Claim Overview
When a large oak tree crashed through the roof of Marie and David’s Fort Myers home, they thought the worst was over once the storm passed. But the real nightmare came days later when their insurance company outright denied their claim. The insurer argued the roof was “pre-existing damage” and refused to cover anything, not even the cost to remove the tree from the property.
Marie was stunned.
“I was furious,” she said. *”We’ve been paying premiums for decades, and the moment we really needed help, we were completely dismissed. I didn’t even know that was legal.”
Desperate for help, they turned to Florida’s Best Public Adjusters on their neighbor’s advice.
Our Process
Once contacted, our team quickly reviewed the denial letter and the original inspection report. It was immediately clear that the insurance company had mischaracterized the situation and failed to account for the force of the impact caused by the fallen tree.
Florida’s Best Public Adjusters sent out an experienced inspector who documented all damage with photos, roofing assessments, and a full breakdown of required repairs. We also obtained arborist notes, contractor quotes, and neighborhood weather data to support the timeline of the event.
With all the evidence compiled, we submitted a formal request to reopen the denied claim and began direct negotiations with the insurer.
Final Outcome
After thorough mediation and pressure from our licensed adjusters, the insurance company reversed its original denial and agreed to settle in full totaling $61,000. That included:
- Complete roof repair
- Structural remediation
- Full reimbursement for tree removal and cleanup
- Interior damage coverage for water intrusion
Marie and David were finally able to restore their home and move forward with peace of mind.
Client Testimonial
“When I got the denial letter, I felt completely betrayed. But Florida’s Best took us seriously. They listened, they fought, and they didn’t stop until we were treated fairly. I don’t know what we would have done without them.”
Don’t Let a Denied Claim Stop You
Denied claims aren’t the end of the road. If your insurer refuses to pay for legitimate damage, you have the right to fight back. Florida’s Best Public Adjusters specializes in reopening denied or underpaid claims and getting results.
Struggling with a denied claim in Fort Myers? Contact Florida’s Best Public Adjusters today for a free consultation and expert help.
✅ Case Study Summary: Roof Damage Claim – Fort Myers
Type of Claim: Roof Damage (Tree Impact)
Location: Fort Myers, Florida
Initial Insurance Offer: Claim Denied – $0.00
Final Settlement After Florida’s Best Public Adjusters’ Involvement: Full Settlement Including Roof Repair, Tree Removal, and Interior Damage totaling $61,000
Total Increase: Full reversal of denial with significant financial recovery.
Procedure: Claim was denied; reopened through independent inspection and mediation
Result: Florida’s Best Public Adjusters turned a denied claim into a complete victory, covering all structural and cleanup costs for a retired couple in need
