Sarasota lightning: $6k to $45k home systems recovery.
Lightning strike damaged multiple home systems. Itemized replacement tripled offer.
Lightning strike damaged multiple home systems. Itemized replacement tripled offer.
Initial claim
What went wrong
Flat offer for electronics; missed HVAC control board, pool equipment, garage door opener.
The intervention
What we did
Full itemization of affected systems with electrician inspections.
Free claim review
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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?
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Takeaways
Lessons
Lightning damage extends beyond direct strike area. Comprehensive system check is essential.
No obligation. No fee unless recovery.
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More examples
Related case studies
DeLand Hurricane Ian: $12k to $68k contents recovery.
Hurricane Ian flooding contents loss. Carrier offered flat settlement. Itemized inventory tripled recovery.
Clearwater kitchen fire: $35k offer to $142k total recovery.
Kitchen fire with extensive smoke damage. Carrier limited scope to fire room; smoke scope expanded claim materially.
Fort Myers Hurricane Milton: full roof replacement via matching.
Hurricane Milton roof damage. Carrier authorized partial repair. FS 626.9744 matching drove full replacement.
Tampa sinkhole: $40k grouting to $220k underpinning.
Sinkhole activity; carrier authorized inadequate grouting. Structural engineer showed underpinning required.
Orlando water + mold: $8k offer to $45k with remediation.
Water leak with mold development. Carrier offered water damage only; mold remediation tripled recovery.
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.
Know the law
Relevant statutes
FS 626.854
Public adjuster representation.
FS 627.70131
Carrier duties.
FS 627.70132
Notice deadlines.
FS 627.7142
Homeowner Bill of Rights.
FS 626.9744
Matching statute.
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See also
More Florida case studies
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Panama City Beach condo: $30k unit owner recovery on $15k offer.
Another documented Florida claim outcome.
Lakeland AC condensation claim: covered as sudden discharge.
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Free claim review
Your policy says more than you think. Find out what you are actually owed.
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- ✓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.
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