Miami condo kitchen fire: contents itemized with smoke scope.
Example figures drawn from common Florida claim patterns. Not a specific claim or client, and not actual settlement amounts. Disclosures.
Carrier lowballed contents claim with a flat offer. Detailed inventory and proper RCV claim recovered 5.2x.
Carrier lowballed contents claim with a flat offer. Detailed inventory and proper RCV claim recovered 5.2x.
The initial claim
What went wrong
Carrier offered a flat $18,000 for contents without itemized inventory. Did not account for smoke contamination of items in non-fire rooms.
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The intervention
What we did
Full itemized inventory of 340 items with brand, model, purchase history. RCV claim submission. Industrial hygienist report for smoke contamination across all rooms.
Key takeaways
Lessons for policyholders
Itemized contents claims routinely recover 2-4x flat offers. Smoke migrates and must be documented.
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Pick the closest match. We will ask for details next.
No obligation. No fee unless recovery.
Licensed Florida public adjuster. No fee unless we recover more.
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Another Florida claim example.
Another Florida claim example.
Another Florida claim example.
Another Florida claim example.
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