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.
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.
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.
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- ✓No fee unless we recover more than you were offered
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Key takeaways
Lessons for policyholders
Itemized contents claims routinely recover 2-4x flat offers. Smoke migrates and must be documented.
No obligation. No fee unless recovery.
Licensed Florida public adjuster. No fee unless we recover more.
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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
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See also
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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.
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