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.
Initial scope missed behind-wall water damage. Supplemental claim under FS 627.70132 recovered full scope.
The initial claim
What went wrong
Initial adjuster scope missed water migration into wall cavities and subfloor. Damage surfaced after drywall removal.
The intervention
What we did
Moisture meter documentation. Supplemental claim with contractor invoice and photographs. Timely filing within supplemental window.
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Key takeaways
Lessons for policyholders
Supplemental claims for discovered damage are legitimate and timely. Initial scope is rarely final.
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More examples
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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.
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.
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Miami condo water: betterments plus master policy gap.
Another documented Florida claim outcome.
Fort Myers homeowner: $45,000 offer to $287,000 settlement after Hurricane Ian.
Another documented Florida claim outcome.
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- ✓Licensed Florida public adjusters
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- ✓No fee unless we recover more than you were offered
What kind of damage?
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