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.
Free claim review
Get a free claim review from a licensed Florida public adjuster.
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 later.
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.
Claim looking similar? Free review.
Licensed Florida public adjuster. No fee unless we recover more.
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
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.
Free claim review
Still building your claim? We can help right now.
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 later.
Go deeper
Related resources
First 48 Hours
Emergency playbooks for every property damage type.
Claim Process
Every stage from first notice to settlement.
Florida Law
Statutes that protect policyholders.
Denied Claims
Every common denial reason explained.
Carriers
Every Florida insurance carrier profiled.
Locations
All 67 Florida counties.
Glossary
Every claim term defined.
Claim Types
Hurricane, water, fire, roof, more.
Storms
Every major Florida storm profiled.
Calculators
Decision and settlement tools.
Case Studies
Real Florida recoveries.
Help Center
Common problems answered.
See also
More Florida case studies
Daytona Hurricane Ian (spawned tornado): scope doubled after engineer report.
Another documented Florida claim outcome.
Winter Haven mobile home Ian: full replacement under FS 626.9744.
Another documented Florida claim outcome.
Jacksonville fire: art collection properly valued.
Another documented Florida claim outcome.
Wellington equestrian property: barn and contents.
Another documented Florida claim outcome.
Free claim review
Your policy says more than you think. Find out what you are actually owed.
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 later.
Florida claim updates
One email a month. No fluff.
Real Florida claim case studies, statute updates, and the carrier behavior we see most. Unsubscribe anytime.
Browse more