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.
Burst pipe flooded kitchen and adjacent spaces. Initial carrier scope missed cabinetry, flooring underlay, and mold.
The initial claim
What went wrong
Adjuster scope included visible damage but missed subfloor saturation, cabinet substrate damage, and mold growing in wall cavities.
The intervention
What we did
Destructive testing to confirm subfloor damage. Moisture mapping. Mold remediation scope with industrial hygienist support.
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Key takeaways
Lessons for policyholders
Water damage extends beyond what's visible. Destructive testing and moisture mapping are investment, not expense.
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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
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.
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.
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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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