Initial Insurance Assessment

The insurance carrier attempted to limit coverage, citing delayed discovery and partial policy exclusions. Their initial estimate totaled $64,000 and focused only on visible flooring and drywall damage, overlooking the true extent of the loss.

After being referred by a local contractor, the homeowner engaged ProMaxx to reassess the situation. Our investigation uncovered widespread moisture intrusion beneath flooring and inside wall cavities, subfloor warping and structural compromise, early-stage mold growth, damage to custom cabinetry, and insulation failure throughout multiple rooms. Using moisture mapping and thermal imaging, we documented the full scope of hidden damage.

To strengthen the claim, we challenged the carrier’s coverage limitations through detailed policy interpretation and demonstrated the damage was sudden and accidental—not gradual. Our scope included full tear-out and dry-out costs, along with documented loss of use tied to seasonal rental income.

The initial insurance offer of $64,000 was ultimately increased to a final settlement of $198,750—an increase of 210%. This case highlights how water damage, especially in coastal properties, often spreads invisibly, making early involvement from a public adjuster critical to maximizing the claim.