How to read this page
Each entry is anonymized (city generalized, no policy numbers, no client names). Outcomes are specific to the facts of each claim. Prior results do not guarantee similar outcomes.
Recent settlements (rolling)
Central Florida: Hurricane roof claim
- Claim type: Residential hurricane roof
- Carrier offer: Denied (wear-and-tear)
- Outcome: Full replacement + code upgrades at DFS mediation
- Resolution path: Documentation build, engineer report, mediation
- Stage: Closed
Fort Myers: Commercial wind claim
- Claim type: Small commercial wind + water intrusion
- Carrier offer: Scope reduction, $220K initial
- Outcome: $870K, including business interruption
- Resolution path: Full re-scope, CRN filed, pre-suit resolution
- Stage: Closed
Palm Beach County: Cast iron plumbing
- Claim type: Sudden-discharge cast iron failure with floor damage
- Carrier offer: Denied (long-term deterioration cited)
- Outcome: Full structural + matching recovery
- Resolution path: Sudden-event documentation, floor-plan matching argument
- Stage: Settled
Hobe Sound: Condo association claim
- Claim type: Multi-unit water intrusion from building envelope
- Carrier offer: Partial payment, envelope scope disputed
- Outcome: Full scope + common-element matching
- Resolution path: Board coordination, phased scope documentation, appraisal threatened
- Stage: Settled
Vero Beach: Lightning strike
- Claim type: Lightning strike with secondary HVAC / electronics damage
- Carrier offer: Primary damage only, $35K
- Outcome: Full secondary electronics and HVAC coverage, $130K+
- Resolution path: Expert electronics assessment, scope expansion
- Stage: Settled
The common thread
Each of these resolved because documentation quality and statute-grounded pressure exceeded the carrier's willingness to maintain a reduced position. None of them required litigation.