San Diego Water Loss – Case Study
We were called in to represent a client for a large water loss in San Diego. This was a devastating flood from a washing machine malfunction the whole downstairs was affected. The insurer was not denying the claim, they were simply attempting to low ball the estimate for the rebuild.
Once we were under contract, I was able to get the adjuster to re-engage for another site visit to go over all the items that were left out of his initial estimate for repairs. The home had high end hardwood floors and a designer kitchen that was part of the scope for repairs and had been significantly damaged by this event. Our focus was to recover the maximum settlement for our client to restore the home to its pre-loss condition without compromises.

We also had to remind the carrier that the insured was entitled to additional living expense benefits per the policy under coverage E. These benefits were promptly extended once my team made the case for the fair rental value of the insured’s home.
After countless back and forths about the actual damage sustained by the loss, our documentation and proof of the damages were finally accepted and we had a path to recovery for the insured. Over the next 3 months we relentlessly pursued the maximum compensation for our client and successfully negotiated a great rebuild budget for the insured. This included removing and replacing the whole downstairs flooring, baseboards, painting all walls, cabinets in the kitchen, and the island to be replaced with new countertops too.
Property damage insurance claims take time to document, present and argue to the carriers in order to receive the maximum settlement. We don’t skip steps in our processes to represent our clients best interests, and we will fight till the very end. Remember time is something that the carriers use to wear you out so you will settle at a much lower dollar amount for your damages.
Who You Partner With Matters
With over 15 years in the home improvement and restoration industry, our boots on the ground knowledge of construction and the shortcomings of the insurance claims handling process inspired the founding of Palm Public Adjusting. Our mission is to assist policy holders maximize compensation on property damage insurance claims.
Call me today – I’m available to answer your questions.
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Carlsbad:
2244 Faraday Ave, Suite 142
Carlsbad, CA 92008
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2450 Colorado Ave, Suite 100E
Santa Monica, CA 90404
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