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.
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
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.
No obligation. No fee unless recovery.
Licensed Florida public adjuster. No fee unless we recover more.
More examples
Related case studies
Carrier lowballed contents claim with a flat offer. Detailed inventory and proper RCV claim recovered 5.2x.
Carrier authorized patch. Matching analysis under FS 626.9744 resulted in full-roof replacement.
Initial scope missed behind-wall water damage. Supplemental claim under FS 627.70132 recovered full scope.
Burst pipe flooded kitchen and adjacent spaces. Initial carrier scope missed cabinetry, flooring underlay, and mold.
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.
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