Case Study: Ice & Snow Loss – Anuj, Plainsboro, NJ (March 2018)
Case Study: Ice & Snow Loss – Anuj, Plainsboro, NJ (March 2018)
Overview
| Client | Anuj (Plainsboro, NJ) |
|---|---|
| Loss Date | March 2018 |
| Peril | Ice & Snow Damage |
| Scope of Repairs | Replacement of siding on all four elevations, full roof replacement, patio door replacement |
Settlement Metrics
| Category | Amount |
|---|---|
| Final RCV Settlement | $31,958.85 |
| Final ACV Settlement | $23,699.87 |
| Prior Insurance Offer | $2,372.08 (tree removal only) |
Key Outcome: The final RCV was nearly 13.5 times greater than the insurer’s prior offer, showing the real value of working with a licensed public adjuster.
The Story Behind the Numbers
Before PB Adjusting Stepped In
When the insurance company evaluated the damage from the March 2018 storm, their offer was just $2,372.08. That amount only covered tree removal. Serious structural damage to the siding, roof, and patio door was overlooked entirely. Anuj was left without real support or a clear path to restoring his home.
PB Adjusting’s Strategic Approach
- Thorough Documentation: Our team performed a complete inspection and captured every detail of the damage.
- Accurate Scope and Estimates: We collaborated with trusted contractors to outline real, code-compliant restoration costs.
- Relentless Advocacy: We communicated directly with the insurer, presenting clear evidence and standing firm on what was owed under the policy.
Result: A Complete Turnaround
- Final RCV: $31,958.85, covering full repairs.
- Final ACV: $23,699.87, providing upfront compensation.
- Improvement: From $2,372.08 to more than $31,000, this claim was a massive recovery for the homeowner.
Why This Case Matters
This case is a powerful example of why homeowners need expert representation. The original offer would have left Anuj with no way to repair his home. PB Adjusting stepped in, challenged the lowball offer, and delivered results that truly made a difference. It wasn’t just about the money. It was about standing up for what was fair.