A condominium complex suffered a multimillion-dollar loss to three-quarters of the property. Before we were hired, we told the Board of Trustees that we would not charge them a fee if our services were not worthwhile. After we were hired, it became clear that the insurance had not been written properly and that the damage greatly exceeded the amount of insurance. We suggested that they would be better served by hiring an “insurance advisor” to resolve the insurance problems. We did not charge for our services (the Board paid a small amount at their own volition).

A fire gutted two floors of a rental property and resulted in significant water damage to the floors below. The insured had “rental value” insurance. The insurance company wanted to deduct the costs associated with the property such as utilities, maintenance, taxes, etc. The adjuster representing the insurance company and the company’s claims manager insisted that they were correct. However, we provided supporting documentation that enabled us to prove that “rental value” insurance pays full rental value without deductions and the insured received substantially more money than the insurance company was willing to pay initially.

A six-unit apartment building suffered major fire damage to the right side of the building. The left side had significant water damage. However, the water damage was not apparent and the adjuster representing the insurance company would not pay for replacing all of the plaster and insulation on the left side of the building. With the aid of a moisture meter, we were able to prove that the plaster and insulation were, in fact, wet. The adjuster then agreed to pay for replacing the plaster and insulation throughout the left side of the building. As a result, the insured received an additional $25,000.

A fire destroyed one apartment and caused smoke and water damage throughout a condominium building. The insurance was written on the wrong form and the property manager, insurance agent, and insurance company’s adjuster all thought that there was no coverage. We disagreed and were able to show the insurer that the policy did, in fact, provide coverage to the condominium association. Result—the condo association was indemnified for the loss.

A fire demolished the second floor in a condominium townhouse. Initially, the insurance company adjuster would not agree to gut the entire unit and made a low offer. After an extensive series of negotiations, we were able to convince the adjuster to allow the restoration of the entire unit. He also raised his offer substantially. Since the unit owners were living out-of-state and could not devote the time necessary to restore the property, we found a demolition contractor to gut the apartment and prevent the onset of mold. We also worked with the condominium association to define the scope of the job so that their contractor could complete the restoration within the budget.