Ocala sinkhole: $25k grouting offer to $165k underpinning.
Sinkhole activity; carrier wanted cheapest remediation. Engineer showed stabilization-only would fail.
Sinkhole activity; carrier wanted cheapest remediation. Engineer showed stabilization-only would fail.
The initial claim
What went wrong
Carrier pushed cost-minimizing repair plan that engineer deemed insufficient.
The intervention
What we did
Independent geotechnical and structural engineer coordinated on full underpinning scope.
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Key takeaways
Lessons for policyholders
Sinkhole repair adequacy is defensible via qualified engineering. Insist on proper standards.
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More examples
Related case studies
Panhandle Hurricane Michael: $60,000 offer to $340,000 recovery.
Category 5 Michael devastated Mexico Beach. Carrier offered a fraction of actual damage. Full scope + ordinance or law pushed recovery past
Jacksonville pipe burst: $20,000 offer to $95,000 with mold.
Pipe burst during a cold snap. Initial scope missed behind-wall contamination. Mold remediation expanded the recovery significantly.
Key West Hurricane Irma: contents total loss plus structure.
Irma devastated the Keys. Insured had moved contents to second floor before storm; surge reached second floor. Carrier disputed contents rea
Panama City Beach condo: $30k unit owner recovery on $15k offer.
Condo unit interior damage from storm. Master policy denied, unit owner had to fight for betterments coverage.
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Know the law
Relevant statutes
FS 626.854 Public Adjusters
Your right to professional representation.
FS 627.70131 Carrier Duties
What carriers must do and when.
FS 627.70132 Notice Deadlines
When you must file.
FS 627.7142 Bill of Rights
What the carrier owes you.
FS 626.9744 Matching
Reasonable matching requirement.
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See also
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Another documented Florida claim outcome.
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Another documented Florida claim outcome.
Clearwater tree impact: pool cage denied as landscaping, reclassified.
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Gainesville lightning strike: $15k offer to $52k recovery.
Another documented Florida claim outcome.
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