Client Story: Wind Damage to Bronxville, New York Residential Property

Here’s the story of how JF Public Adjusters Assisted a Bronxville, NY client with their wind damage insurance claim.

Picture this: our client had recently invested in a brand new roof for their home in Bronxville, NY. Little did they know that a crucial step was missed during the installation process – no tarp was used to protect the property. As fate would have it, a strong gust of wind followed by rain wreaked havoc on the house, causing extensive damage.

When our client approached their insurance company to file a claim, they were met with disappointment. The initial offer from the insurer was a mere $30,000, which fell far short of the actual damage sustained. Recognizing the injustice, we swiftly rejected the offer and took matters into our own hands.

To ensure our client received a fair settlement, we meticulously prepared an estimate that accurately reflected the true extent of the damage and the associated repair and replacement costs. Armed with this comprehensive evaluation, we engaged in negotiations with the insurance company.

After intense back-and-forth discussions, the insurer reluctantly increased their offer to $97,000. While this represented a significant improvement from their initial offer, we firmly believed that it still fell short of what our client deserved. Recognizing the impasse in negotiations, we decided to escalate the matter to appraisal.

Appraisal is a process where independent appraisers are brought in to determine the value of the loss. In this case, we sought a fair evaluation of the damages. The appraisal process involved a thorough assessment of the property, the extent of the wind damage, and the costs involved in repair and replacement.

The appraisers, after carefully evaluating the evidence and considering the expert opinions presented, arrived at a fair valuation of the loss. The appraisal value amounted to $187,000, significantly higher than the insurer’s previous offers.

Reluctantly, the insurer had to acknowledge the legitimacy of the appraisal process and the fair assessment of the damages. Ultimately, they agreed to settle the claim for the appraised amount of $187,000.

This case serves as a prime example of the challenges policyholders face when dealing with insurance claims. Often, initial offers from insurers do not adequately account for the full extent of the loss. It takes skilled and dedicated professionals, like us at JF Public Adjusters, to ensure that policyholders receive the fair compensation they deserve.

In the end, our client was able to rebuild their home and restore it to its former glory. While the road to achieving a fair settlement was arduous, the outcome justified the efforts made. We take immense pride in our ability to fight for our clients, ensuring they can recover from losses with their heads held high.

If you find yourself in a similar situation, facing an insurance claim that seems unfairly undervalued, remember that there are experts like us who are ready to advocate on your behalf. Reach out to JF Public Adjusters and let us guide you through the claims process, ensuring that you receive the maximum compensation for your losses.