The day Mr Michael fell victim to a theft, his home in Plano, Texas, suffered immediate damage. Broken entry resulted in damaged doors, locks, and interior surfaces, along with several pieces of personal property being stolen or damaged. Michael filed a claim against his insurance provider, intending for the settlement to repair the home, as well as replace the stolen personal effects.
Unfortunately, this initial assessment did not reflect the full measure of the losses attributable to the theft. The major repairs related to forced entry, subsequent interior damage, and correct value of the pilfered personal effects had been underestimated, yielding a deficit between the carrier’s assessment and Michael’s actual losses.
The initial offer, totaling $14,268.35, failed to fully account for the true scope of the theft-related loss.
Realizing the requirement of proper and professional help, Michael chose SPJ Adjusting Services.
A thorough line-by-line analysis of this claim was done by SPJ. At SPJ, everything from points of entry, damaged structural components, and internal repairs was recorded. There was also an inventory of personal property prepared together with its valuation. There were standards of repair and building codes studied in order to make sure nothing was missing.
We ensured that the extent of the loss due to theft was adequately considered through its informed assessment and advocacy. This led to the settlement of the claim at $81,972.68, which helped Michael to recover his dwelling and compensate for the lost property in addition to getting peace of mind.
This is an important case that highlights how careful documentation and skilled advocacy can elevate an otherwise underappreciated claim of theft into one that is fair and equitable.
