I have handled many different kinds of insurance claims for policyholders. These are some examples of the situations I encountered and the outcomes I achieved. I did not violate any privacy or confidentiality agreements when writing these descriptions. My goal is to inform policyholders of what they can expect from insurance claims and that an alternative exists other than walking away from a denied or underpaid claim. These examples are not meant to imply that similar results are guaranteed.
The owner of a condominium building suffered damage to an expensive copper and slate tile roof and filed an insurance claim. The adjuster from the insurance company inspected the damage and determined that there was no damage associated with the storm. He added extra weight to his denial of the claim by paying an engineer to inspect the roof and agree with him, and the engineer he paid dutifully complied with his request. The owner’s roofing contractor recommended that he contact me to see if I could assist him. After a close review of the engineer’s written report, I found that the engineer did NOT say what the insurance company interpreted and that the report supported the owner’s claim. In a matter of a few weeks, we negotiated a payment of over $21,000.00 to repair his roof.
The owner of a 125-year-old building in a historical district suffered hail damage to a unique roofing system made from materials that have not been manufactured since 1945. Using an engineering report that they had acquired from a young man who had graduated engineering school eighteen months prior to this inspection, his insurance company offered the owner a small amount of money to make insufficient repairs that were not consistent with the design of the roof or with the ordinances enforced within the historic district. After several months of fruitless debate with his insurance company and with the recommendation of his roofing contractor, he contacted me. I negotiated an agreement for a settlement of over $236,000.00.
The owner of a commercial building that had suffered severe damage from wind and hail filed a claim with his out-of-state insurance company in Florida. Although the roof was damaged to where it was leaking water into the businesses below, his insurance company hired an engineer to agree with their decision to deny the claim, refused to pay him anything for his damage, and did not answer his numerous inquiries for over six months. At the end of his rope, he contacted me for assistance. After three months of negotiations and using nothing more than the language in the engineering report that the insurance company had used to deny the claim, I negotiated an agreement for them to pay my client over $682,000.00 for the replacement of the destroyed roof for which they had previously refused to pay anything.
A church in a major metropolitan area in Missouri sustained substantial damage from hail, wind, and a lightning strike in the spring of 2018. While the insurance company was going through the motions of adjusting the claim and promising payment, by the summer of 2019 the church had yet to receive any of the money that had been promised from the insurance company to begin the repair and, additionally, the most substantial and expensive part of their loss had not been addressed at all. Their contractor suggested that the church leaders contact me for help. Within a matter of weeks, I negotiated the release of over $70,000.00 of past due funds owed to the policyholder and initiated recovery for an additional $180,000.00 for damages that were overlooked and not included in the original settlement.
A family in a large city in western Missouri suffered a devastating fire that destroyed most of their home. Their insurance company paid them slightly over $94,000 to rebuild their home. They could not find a contractor willing to do all the work for that amount of money, so they contacted me for help. I negotiated with their insurer on their behalf, and we agreed to a total settlement of $171,201.00 so that the home could be restored to its original condition.