This time the damage didn’t happen to someone else, it happened to you. You’ve suffered a major loss. Frozen pipes in your home. A fire in your restaurant. A tree through your roof. Now what? Call your insurance company? Yes. You can be assured they will put their finest adjuster on the project to negotiate the best settlement for them. Remember, your insurance carrier has their best interest in mind – not yours – and there can be a large discrepancy between the amount of money you are offered, and the amount you deserve. 

Fire Loss, Hasbrouck Heights, NJ

Carrier: Strathmore Insurance Company.
Commercial Hotel. Heavy fire caused by an explosion in electrical panel.

$921,000.00
$1,083,431.37
18% increase

First offer:
Final settlement:
$162,431.37 gain

Water Loss, Parlin, NJ

Carrier: Underwriters at Lloyd’s.
Commercial banquet room. Heavy fire.

Fire Loss, South Plainfield, NJ

Carrier: Liberty Mutual Fire Insurance Company.
Single family home. Heavy fire in a two and half story wood frame home.

First offer:
Final settlement:
$97,240.85 gain

$302,759.15
$400,000.00
32% increase

$188,600.61
$245,517.39
$283,548.39
50% increase

First offer:
Second First offer:
Final settlement:
$94,947.78 gain

 

Fire Loss, South Amboy, NJ

Carrier: Homesite Insurance Company.
Single family home. Heavy fire in a family residence. Total loss.

First offer:
Second First offer:
Final settlement:
$ 99,089.20 gain

$189,910.80
$284,997.40
$289,000.00
52% increase

Water Loss, Fire Exposure,
New York, NY

Carrier: Valley Forge Insurance Company
Commercial office. Heavy water damage in a custom furniture showroom.

First offer:
Final settlement:
$ 351,675.51 gain

$22,390.76
$374,066.27
1570% increase

Water Loss, Elkton, MD

Carrier: The Travelers Indemnity Company
Apartment building. Out of state client suffered water damage due to frozen pipes in a senior citizen apartment building.

$ 91,594.26
$117,882.50
$118,760.78
30% increase

First offer:
Second First offer:
Final settlement:
$ 27,166.52 gain

 

Fire Loss, Flemington, NJ

Carrier: State Farm.
Single family home. Serious fire in a home occupied by a senior citizen.

$338,066.45
$408,967.87
20% increase

First offer:
Final settlement:
$ 70,901.42 gain

Fire Loss, New York, NY

Carrier: Fireman’s Fund Insurance Company.
Fire in several units of a multi-unit apartment building.

$106,283.89
$143,642.61
$219,180.11
106% increase

First offer:
Second first offer: 
Final settlement:
$ 112,896.22 gain

Fire Loss, Holmdel, NJ

Carrier: NJ Manufactures Insurance Company.
Single family home. Heavy fire in high-end one-family residence.

$855,189.87
$1,391,000.00
63% increase

First offer:
Final settlement:
$ 535,810.13 gain

 

Fire Loss, Newark, NJ

Carrier: Evanston Insurance Company.
Commercial building. Heavy fire on all floors of a commercial building. Total loss.

$38,101.75
$60,056.59
$75,000.00
97% increase

First offer:
Second first offer: 
Final settlement:
$ 36,898.25 gain

Fire Loss, Roselle Park, NJ

Carrier: Harleysville Insurance Company.
Single family home. Major house fire on all floors of a single family home.

$255,428.85
$274,461.84
$300,271.11
18% increase

First offer:
Second first offer: 
Final settlement:
$ 44,842.26 gain

Fire Loss, Westfield, NJ

Carrier: Travelers Insurance Company.
Single family home. Heavy fire in a luxury home.

$154,274.01
$190,492.33
24% increase

First offer:
Final settlement:
$ 36,218.32 gain

 

Fire Loss, Watchung, NJ

Carrier: Chubb Insurance Company.
Single family home. Generator fire caused damage to rear of structure.

First offer:
Final settlement:
$ 342,544.15 gain

$ 403,278.72
$ 745,822.87
85% increase

 

Fire Loss, Westfield, NJ

Carrier: Preferred Mutual Insurance Company.
Fire began in the basement of a high-end home.

First offer:
Second offer: 
Final settlement:
$ 475,796.88 gain

$ 272,754.63
$ 547,226.95
$ 748,551.51
174% increase

 

Fire loss, Freehold, NJ

Carrier: Pacific Specialty Insurance Company.
Single family home. Heavy fire started in the basement (per fire report: child playing with matches). Parts of first floor collapsed into basement, filling basement with water. 

First offer:
Second offer:
Final settlement: 
$ 109,338.20 gain

$ 291,744.12  
$ 376,110.74
$ 401,082.32
37% increase

Fire Loss, Dunellen, NJ

Carrier: NJM Insurance Company.
Heavily involved fire. Million dollar home.

First offer:
Second first offer: 
Final settlement:
$ 205,520.54  gain

$ 403,042.71  
$ 476,828.17
$ 608,563.25
51% increase

Fire Loss, Millington, NJ

Carrier: Ameriprise Insurance Company.
Single family home. Brush fire extended to residence causing heavy house fire.

First offer:
Final settlement:   
$ 113,460.63 gain

$ 260,556.52
$ 374,017.15   
44% increase

 

Fire loss, Moorestown, NJ

Carrier: Stillwater Property & Casualty Insurance.
Heavily involved fire at a single family home.

First offer:  
Second offer:
Final settlement:   
$ 110,148.09 gain  

$ 75,203.55
$ 139,166.54
$ 185,351.64
146% increase

 

Fire loss, Bloomsbury, NJ

Carrier: The Philadelphia Contributionship.
Heavily involved fire in a single family home.

First offer:
Second offer:  
Third offer:   
Final settlement:
$ 105,749.92 gain

$ 162,919.53
$ 247,883.00
$ 262,810.32
$ 268,669.45
65% increase

Fire loss, Bloomsbury, NJ

Carrier: American Home Assurance Company.
Theft/Vandalism loss caused by a previous property owner. 

First offer:
Final Settlement:
$ 253,992.77 gain

$  42,496.39
$ 296,489.16
600% increase

 

Windstorm/Collapse, Rahway, NJ

Carrier: State Farm Insurance Company.
Building Coverage: $ 282,800. Collapse of siding and brick façade of a 2-story commercial/ residential building.

First offer:
Second offer:   
Final Settlement:   
$ 178,922.81 gain

$ 126,654.23  
$ 139,107.58  
$ 305,577.04    
141% increase