Major Water Loss Claim Morgan Hill, CA
Details
Client Residential Customer
Completed October 2025
Location Morgan Hill, California
Additional Details
Quick facts
- Initial carrier payment: $10,816.27
- Additional recovery secured: $71,406.18
- Total recovery: $82,222.45
The loss
A refrigerator supply line ruptured while the homeowners were away, flooding the kitchen, living room, and garage. Beyond visible damage, prolonged water exposure risks subfloor failure and mold if not fully remediated.
What we did
- Performed a rapid, thorough inspection and documented standing water, compromised materials, and hidden moisture intrusion.
- Coordinated with mitigation and restoration partners to verify dry-time, replacement needs, and repair timelines.
- Built a complete claim package supporting full remediation and repair costs.
- Negotiated with the insurer until the claim fairly reflected the homeowner’s loss.
Outcome
The insurer increased payment by $71,406.18, resulting in a total recovery of $82,222.45—funds used for full repairs, and necessary replacements.
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Our Homeowners had just purchased a new home and left for the weekend. When they returned, the kitchen, living room, and garage had filled with water — the refrigerator supply line had ruptured and the house looked like a pool.
The carrier’s initial payment was $10,816.27. The homeowner knew that amount didn’t cover the full loss and felt the insurer’s offer was unfair. They called Norcal Public Adjusters.
We moved quickly. Our team documented the full scope of damage — standing water, soaked finishes, damaged flooring and cabinetry, ruined appliances, and the unseen risks that follow a major water intrusion (mold, subfloor saturation, and hidden structural compromise). We coordinated with trusted mitigation and restoration specialists to verify drying timelines, repair scope, and replacement needs, then built a complete, evidence-backed claim package.
We presented the documentation and negotiated forcefully with the carrier. The result: an additional $71,406.18 in claim proceeds—bringing the homeowner’s total recovery to $82,222.45—funds that covered thorough repairs, and necessary replacements so the family could restore their new home properly.
Project Photos
