What we've recovered for property owners
These are real claim outcomes from Nashville and South Florida. Numbers represent actual settlements vs. the insurer's initial position. All handled on contingency — no upfront cost.
Hurricane wind damage — roof, structure, and water intrusion
The insurer's adjuster documented only cosmetic roof damage and issued an offer of $12,000. Our full inspection revealed structural truss damage, compromised roof decking, water intrusion throughout the attic insulation, and interior damage to three rooms that the insurer's report completely omitted. After comprehensive documentation and negotiation, the final settlement was $127,000 — reflecting full replacement cost including all missed items.
Flooding caused foundation moisture, mold, and subfloor damage
The homeowner filed a water damage claim independently and received an $8,500 offer. They called us before accepting. Our inspection identified foundation moisture intrusion, active mold propagation behind interior walls, compromised subfloor framing, and damaged HVAC components — none of which appeared in the insurer's report. The supplemental claim resulted in a $94,000 settlement.
Kitchen fire with smoke distributed through HVAC throughout entire home
The kitchen fire was limited in scope, but smoke was distributed through the entire HVAC system to every room in the house. The insurer's offer addressed only the visible fire damage. We documented contaminated insulation in the attic, ductwork replacement requirements, complete odor remediation for the entire structure, and contents replacement — producing a final settlement of $165,000.
Insurer denied full roof replacement after major hail event
Following a severe hailstorm, the insurer concluded the roof damage was purely cosmetic and offered $4,200 for spot repairs. We documented granule loss patterns, shingle bruising, compromised flashing, and evidence that multiple areas met the threshold for full replacement under the policy terms. The final settlement of $41,000 covered complete roof replacement.
Commercial warehouse damage from Hurricane Irma winds
A commercial property owner received a $35,000 offer on a warehouse that had significant roof panel damage, structural compromise to the loading dock area, damaged inventory, and business interruption losses. Our commercial claim specialist documented all physical damage plus business income loss components, resulting in a $310,000 final settlement.
Commercial property — widespread structural damage and business interruption overlooked
The insurer's initial offer of $80,000 covered only surface-level repairs to a commercial property hit by severe storms. Our lead negotiator conducted a full structural assessment and identified widespread damage to load-bearing elements, code compliance upgrade requirements triggered by the damage, and significant business interruption losses that the insurer had entirely overlooked. After extensive documentation and negotiation, the final settlement reached $900,000.
Multi-unit property with undervalued wind and roof damage across all units
A duplex owner received a $22,000 offer after high-wind damage. Each unit had independent roof, window, and interior damage that the insurer's single-adjuster visit failed to fully capture. We documented damage by unit and negotiated a final settlement of $198,000 covering full repair to both units.
All results represent actual claim outcomes. Individual results vary by claim complexity, damage extent, and insurer.
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