At SPJ Adjusting, we were retained by Mr.Klein in connection with a theft loss at his residence in Madison, Wisconsin. As expected with this type of loss, the property sustained damage related to forced entry, along with significant interior disruption. The damage included compromised doors, windows, and locks, as well as interior damage and the loss of personal property.
Mr. Klein promptly filed a claim for these damages; however, the initial payment of $18,964.30 issued by Liberty Mutual did not adequately cover the full extent of the damage and losses resulting from the theft.
We took up the appraisal process, but our estimation was undermined. Our professionals carried out a keen assessment, noting all points of damage that were related to theft-from repairing the structure to replacing the components that were irreversibly damaged, and restoring the house to its pre-damaged state. We factored in the costs related to labor and materials, as well as compliance issues that were missed in the initial estimate.
SPJ Adjusting substantiated the actual damage through thorough documentation, an accurate valuation of the loss, and a solid supporting appraisal submission. The resultant final award was determined to be $51,286.75, thereby allowing the insured to effect the much-needed repairs and start looking to the future with considerable renewed confidence.
This success story speaks volumes about SPJ Adjusting’s attention to detail, our advocacy, and fair treatment for our clients when the initial evaluation of the theft is underestimated.
