At Florida’s Best Public Adjusters, we fight for what’s fair—not what the insurance company says is “enough.” Today we’re sharing a case from Orlando where a homeowner reached out after receiving a surprisingly low offer following a major water leak. Their initial settlement didn’t even cover one-third of the actual damage. We knew right away it was time to step in.
The Call That Started It All
The homeowner contacted us just days after getting an offer from their insurer. A bathroom pipe had burst and flooded into nearby rooms, causing visible damage to the floors and baseboards.
The insurance company’s response? A $12,347 estimate that barely covered materials—let alone professional labor, mold remediation, or reconstruction. The homeowner was frustrated, and rightly so. They weren’t trying to inflate the damages—they just wanted their home back to the way it was.
That’s where we got involved.
Our Inspection Told a Different Story
We visited the property in Orlando and conducted a thorough moisture inspection using industry-grade equipment. What we found shocked even the homeowner:
- Water had spread into the hallway and adjacent guest bedroom
- Saturated drywall behind the bathroom walls and vanity
- Mold growth just beginning to form in hidden corners
- Subfloor swelling under the laminate
None of this had been noted in the original estimate. The insurer’s adjuster had only looked at surface damage—ignoring the long-term impact of untreated water exposure.
Building a Case They Couldn’t Ignore
After gathering all the evidence, we assembled a comprehensive damage report that included:
- Detailed estimates from local, licensed contractors
- Moisture and mold reports with photo documentation
- A line-item rebuild plan that met Florida building codes
We submitted the revised package and reopened the claim on the homeowner’s behalf. Our firm handled every negotiation, including pushback from the insurer on labor and materials. After several rounds of discussion, they agreed to a final payment of $95,400—an increase of over 670%.
A Much-Needed Outcome
With the new settlement, the homeowner was finally able to:
- Replace flooring in three rooms
- Hire a certified mold remediation team
- Repair walls, insulation, and subfloor
- Repaint and restore the bathroom with upgraded fixtures
They even had enough left to cover temporary housing during the work.
What the Homeowner Had to Say
“The original offer wasn’t even close to what we needed to fix the damage. Florida’s Best Public Adjusters were thorough, professional, and honestly just on our side from day one. Stephen and his team got us a fair settlement and helped us every step of the way.”
— Jason D., Orlando Homeowner
You Deserve More Than the Minimum
Insurance companies often underpay on water damage claims—especially when hidden damage is involved. As licensed public adjusters in Orlando, we document every layer of your loss and challenge lowball offers so you can move forward with confidence.
Get a Free Claim Review in Orlando
If your water damage claim in Orlando has been denied or underpaid, we can help. There’s no upfront cost, and you only pay if we recover more.
Or call now at (407) 476-4949 to schedule your free claim review.
✅ Case Study Summary: Water Damage Claim – Orlando
- Type of Claim: Water Damage
- Location: Orlando, Florida
- Initial Insurance Offer: $12,347
- Final Settlement After Florida’s Best Public Adjusters’ Involvement: $95,400
- Total Increase: 673%
- Procedure: Claim was reopened after inadequate initial settlement
- Result: That means the homeowner received more than 7.7 times the original offer after working with Florida’s Best Public Adjusters
