REPRESENTATIVE CASE EXAMPLES
Case results
These are representative examples of closed claims handled by L.R. Claims & Consulting. Names, identifying details, and dollar amounts have been adjusted to protect client privacy. Each example reflects the difference between what the insurance company was prepared to pay, and what was recovered on the client's behalf.
About these examples — These are representative scenarios based on real client claim situations. Identifying details and dollar amounts have been adjusted so that no individual client's file can be identified. They are not exact case records. Past results do not guarantee future outcomes. Every claim is different, and we will give you an honest assessment of your situation before we take your case.
Fire Claim — Fontana, CA
Single-family home. Total loss. Insurer's initial offer significantly undervalued the structural scope.
The insurance company's adjuster completed a surface-level estimate and closed the file at about $47,000. We reopened the claim, documented the full structural damage, smoke infiltration throughout the HVAC and wall cavities, and contents losses that had not been itemized. Final settlement: about $143,000.
Water Damage (Denied) — Sherman Oaks, CA
Slab leak with secondary damage. Claim denied on initial submission.
The claim was denied. The insurer cited a policy exclusion and closed the file. We reviewed the policy language, challenged the denial, documented secondary water migration to flooring, drywall, and cabinetry that the original inspection missed. The claim was reopened and settled at about $67,000.
Roof Claim — Burbank, CA
Storm and hail damage. Insurer's estimate did not cover full replacement scope.
The insurer approved only a partial repair. The roofing contractor had already identified that the damage required full replacement and that code upgrades were required under current Burbank building standards. We documented the full scope, including code-required upgrades, and negotiated a settlement of about $38,000 against the original offer of about $9,200.
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