Large Loss Claims: How Advocate Claims Services Helped Clients Recover Big After Disaster Struck

A large loss claim is one of the most stressful experiences a property owner can face. Whether it’s a fire, storm, flood, or structural collapse, damages in the hundreds of thousands or millions of dollars can turn life or business upside down.

Unfortunately, many insurance companies delay, underpay, or dispute large loss claims—hoping policyholders will settle for far less than they’re owed. That’s where Advocate Claims Services comes in.

As public adjusters, we fight for property owners to ensure they receive the full payout they deserve. Here are two real-life case studies that show how we helped a commercial business and a homeowner recover after catastrophic losses.

Case Study #1:

Commercial Property – Fire Damage to a Manufacturing Facility

The Situation

A manufacturing facility in Michigan suffered a devastating fire that caused:$3.2 million in structural damage, loss of inventory and production equipment. Significant business interruption, halting operations for months

The business owner assumed their insurance policy would fully cover the damage. However, after months of delays and back-and-forth negotiations, the insurance company only offered $1.8 million—barely covering half the losses.

The Challenges

The insurer downplayed structural damage, claiming only “cosmetic repairs” were needed. Business interruption coverage was underpaid, with the insurer arguing the company could resume operations sooner than realistically possible. The insurance company’s adjuster excluded damaged equipment, stating it was "already depreciated."

How Advocate Claims Services Helped

✅ We conducted an independent assessment of the property damage, proving the fire had compromised the building’s structural integrity.

✅ We provided expert testimony from engineers and contractors, demonstrating that the actual rebuild costs were far higher than the insurer’s estimate.

✅ We calculated the true financial impact of lost production and business interruption, ensuring the company was fully compensated for lost revenue.

✅ We negotiated aggressively, ultimately securing a final settlement of $3.75 million—nearly double the insurance company’s original offer.

The Outcome

The business owner was able to:

✔️ Fully rebuild the facility without paying out of pocket.

✔️ Replace all damaged equipment and resume operations.

✔️ Receive full compensation for months of lost revenue.

Your large loss claims specialists.

Case Study #2:

Residential Property – Tornado Damage to a Family Home

The Situation

A family home in Grand Rapids, Michigan, was severely damaged by a tornado, causing:🌪 Extensive roof and siding damage, structural shifting, making the home unsafe, along with water intrusion.

The homeowner was shocked when their insurance company offered only $95,000—not even close to covering the $300,000+ in repairs required. Worse, the insurer claimed pre-existing wear and tear was responsible for part of the damage, an excuse to reduce the payout.

The Challenges

• The insurance adjuster ignored structural shifting, only accounting for roof and siding repairs.

• Mold remediation costs were excluded, even though it was a direct result of storm-related water intrusion.

• The insurance company argued that the home could be repaired instead of needing a rebuild—despite clear safety risks.

How Advocate Claims Services Helped

✅ We brought in independent structural engineers who confirmed that the foundation and framing were compromised, making repairs unsafe.

✅ We fought to include mold remediation costs, proving it was a direct result of storm damage.

✅ We challenged the insurance company's depreciation calculations, ensuring a full-cost replacement instead of a lowball repair estimate.

✅ After multiple rounds of negotiations, we secured a final settlement of $372,000—more than 3 times the original offer.

The Outcome

The family was able to:

✔️ Fully rebuild their home to safe, livable conditions.

✔️ Avoid paying out-of-pocket for major repairs.

✔️ Get their lives back on track without financial stress.

Why Large Loss Claims Require a Public Adjuster

If you’ve suffered a large property loss, your insurance company will do everything possible to minimize their payout. Without a public adjuster, you risk:

❌ Delayed claims processing—dragging out payments for months (or years).

❌ Lowball settlement offers—insurers often undervalue damages by 50% or more.

❌ Disputes over coverage—companies find loopholes to deny or reduce payments

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At Advocate Claims Services, we handle the entire claims process, ensuring:

✅ Thorough damage assessments that account for hidden damages.

✅ Fair and accurate estimates based on actual rebuilding costs.

✅ Aggressive negotiation with the insurance company to maximize your settlement.

✅ Faster processing, so you can move forward without unnecessary delays.

Don’t Settle for Less—Get the Full Payout You Deserve!

If your home or business has suffered a major loss, don’t trust the insurance company’s first offer. Let us fight for you!

• Call Advocate Claims Services today at 855-ACS-2-WIN for a FREE consultation.

• Visit us at www.acsadjusters.com to learn how we can help.

Your insurance company has adjusters looking out for them—shouldn’t you have one looking out for YOU?