Residential Hurricane Claim

$300,000 Recovery for Denied Hurricane Ian Claim

The Problem

Our client’s home suffered extensive damage during Hurricane Ian, including major roof damage, destruction to exterior finishings, and widespread interior water damage.

Despite the clear severity of the loss, the insurance company’s adjusters determined that the damage was “minor” and below the hurricane deductible, resulting in a $0 payment to the homeowner — leaving them with no funds for urgently needed repairs.

Our Approach

Jimenez Legal was retained to fight back. Our attorneys:

• Conducted a thorough inspection with independent roofing and construction experts
• Prepared a comprehensive damage estimate proving the claim was worth far more than the insurer acknowledged
• Filed a lawsuit and pushed forward aggressively through depositions and discovery
• Took sworn testimony of the insurer’s corporate representative, field adjuster, and expert — exposing weaknesses in their position
• Built a trial-ready case, signaling to the insurer that we were fully prepared to present to a jury

The Result

Faced with overwhelming evidence and legal pressure, the insurer agreed to a $300,000 settlement shortly before trial. This substantial payout allowed our client to restore their roof, repair their home’s interiors and exterior, and recover financially.

Key Takeaway

Denied or underpaid hurricane claims are not the final word. With skilled litigation, policyholders can compel insurers to pay the full value of their loss.