-wall contamination. Mold remediation expanded the recovery significantly.
Irma devastated the Keys. Insured had moved contents to second floor before storm; surge reached second floor. Carrier disputed contents rea
Condo unit interior damage from storm. Master policy denied, unit owner had to fight for betterments coverage.
Free claim review
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 next.
Know the law
Relevant statutes
Your right to professional representation.
What carriers must do and when.
When you must file.
What the carrier owes you.
Reasonable matching requirement.
Go deeper
Related resources
Emergency playbooks for every property damage type.
Every stage from first notice to settlement.
Statutes that protect policyholders.
Every common denial reason explained.
Every Florida insurance carrier profiled.
All 67 Florida counties.
Every claim term defined.
Hurricane, water, fire, roof, more.
Every major Florida storm profiled.
Decision and settlement tools.
Real Florida recoveries.
Common problems answered.
See also
More Florida case studies
Another documented Florida claim outcome.
Another documented Florida claim outcome.
Another documented Florida claim outcome.
Another documented Florida claim outcome.
Free claim review
Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓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 next.
Florida claim updates
Real Florida claim case studies, statute updates, and the carrier behavior we see most. Unsubscribe anytime.
Browse more