Full Coverage Secured in Under 4 Months
Challenge
A hailstorm caused significant damage to multiple residences, barns, and chicken houses on the property. Even before a claim was filed, the risk of delay or underpayment from the insurance carrier was a concern. The carrier’s policy imposed a strict 180-day completion requirement for recoverable depreciation, which, when paired with slow claim payment, created a barrier to timely repairs and full reimbursement.
Our Approach
Our team acted immediately to take control of the process and prevent unnecessary delays.
Proactive Inspections
Conducted day and night inspections to document the full extent of damage to every structure.
Comprehensive Damage Estimate
Prepared a complete and detailed scope for all affected assets.
Transparent Coordination
Shared findings with the carrier to expedite the process, resulting in their initial estimate of $1,892,000.
Strategic Negotiation
Countered with accurate and current market costs for labor and materials, increasing the settlement amount.
Policy Advocacy
When the carrier denied supplemental payments and recoverable depreciation due to the 180-day clause, we presented documented evidence showing that payment delays were caused by the carrier, not the policyholder.
Legal Coordination
Worked directly with the carrier’s counsel to secure the release of the undisputed recoverable depreciation and negotiated a final supplement settlement.
The Impact
By taking a proactive role before the claim was even filed, we eliminated opportunities for delay, secured the funding necessary for full restoration, and successfully navigated a restrictive policy condition that could have jeopardized recovery. This approach ensured the policyholder received the coverage they were entitled to—on time and in full.
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