Recently, a
homeowner in the Phoenix metropolitan area discovered that water from a broken
pipe had damaged their wood floor. The
property owner immediately called their homeowner’s insurance company and
reported the incident. A short time
later, a representative of the insurance provider paid them a visit and
determined that there was $2,354 worth of damage and that after the homeowner’s
insurance deductible was met, the homeowner would receive a check for $1.354.
The homeowner
knew that this small amount would not fix the damaged floor and that the
settlement amount could not be accurate.
Feeling unsure of how to challenge the large insurance company’s offer,
they called a public adjuster.
A representative
from Hudson Douglas Public Adjusters met with the homeowner and reviewed the
scope of repairs offered by the insurance company. The flooring that was used to determine the
replacement value was found to be inaccurate and the full scope of repairs was far
from sufficient. Hudson Douglas presented
their findings to the insurance company who changed their initial $2,354 settlement
offer to over $32,897.
“As a public
adjuster, we get involved in cases like this every day,” said Douglas Waldie,
President of Hudson Douglas Public Adjusters, LLC. “Property damage can come in
many shapes and forms. In Arizona, some
of the most frequent causes are due to fires, smoke, floods, faulty plumbing,
hail, wind, theft and vandalism. No
matter the cause, as a public adjuster it is our duty to fight for our
customers to ensure that they are treated fairly and that no details are
overlooked. At Hudson Douglas we represent only the insured and with our vast
experience in the construction and disaster restoration industries we know what
a fair settlement value is for our customers.”
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