Property Success Stories


Case: Property Client - First Notice of Loss


Challenge: This claim was identified during our First Notice of Loss Review Program for one of our property clients involving a water damage claim due to a finishing nail which penetrated a pipe in the insured residence during renovations when the plumber failed to install nail guards on two studs where the hot water pipes were located. When the finish carpenters installed the base moldings they drove a nail into the stud striking the copper pipe within. The at- fault plumber was identified by our investigation and the third party carrier placed on notice.


Outcome: Negotiations reached an impasse as the carrier would not accept any liability and we therefore submitted the claim to Arbitration Forums. Contentions were carefully worded and presented with photographic evidence which supported our position and liability against the plumber. A favorable decision was rendered for an award of $21,329 representing a 100% recovery for the client.

Case: Property Client - First Notice of Loss


Challenge: This claim was identified via our First Notice of Loss Review Program for one of our property clients. The claim involved a loss in which the client insured had placed his neighbor on notice that their tree was a hazard prior to Hurricane Sandy.. The storm caused the tree to fall onto the insured’s pool deck, fence and garage causing extensive damages of $50,000. Despite the fact the insured had placed the neighbor on notice there were liability issues given that the tree fell due to high winds during a natural disaster. Due to the high volume of claims being handled during this time period damages were difficult to prove.


Outcome: Negotiations resulted in a settlement of 50% of the damages providing our client with a recovery of $25,000.

Case: Property Client - First Notice of Loss


Challenge: Claim identified via our First Notice of Loss Program and involved a large fire loss to the insured’s home caused by a fire originating from a neighbor’s home during Hurricane Sandy. The Total Loss of insured’s home brought the paid claim value to $627,629. The property where the fire originated was completely destroyed in the fire, along with most of the potential physical evidence- making a formal cause and origin investigation nearly impossible. Nevertheless, we conducted an in-depth investigation that included canvassing of the neighborhood and statements from witnesses including the adverse homeowner.


Outcome: From these, and other efforts, we collected sufficient evidence to indicate the adverse homeowner had installed a generator in this home without obtaining the required local permits and that this generator was in fact the origin of the fire. Our recovery representative settled this claim for a total recovery of $412,500 representing a 66% recovery to the client.

Case: Property Client - First Notice of Loss


Challenge: This Property Claim was identified during our FNOL review and involved an electrical fire loss where payment was made to the policyholder in the amount of $153,569. The fire allegedly started due to a light fixture being installed improperly by the electrical contractor. Unfortunately, the light fixture was not preserved after the fire and we faced major spoliation issues regarding our recovery, and as such the adverse carrier denied our claim as soon as our support documents were presented. While we did have an engineer report providing their opinion as to what started the fire, our pursuit of this claim was strictly circumstantial.


Outcome: We discussed this case with subrogation counsel and they advised this would not be a claim to proceed with through the courts. After extensive investigations and request for additional engineering reports, all based on opinion, our recovery representative was able to negotiate a settlement with the adverse carrier for $25,000.





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