Boca Raton Public Adjuster Denied Claim
At Florida’s Best Public Adjusters, the owner of a high-end Boca Raton restaurant came to us at his breaking point. After a devastating kitchen fire, his insurance company denied his claim, leaving him with months of lost revenue and roughly $350,000 in damages. The insurer refused to pay, claiming the fire resulted from “negligence.”
Facing a denied claim in Boca Raton, he turned to our Boca Raton public adjuster team, who stepped in to turn things around.
The challenge? A wrongfully denied claim threatening the business’s survival.
The fire started due to faulty wiring behind the grill station at this top Boca Raton dining spot. The flames spread quickly, causing:
- $200,000+ in structural damage
- $150,000 in lost income and business interruption
- Destroyed equipment, inventory, and customer reservations
How We Got the Denied Claim Reopened
At Florida’s Best Public Adjusters, “no” isn’t the end, it’s where we begin. That’s the difference that wins cases. Here’s how we turned the tables for our client:
- We Reviewed the Policy & Fire Report: The insurer overlooked key details. The fire wasn’t caused by negligence but by a covered electrical malfunction.
- We Reopened the Claim: Many don’t realize a denied claim can be appealed. We submitted a detailed appeal with expert reports.
- We Proved Business Interruption Losses: The restaurant was closed for three months. We tracked every lost reservation, catering contract, and payroll impact.
- We Negotiated Aggressively: Instead of $0, the owner received $475,000 – enough to rebuild and recover.
What Our Client Said
We’re proud of reviews like this. Being professional and caring is exactly what we strive for. It’s not just about getting results. It’s about making sure our clients feel supported the entire time.
Why Insurance Companies Deny Claims (And How We Fix It)
Here, the insurer wrongly blamed the owner. But we’ve seen denials for:
- “Insufficient evidence” (even with proof)
- “Policy exclusions” (misinterpreted by insurance adjusters)
- “Pre-existing damage” (false accusations)
Case Review
- Type of Claim: Business interruption & fire damage
- Location: High-end restaurant, Boca Raton, FL
- Initial Insurance Offer: $0
- Final Settlement: $475,000
- Key Steps: Policy review, fire investigation, business loss documentation, negotiation
- Recovery Rate: 100%—from denial to full settlement
- Result: Restaurant reopened at full financial capacity.
Facing a Denied Claim in Boca Raton? We Can Help.
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