Large Loss Residential
Property Claims
When a single-family home sustains catastrophic storm damage — total roof loss, structural compromise, interior flooding — the carrier’s response rarely matches the true scope. For losses over $150,000, the gap between the first offer and the final settlement is where we work.
⚠️The Pitfalls
Depreciation Abuse on High-Value Homes
On large residential claims, carriers often apply aggressive depreciation to premium materials — slate, clay tile, cedar shake, custom millwork — dramatically reducing the ACV payment while making the full RCV difficult to access. The holdback can be enormous.
Interior Scope Fragmentation
When water intrusion damages interior finishes across multiple rooms — custom cabinetry, hardwood floors, plaster ceilings — carriers often scope each room separately at standard rates, missing the full scope of matching requirements and the cascading interior damage pattern.
Engineering Reports to Deny Causation
On high-value claims, carriers are more likely to deploy an engineering firm to attribute damage to “normal wear and tear” or “pre-existing conditions.” The engineering report — commissioned and paid for by the carrier — becomes the basis for a significantly reduced scope or outright denial.
✓The Peril Solution
Material-Specific Documentation
We document every premium material on the property — manufacturer, product line, specification, installation date where available. When carrier pricing doesn’t reflect the actual material spec, we obtain contractor estimates using the correct products and challenge the depreciation methodology.
Whole-House Interior Documentation
We conduct a complete interior inspection following the water damage path from entry point to every affected room. Each room is documented with its full scope of damage — including matching requirements for connected materials across rooms.
Counter-Engineering Response
When the carrier deploys an engineering report, we respond with our own documentation package: storm track verification, soft metal spatter evidence, granular displacement photography, and where warranted, our own engineering assessment. Two competing engineering reports go to appraisal — which is a process we know how to win.
Large Losses Require Large Fight.
We don’t accept the carrier’s first answer on claims over $150,000.
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