Incorrect Estimate by Field Adjuster After Hailstorm

Our clients filed a claim with Farmers Insurance after a massive hailstorm hit his Fort Worth, TX neighborhood on March 17, 2016, damaging their roof such that water penetrated inside their home.    Farmers Insurance sent out a field adjuster to estimate the damages.  A copy of the damage estimate of and a check payment of $2,657 was mailed directly to the clients after the deductible and depreciation was subtracted.  Because this payment could not pay for the repairs, they hired Amaro Law Firm and we submitted a demand letter to Farmers with a damage estimate from an independent contractor.  Farmers requested a re-inspection of the property with the independent contractor present to review the actual damages with their own field adjuster.  Farmers was quick to point out this homeowners policy is an Actual Cash Value policy, which means that wear and tear of the property are a factor in determining how much the client is reimbursed for property damage.  Farmers and the firm were able to reach an amicable agreement on a substantial settlement, after 2 months of negotiation.  The clients were able to complete the repairs to their property.