Case Studies Archives

Legends of St. John Condos

Augustine, Florida
Hail Damage

Prior to our involvement, the insurance carrier was only willing to cover the bare minimum for patchwork repairs on the roof. We conducted a thorough inspection and presented a compelling case to the insurer, complete with evidence to support a more comprehensive settlement. This included code upgrades, material matching, overhead & profit, and residential supervision costs. Initially, the insurance carrier offered a more reasonable estimate of $1,820,000, but later withdrew it, attempting to reduce the settlement. Undeterred, we fortified our claim with exhaustive documentation and expert legal counsel, ultimately securing a final settlement of $2,275,000.

Insurance Carrier Offer: Minimum Patch/ Repairs

Premier Claims Settlement: $2,275,000

Confidential Condo Association

Cape Coral, Florida
Hurricane Ian
September 2022

In the wake of Hurricane Ian, this five-building complex suffered from both roof damage and first-floor flooding. Despite the insurance carrier’s attempts to stall the process by repeatedly reassigning the claim, our team remained steadfast. We put together irrefutable estimates that clearly demonstrated that the policy limits had been met. Taking into account the widespread damage, we guided residents through their individual claims and managed the inspections and repairs for each unit. In the end, we achieved full coverage up to the policy limits for every building in the association and extended free consultation services to residents to aid in their recovery.

Insurance Carrier Offer: N/A

Premier Claims Settlement: $1,077,000

Bacon’s Furniture

Port Charlotte, Florida
Hurricane Ian
September 2022

Our team stepped in when the policyholder faced challenges securing a fair settlement, largely due to an insurance policy that fell short in covering the asset. Despite the policy’s limitations and the insurance carrier’s attempts to underpay significant parts of the claim, we remained undeterred- even when the carrier employed delay tactics by bringing in three new adjusters and two engineers to reassess the damage from Hurricane Ian. Our expertise and persistence led to a 520% increase in the settlement, totaling $13,955,000. Beyond that, we offered invaluable advice to the policyholder on securing a more robust insurance policy for future protection.

Insurance Carrier Offer: $2,251,000

Premier Claims Settlement: $13,955,000

RL Wilson Family Farms

Montgomery, Indiana
Hail Damage
May 2022

Before a claim was even filed, our team stepped in, effectively neutralizing any attempts by the insurance carrier to delay or underpay the claim. We carried out inspections of the property, both day and night, and assembled a comprehensive damage estimate for every asset involved. To speed up the process, we transparently shared all our findings with the insurance carrier, who initially estimated the claim at $1,892,000 based on our information. Not satisfied, we swiftly countered with precise costs for materials and labor, successfully elevating the settlement to an impressive $2,058,000—all in under 4 months.

Insurance Carrier Offer: $1,892,000

Premier Claims Settlement: $2,058,000 in 4 months

Confidential Chicken Farm

Ulysses, Nebraska
Hail Damage
June 2022

Our team carried out day and night inspections to accurately assess the full scope of damage to the various buildings on the property. During negotiations, we caught the insurance carrier using flawed measurements based on satellite imagery that failed to account for elevation changes. We didn’t stop there; we also presented a comprehensive plan outlining the necessary materials and procedures for proper insulation and repairs, backed by current market rates for materials and labor. The result? A successful settlement that covered full replacements for all metal roofs, and materials, and even included overhead and profit.

Insurance Carrier Offer: $204,000

Premier Claims Settlement: $1,693,000

Sanoh America Distribution Facility

Archbold, Ohio
Hail & Wind Damage | May 2022

The expansive 223,000 square-foot distribution facility experienced significant hail and wind damage, resulting in a small portion collapse. The insurance carrier enlisted an engineer to refute the more extensive hail damage, dismissing it as merely cosmetic and initially only approved repairs for the collapsed section. At this time, our team was brought on and we began to gather evidence from comprehensive on-site investigations, demonstrating the long-term repercussions of neglecting the full extent of the damage. Within six months, these efforts resulted in a reversal of decision to a full roof replacement. In addition, we were able to show historical storm activity that had impacted the building within the policy terms for more accurate dates of loss, as well as reimbursement for business interruption and loss of contents. Thanks to our diligent efforts, we successfully secured an additional $3.9 million in claim settlements.

Insurance Carrier Offer: $1,985,000

Premier Claims Settlement: $5,893,000

Dino’s Storage

Des Moines, Iowa
Hail Damage
March 2022

After the insurance company denied the initial claim, they were reluctant to conduct an on-site joint inspection, basing their decision on an incomplete assessment by an independent adjuster. Recognizing the oversight, we presented compelling evidence and our own detailed estimate to the insurance carrier. This led to an on-site joint inspection and a complete turnaround. We successfully negotiated full replacements for roofs and doors across all structures, and even secured private security to safeguard patrons’ belongings during the construction phase.

Insurance Carrier Offer: Complete Denial

Premier Claims Settlement: $1,247,000

Edwards Electrical & Mechanical

Indianapolis, Indiana
Hail & Water Damage
January 2022

Facing an insurance carrier that was only willing to approve minor spot repairs and attribute the issues to old damage, our team swung into action. Leveraging detailed evidence from our on-site investigations, along with storm data and policy coverage specifics, we successfully negotiated a complete roof replacement. This victory not only addressed the immediate concerns but also furnished the policyholder with a brand-new, warrantied roof.

Insurance Carrier Offer: $8,990

Premier Claims Settlement: $2,039,000

Garner Industries

Lincoln, Nebraska
Hail & Wind Damage
December 2021

Our team stepped in after the initial claim had already been filed with the insurance carrier. Following a deep-dive investigation and thorough research, we discovered previously overlooked damage to another section of the roof. We also pinpointed a more accurate date of loss that aligned better with favorable deductible terms. After fine-tuning the claim and negotiating up-to-date costs for materials and labor, we achieved a 570% increase in the claim’s value—all within just 5 months.

Insurance Carrier Offer: $162,000

Premier Claims Settlement: $1,085,000

Insurance Carrier Offers Spot Repairs for Condominium: Premier Claims Settled at $2.3M

Legends of St. John Condos

Condo Association Restored After Hurricane Ian

Confidential Condo Association

Premier Claims Secures $13.95M After Hurricane Ian

Bacon’s Furniture

Large Loss Agriculture Hail Claim Settled in 4 Months

RL Wilson Family Farms

Day & Night Inspections Provide Full Scope of Damage for 730% Settlement Increase

Confidential Chicken Farm

Thorough Investigation Turns $1.9M into a $5.9M Claim Settlement

Sanoh America Distribution Facility

Self-Storage Claim Initially Denied: Premier Claims $1.25M Settlement for Full Replacement

Dino’s Storage

Negotiations Lead to a Full Roof Replacement and Warrantied

Edwards Electrical & Mechanical

Correcting Date of Loss Leads to a 570% Claim Increase in 5 Months

Garner Industries