Jacksonville burglary: $8,000 offer to $42,000 with proper documentation.
Carrier initially paid unscheduled sublimit. Proper inventory and proof of ownership unlocked full replacement value.
Carrier initially paid unscheduled sublimit. Proper inventory and proof of ownership unlocked full replacement value.
The initial claim
What went wrong
Carrier applied $1,500 unscheduled jewelry sublimit and flat contents offer. Did not credit proper proof of ownership.
The intervention
What we did
Gathered receipts, credit card statements, warranty records, and social media photos showing items in home pre-theft.
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Key takeaways
Lessons for policyholders
Proof of ownership is flexible. Lack of receipts does not defeat a claim.
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More examples
Related case studies
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. Fin
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.
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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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- ✓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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