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.
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.
The initial claim
What went wrong
Catastrophe team adjuster produced a minimal scope that missed latent roof decking damage, water intrusion through wind-created openings, and mold remediation scope. The carrier anchored on the initial offer for 60 days.
The intervention
What we did
Commissioned independent structural engineer, detailed scope of loss with full-roof replacement justification under FS 626.9744 matching, and detailed mold scope under the policy's mold endorsement. Invoked appraisal when carrier refused to move beyond $78,000.
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Key takeaways
Lessons for policyholders
CAT team scope is an opening, not a close. Engineering reports on roof matching and latent damage are non-optional. Appraisal works when negotiation fails.
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More examples
Related case studies
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.
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.
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.
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.
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- ✓Licensed Florida public adjusters
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- ✓No fee unless we recover more than you were offered
What kind of damage?
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