Insurance Claim Reversal: How a Denied Water Damage Claim Turned Into a $25,000 Payout
From Denial to $25,000 Settlement: How VIP Adjusting Recovered a Full Payout
Plumbing leak at a business in Jupiter Fl. The plumber stopped the leak, a restoration company dried it out, and VIP Adjusting helped indemnify the insured
When a local business owner in Jupter, Florida suffered a significant water damage loss in late summer 2020, their insurance company initially dragged its feet. The carrier disputed the extent of damage, questioned documentation, and issued only partial “undisputed” payments that fell far short of what was needed to restore the property.
The Challenge
The insurer’s first position was that the claimed damages were excessive. They issued a series of small checks — under $20,000 in total — citing coinsurance penalties, depreciation, and coverage disputes. The property owner was left facing repair bills far higher than what the carrier acknowledged. To make matters worse, the insurer rejected the Proof of Loss submitted on behalf of the insured, asserting it was “inadequate as presented”.
VIP Adjusting’s Actions
Our team stepped in to take control of the claim. We:
Reviewed the insurer’s estimate, which undervalued the true scope of the water damage.
Gathered mitigation invoices and contractor documentation to validate the full extent of the loss.
Negotiated persistently with the carrier, rebutting their coinsurance application and proving the claimed amount was fair and necessary.
Pressed back against delays and used the policyholder’s rights to force action on the claim.
The Result
After months of back-and-forth, VIP Adjusting successfully negotiated a final settlement of $25,000 — more than double the amount the insurer initially tried to limit the claim to. This outcome covered the property owner’s full repair costs and closed the claim fairly.
Why It Matters
Without representation, the property owner would have been left with a drastically underpaid claim. VIP Adjusting not only increased the payout but also ensured that the client could make full repairs without financial strain.
Closing
If your claim has been denied, delayed, or underpaid, don’t accept less than you’re entitled to. Contact VIP Adjusting today — we fight for policyholders, and we win.
