JFPA Delivers Outstanding Results on Two Complex Claims for a New Jersey Client

At JF Public Adjusters, we are dedicated to helping policyholders maximize their insurance claim settlements, ensuring they receive the compensation they deserve. Recently, we had the pleasure of working with a New Jersey homeowner who experienced not one but two unique and challenging claims. Here’s how our expertise and commitment to client satisfaction resulted in exceptional outcomes.

Our client’s first claim involved a significant water damage incident caused by a burst pipe on the second floor of his home. When the pipe burst, water seeped through the floors, damaging multiple rooms across three levels—from the second floor down to the first floor and finally the basement. The damage impacted various bedrooms, the kitchen, dining room, living room, and basement, leaving our client overwhelmed by the extent of the repairs required.

The insurance company initially assessed the damage and offered a settlement of approximately $33,000. However, based on our thorough inspection and documentation, it was evident that the true extent of the damage was far greater. Water damage, especially when it affects multiple floors, can be complex and costly, involving structural repairs, flooring replacements, and sometimes even electrical or plumbing work.

JF Public Adjusters went to work, presenting solid evidence that the damages warranted a much higher payout. Unfortunately, the insurance company was reluctant to increase its offer or negotiate to an amount that would cover the full scope of the repairs. Realizing that negotiation alone wouldn’t yield the results our client deserved, we escalated the claim to appraisal.

Thanks to our meticulous preparation and commitment to advocacy, the appraisal process resulted in a final settlement of $152,000—more than four times the initial offer of $33,000. This outcome underscores the importance of working with experienced public adjusters who understand the complexities of water damage claims and can present compelling evidence to secure a fair resolution.

While we were working on the burst pipe claim, our client brought to our attention a separate issue from a couple of years prior. He described an incident where a waste management truck driver had damaged his property in two instances. First, the truck driver accidentally knocked down a fence on his property. Then, on a subsequent visit, the driver raised the truck’s forks and inadvertently entangled them with the electrical wires connected to the property. The driver attempted to free the truck by forcefully pulling on the wires, which caused damage to the electrical connections. Although the wires were reconnected, the damaged connections began to spark and burn, leading to further issues with the property’s electrical system.

The client had previously filed a claim for this incident, but the insurance company only offered him a minimal payment of around $200, which was insufficient to address the extent of the electrical repairs and other related damage. Recognizing that this claim had been undervalued, JF Public Adjusters stepped in to advocate on his behalf.

Through persistent follow-up and a detailed presentation of the damages, we were able to successfully negotiate a new settlement of $16,000—a far more accurate reflection of the repair costs needed to restore the property’s electrical system and fence.

Our client was thrilled with the outcomes on both claims. Through our dedicated support, he received the settlements needed to fully address the damages to his property. Following the successful resolution of these claims, he left a glowing review on Google, expressing his appreciation for our team’s professionalism, attention to detail, and commitment to client satisfaction.

“JF Adjusters provided outstanding service throughout the process. From the moment my adjuster arrived with a restoration team, he took swift action to mitigate further damage and promptly processed my claim. His professionalism and the efficiency of his team were impressive—every detail was expertly managed, and I felt supported every step of the way.”

“Several months earlier, I had also filed a claim related to an incident, which had been unresolved for nearly three years. Although I had only received a partial payment of $245 on a much larger claim, I mentioned this to my adjuster. He committed to investigating the matter further. To my delight, I recently received two substantial checks for both claims, delivered directly to me.”

“I highly recommend JF Adjusters to anyone seeking dedicated and thorough support. Their commitment to client satisfaction and attention to detail provide a truly royal treatment!”

This case exemplifies our commitment to maximizing claim settlements for our clients. Home insurance claims can be complex, and without the proper guidance, policyholders may receive settlements that are far below the actual costs of repair. Our team of experienced public adjusters understands the nuances of claim documentation, negotiation, and, when necessary, the appraisal process. We work tirelessly to ensure our clients receive fair and accurate compensation for their losses.

If you’re a homeowner facing property damage from water, fire, storm, or any other insured peril, JF Public Adjusters is here to help. We offer the expertise, dedication, and client-focused approach needed to navigate the claims process successfully. Contact us today for a consultation, and let us help you secure the settlement you deserve.