What the insurer offered, and what changed
Sample matters, each with its first offer. An owner replaces them with real ones.
$52,400 paid
Ground-floor flood, first offer $11,000
The adjuster counted drywall and left out cabinets, flooring and the wiring behind the wall. A room-by-room estimate and a contractor's walk-through moved the number.
2025
Denial withdrawn
Roof torn by wind, blamed on flood
The insurer said rising water caused the roof damage. Weather records and an engineer's letter showed which damage came from which.
2024
$23,750 paid
Kitchen fire, smoke and contents
Smoke cleaning and the contents list had been left out of the first payment. Both went in after a written inventory.
2024
Reinspected, then paid
Hail on a metal roof, closed as cosmetic
A second inspection with the homeowner on the roof found dents the first report had not measured.
2023
$37,800 paid
Raised house, flood policy
The first payment covered the ground-level room only. The insurer added the utility area beneath after a measured drawing.
2024
Filing accepted
Filed past the insurer’s date
The insurer said it came late. The extension letter in its own file said otherwise.
2023
These are sample matters, not promises. Every claim turns on its own policy and facts, and past results don't predict the outcome of yours. Dollar figures are what the insurer paid, before fees and costs.
How to read these
Each matter lists what the insurer said at first, what changed and the year. Dollar figures are what the insurer paid, before our fee and case costs.
A claim is only like another when the policy, the damage and the dates match, and they rarely do. We report a result so you can see how a claim moved, not to promise yours will move the same way.
Tell us what yours says
Bring the letter and the policy, and we will say what we see.
We charge no fee unless we recover more than the insurer had offered. The firm advances case costs, such as an engineer's report, and is repaid from a recovery. If there is none, you owe neither the fee nor the costs.