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$5,000 Offer. $20,000 Settlement. Here's How We Got There.

The Challenge:A landlord client had a leaking shower in one of their rental properties. The loss adjuster assessed the damage and offered a $5,000 settlement, classifying the entire claim as hidden gradual damage — a policy extension with a defined cap. Left unchallenged, this would have left our client significantly out of pocket with a property still unfit to rent.Our Approach:We disagreed with the loss adjuster's blanket assessment and pushed back hard. Over the following month, we worked t...

When an Insurer’s Quick Fix Isn’t Enough

The Challenge:A client struck a submerged log at speed while returning to the marina in their high‑value launch. The insurer’s assessor concluded there was “no apparent hull damage” and proposed a minimal repair—stripping and recoating antifoul and a propeller realignment—placing the initial settlement at about $5,000.Our Approach:We pushed back and insisted on a specialist inspection. After tense negotiations the insurer approved a local marine engineer to examine the vessel, and we...

Fighting for what's fair

The Challenge:A client’s friend was struggling with a claim dispute and was facing an unfair settlement offer. They weren’t one of our clients at the time, but they needed help.Our Approach:We reviewed the claim, identified inconsistencies in the insurer’s calculations, and made a few strategic calls to negotiate on their behalf.The Outcome:The client received an additional $27,000 - a 25% increase on the original settlement. They’ve been with us ever since, and we now look after their f...