Meticulous Documentation Leads to a 683% Increase in the Settlement
Elite Transportation Warehouse
Emporia, Kansas
Hail & Water Damage
November 2021
Despite presenting evidence from forensic damage experts that proved water intrusion had caused phenolic insulation to become acidic and cause damage to the steel decking, the insurance carrier remained steadfast with their $139,000 estimate. They also denied coverage for business losses, even though the policy clearly included it. Undeterred, we connected the policyholder with a legal team, sharing all our findings to build a solid case. The outcome? A victory that resulted in a 683% increase in the settlement offer from the insurance carrier.
Despite Delay Tactics $1.4M Settlement Secured in 3 Months
Luxtor Self-Storage
Prescott, Arizona
Hail Damage
February 2022
Before even filing a claim for hail damage to a high-end self-storage facility, our team was already on the case. Within a week of initiating the claim, we coordinated a joint inspection with the insurance carrier. Despite receiving a ‘reservation of rights’ letter from the carrier—a common delay tactic—we pressed on. We assessed the damage to all four buildings and submitted a comprehensive estimate. Although the insurance carrier countered with lower estimates, we stood our ground. The result? A robust final settlement of $1,428,000 in just 3 months, which even included the cost of private security during the restoration process.
Insurance Carrier Offer: Stated No Coverage Available
Insurance Carrier Collaboration Expedited Claim Process
Million Oaks Condominium Association
Kenner, Louisiana
Hurricane Ida
August 2021
In the devastating aftermath of Hurricane Ida, the insurance carrier relied heavily on our expertise right from the start of the claim process. This collaboration showcased the mutual respect between the insurance carrier and our public adjusting team, all in the interest of expediting the claim for the policyholder. Recognizing the extensive damage, we assisted residents with their individual claims and coordinated both inspections and repairs for their units. Ultimately, we secured coverage up to the policy limits for the Condo Association and offered complimentary consultation services to residents, helping them recover their losses.
Increase Settlement by 208% with Code Upgrades with O&P Included
Galisteo Center Condominium Association
Santa Fe, New Mexico
Hail Damage
August 2021
Right from the start, our team was involved. After an initial joint inspection, the insurance carrier proposed a settlement of $629,000. We knew that wasn’t enough. By highlighting the need for code upgrades and the replacement of outdated materials, we successfully increased the claim’s value. Although the insurance carrier initially resisted covering overhead and profit, our team’s tenacity paid off. The end result? A remarkable final settlement of $1,935,000.
Spot Repairs Initially Approved for Historic Building: Restored with $1.3M Settlement
Rivermont Collegiate
Bettendorf, Iowa
Hail & Water Damage
May 2021
Nearly a year after a devastating hail storm, the building began to show alarming signs of water damage through the roof. Although still within the timeframe to file a claim, the insurance carrier was resistant, approving only minimal spot repairs that fell below the deductible amount. To counter this, we enlisted experts from the tile company to provide irrefutable forensic evidence, confirming that the damage occurred within the claim window. Moreover, our team successfully negotiated for a complete roof replacement, ensuring the historic building was restored while preserving its invaluable significance.
Insurance Carrier Denial Turned into a $1.16M Final Settlement
Confidential Religious Center
Orlando, Florida
Hail Damage
April 2021
From the start, our team uncovered undeniable evidence of hail damage to the 1,020-square metal roof. In an attempt to stall the process, the insurance carrier issued a ‘reservation of rights’ letter, suggesting the claim might not be sufficiently covered by the policy. They also sent an engineer and their own adjuster for further evaluation. To counter this delay tactic, we conducted a thorough legal review of the policy to confirm coverage and compiled a comprehensive estimate based on our investigations. Despite an ACV policy with endorsements, we successfully negotiated a final settlement of $1,162,000 for a complete roof replacement. After the settlement, and considering the property’s age, we advised the policyholder on upgrading to an RCV policy for more comprehensive future coverage.
Insurance Carrier Offer: Stated No Coverage Available
From Only Minor Spot Repairs Approved to $912k Settlement
Deshler Public Schools
Deshler, Nebraska
Hail Damage
April 2021
At first, the insurance carrier approved only minor spot repairs for the flat part of the roof, amounting to a mere $993. The policyholder felt this was insufficient and reached out to us for assistance. Upon investigating, we discovered hail damage on the flat portion of the roof from an earlier date, as well as a separate incident that accounted for the damage to the metal portion of the roof. Armer with this new evidence, we filed two distinct claims. The result? A staggering final settlement of $912,000 for the policyholder.
Overturned Insurance Carrier’s Decision in Less Than 4 Months with 7,664% Increase in Settlement
DC Warehouse
Marshalltown, Iowa
Hail, Wind & Water Damage
August 2020
In August 2020, a derecho—a fast-moving cluster of severe thunderstorms capable of tornadic winds, heavy rains, and flash floods—devastated the Midwest. Despite the extensive damage to the building, the insurance carrier was offering a significantly underpaid settlement. That’s when our team stepped in to champion the policyholder’s cause. In less than 4 months, we successfully overturned the insurance carrier’s initial decision, securing a 7,664% increase in settlement that fully restored the building. Furthermore, we advised the policyholder on how to enhance their insurance plan to better safeguard against future incidents.
Underpaid Claim for Condo Association: Premier Claims Doubles Settlement
Winding Waters Condo Association
Oswego, Illinois
Hail & Wind Damage
June 2019
Initially, the insurance carrier did not fully recognize the value of the claim, leaving crucial damage underfunded. Our expert team stepped in, meticulously aligning the claim elements with code requirements and policy coverage. Through comprehensive documentation, we showcased the true costs of materials and labor, successfully boosting the claim’s value to its rightful amount.
