Superior Commercial Fire — $815,100 Recovery

Noble Public Adjusting Group successfully represented the Noland Family in Superior, CO, after a fire damaged their property. The electrical origin of the fire caused significant damage to the wiring, HVAC, and interior finishes of the hotel. The insurance company initially denied several line items claiming they were maintenance-related rather than storm or fire damage.

The comprehensive physical damage assessment revealed extensive structural compromise due to roof failures, resulting in significant water intrusion into the interior spaces. The HVAC system was severely damaged, causing substantial heat loss and requiring costly repairs. Furthermore, electrical fires often leave behind charred remains of wiring and other combustible materials, which can lead to prolonged remediation efforts.

The hotel’s exterior also suffered damage from the fire, including broken windows and scorched roofing material. This compromised the building’s integrity, potentially allowing water intrusion and further exacerbating the damage. The interior finishes, including walls, ceilings, and flooring, were severely impacted by the fire, requiring extensive repairs to restore the property to a safe and habitable condition.

In addition to the physical damage, the fire also posed significant environmental concerns for the Noland Family. The charred remains of the wiring and other materials could have released hazardous chemicals into the air, posing a risk to human health and safety. Moreover, the prolonged remediation efforts required to restore the property would likely involve costly decontamination procedures.

The insurance company’s valuation of the damage proved woefully inadequate, resulting in a significant financial shortfall for the Noland Family. By denying several line items claiming they were maintenance-related rather than storm or fire damage, the insurer effectively under-scooped the extent of the property damage.

This under-scoping tactic allowed the insurer to adjust its coverage limits downward, reducing the amount of compensation available to the client. Furthermore, the insurance company employed a lowball adjustment model that further eroded the value of the Noland Family’s claim. The result was a financially crippling shortfall for the family, who were left with insufficient funds to cover their expenses and repair the damaged property.

Moreover, the insurance company failed to recognize several critical line items, including those related to electrical fire damage and HVAC system repairs. By overlooking these essential elements, the insurer significantly underestimated the total cost of repairing the property, leaving the Noland Family vulnerable to further financial hardship.

A licensed public adjuster from Noble Public Adjusting Group conducted a thorough, comprehensive itemized line-by-line estimate of the damage, providing an accurate and detailed account of the property’s losses. Extensive policy coverage review allowed the adjuster to uncover hidden damages that the carrier had missed, including those related to electrical fire damage and HVAC system repairs.

Through meticulous analysis and expert knowledge, the public adjuster was able to identify and quantify these previously overlooked line items, significantly increasing the value of the Noland Family’s claim. By advocating on behalf of the client, the public adjuster was able to negotiate a more favorable settlement with the insurance company, ensuring that the family received fair compensation for their losses.