$100,000 Recovered in Florida Homeowner’s Insurance Claim Dispute
In August 2014, a pipe burst inside a Port Charlotte, Florida home, releasing approximately 14,000 gallons of water and causing extensive damage throughout the property.
Walls, insulation, flooring, cabinetry, furniture, and personal belongings were significantly impacted. The homeowner, a senior citizen who had faithfully paid her homeowner’s insurance premiums for years, promptly reported the claim.
Insurance Company Underpaid the Claim
After inspecting the damage, the insurance company offered $13,797.43 — a small fraction of what was required to fully repair the home.
Despite repeated efforts to resolve the matter directly, the insurer refused to provide adequate compensation under the policy.
Legal Action Filed
Wites & Rogers was retained in November 2014 to pursue the full value of the claim. A lawsuit was filed against the insurance company to enforce the policyholder’s contractual rights.
In early January 2015, the case was resolved.
The insurance company agreed to pay:
- $100,043 to the homeowner
- Attorney’s fees and costs
As a result, the client did not pay legal fees out of her recovery.
Florida Insurance Claim Disputes
Unfortunately, underpaid homeowner’s insurance claims are not uncommon following major water damage events.
Common issues in property damage disputes include:
- Low repair estimates
- Failure to account for hidden water damage
- Mold remediation disputes
- Improper depreciation calculations
- Denial of covered damages
Policyholders have the right to challenge underpayments and seek enforcement of their insurance contract.
Free Consultation
If your homeowner’s insurance claim has been denied or underpaid, contact Wites & Rogers to discuss your options.
954-933-4400
There are no fees unless compensation is recovered.
