From Denial to a Fair Settlement for Hopewell Junction, New York Homeowner

In the quiet town of Hopewell Junction, New York, a homeowner faced an unexpected challenge when their property suffered water damage due to a faulty dishwasher. Upon filing a claim with State Farm, their insurer, hope turned to disappointment when the claim was denied. The insurer cited the damage as resulting from continuous leaking, seepage, and wear, stating their policy excluded such claims. A portion of the denial letter reads as follows:

Distraught and seeking justice, the homeowner turned to the internet for guidance and discovered JF Public Adjusters.

A meeting was arranged with Joel, our Public Adjuster. In the meeting, the homeowner explained the circumstances surrounding the claim. Joel also reviewed the homeowners insurane policy as well as the denial letter. Joel, even before being hired as public adjuster for the insured, offered insights into crafting a rebuttal/response to the insurer’s denial.

Now having a bit more insight into the world of insurance and empowered by Joel’s advice, the homeowner responded to the denial, explaining why the claim should be accepted and the damage covered by the policy.

The tides began to turn. The insurance company reversed their denial decision, accepting the claim. At this point, recognizing the need for professional representation, the homeowner then enlisted JF Public Adjusters to ensure fair compensation.

Inspections, tests, and estimates followed, with the insurance company initially offering a $44,000 settlement. However, JF Public Adjusters, confident in the true value of the claim, advised the homeowner to decline. Negotiations ensued, with JFPA presenting a comprehensive estimate supported by evidence. The insurance company responded with an increased offer of $66,000, which was also rejected.

After another intense negotiation round, the insurer settled the claim at $91,000—a remarkable outcome compared to the initial denial, where the homeowner would have received nothing.

This success story is a testament to JF Public Adjusters’ commitment to helping homeowners and business owners navigate property insurance claims effectively, ensuring they receive the compensation they rightfully deserve. The simple gesture of Joel taking the time to meet with the insured, discussing their claim and offering free advise had a massive impact to the life of this homeowner.

If you have a property that sustained damage from an insured event and you want someone on your side who will ensure you get paid what’s due to you, Joel of JF Public Adjusters is the man to call. Call or text (917) 272-8793. Alternatively, schedule a call and we’ll reach out at your preferred time.