Flood Damage Recovery — Aurora, CO

The Flash Flood caused extensive damage to the property in Aurora, CO. The insurance company initially offered $45,000 which was far below the actual cost of repairs. Noble Public Adjusting Group documented the full extent of damage with thermal imaging and expert assessments, negotiating a final settlement of $142,500 — a 217% increase over the original offer. This successful claim showcases the public adjusters’ expertise in maximizing policyholder settlements.

The property suffered significant structural compromise due to the floodwaters. The roof failed, allowing water to penetrate the interior of the building and causing extensive water damage. Thermal imaging revealed areas where warm water had seeped into the walls, compromising the integrity of the building’s foundation. In addition, windows were breached, allowing wind-borne debris to enter the property.

Further investigation by Noble Public Adjusting Group’s experts uncovered environmental impacts due to the floodwaters. The heavy rainfall caused soil erosion, leading to landslides and destabilization of the surrounding terrain. This compromised the structural integrity of neighboring properties, putting them at risk of similar damage in the future.

The public adjusters also identified areas where water had seeped into the property’s electrical systems, causing short circuits and electrical fires. The floodwaters had contaminated the building’s HVAC system, requiring costly repairs to restore functionality. These discoveries highlighted the importance of comprehensive assessments in maximizing policyholder settlements.

The insurance company’s initial offer was woefully inadequate, underscoring a common tactic used by corporate insurers: under-scoping. By failing to account for all potential damages, the carrier hoped to limit their liability and settle the claim quickly. However, this approach left the Pugh Family vulnerable to further financial losses.

Lowball adjustment models were also employed by the insurance company, resulting in an inaccurate estimate of the property’s damage. This inadequate valuation allowed the carrier to lowball the settlement amount, denying the policyholder a fair recovery for their losses. By using this tactic, the insurer hoped to avoid paying out a higher amount, which would have increased their own costs.

Furthermore, overlooked line items and hidden damages were common throughout the claim process. The insurance company failed to account for various expenses, such as temporary relocation costs and specialized equipment rentals required to dry out the property. These omitted line items added up quickly, contributing to the policyholder’s overall financial burden.

A licensed public adjuster from Noble Public Adjusting Group conducted a thorough, comprehensive itemized line-by-line estimate to uncover hidden damages the carrier missed. This meticulous approach involved reviewing the insurance policy in its entirety, identifying potential areas where claims were being under-scoped or undervalued.

Extensive policy coverage reviews allowed the adjusters to pinpoint discrepancies in the original valuation. By carefully examining each aspect of the claim, they were able to identify a wide range of overlooked damages, including those mentioned earlier. This comprehensive review process provided the public adjusters with the necessary information to negotiate a more favorable settlement for the Pugh Family.

The independent property scoping and adjusting services offered by Noble Public Adjusting Group allowed them to build a strong case against the insurance carrier. By presenting detailed evidence of the policyholder’s losses, they were able to demonstrate that the initial valuation was grossly inadequate. This enabled the adjusters to negotiate a substantial increase in the settlement amount, ultimately securing a recovery of $142,500.