Examples of outcomes we’ve pursued for policyholders. Every claim is different; past results do not guarantee future results.
🌪️
$145,000
Hurricane Ian — Roof & Interior Damage
Hialeah, Miami-Dade County · ~5 months
Initial offer: $32,000
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Final recovery: $145,000
The carrier scoped only surface-level shingle repairs and ignored structural rafter damage and wind-driven water intrusion through three rooms. We commissioned an independent engineering report, documented 14 interior damage areas, and pushed back on the insurer's depreciation calculations — resulting in a settlement that covered a full roof replacement, drywall, flooring, and contents.
💧
$85,000
Cast Iron Pipe Failure — Slab Leak & Mold
Pembroke Pines, Broward County · ~7 months
Initial offer: Denied
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Final recovery: $85,000
The insurer denied the claim citing "gradual deterioration." We retained a plumbing expert to establish sudden-onset causation, documented 900 sq ft of affected flooring, and had mold remediation scoped by a certified industrial hygienist. After filing for appraisal, the umpire awarded full tear-out, drying, mold remediation, flooring, cabinetry, and a full kitchen rebuild.
🔥
$62,000
Electrical Fire — Kitchen & Smoke Spread
Coral Springs, Broward County · ~4 months
Initial offer: $18,000
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Final recovery: $62,000
An electrical panel fire spread smoke through the HVAC system into four rooms. The carrier's adjuster scoped only visible char in the kitchen. We used air quality testing to document smoke contamination throughout the second floor, invoked Florida building code upgrade requirements for the electrical panel replacement, and itemized $22,000 in affected contents — more than tripling the settlement.
🏠
$38,500
Wind-Driven Rain — Roof & Interior Water Damage
Davie, Broward County · ~3 months
Initial offer: $9,500
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Final recovery: $38,500
The insurer's estimate covered cosmetic patching of four shingles and ignored saturated decking beneath. We performed thermal imaging and moisture mapping across the attic, documented wind-driven water intrusion into two bedrooms, and supplemented with a full decking replacement scope and interior dry-out. The final settlement covered a complete roof section replacement and full interior restoration.