Our client reported a claim to Foremost Insurance after a massive hailstorm hit his Fort Worth, TX neighborhood on March 16, 2016 damaging his roof, siding, fence, and leaving water penetration inside his home.  Foremost Insurance sent out a field adjuster to estimate the damages of the property.  A damage estimate was then mailed to the client detailing a loss of $8,790, and after the deductible and depreciation was subtracted, the client received a check in the mail for $6,535.   Upon contacting our firm, the client did not have the means to fully repair the roof, the damaged siding and other issues such as water penetration inside the home.  Foremost was adamant that they processed the claim timely, issued a fair payment to the client and didn’t act in bad faith.  Foremost repeatedly mentioned that this homeowner’s claim is based on an Actual Cash Value policy.  With that, any visible wear and tear to the home devalues recovery from a filed claim.  Unless the property is either brand new, or in pristine condition, Actual Cash Value policies are a determining factor to a client’s recovery.  The firm sent out an independent contractor to review and estimate the actual damages which was sent to the Foremost adjuster accompanying a settlement demand letter.  Citing the ACV policy, and the aforementioned payment already forwarded to the client, Foremost requested a re-inspection of the property to make additional payment considerations of any damages they may have left out of their initial insurance estimate.   After 2 months of diligent, cordial, and progressive negotiation with the adjuster at Foremost, we recovered new money well beyond the original payment.