The insurance company never wrote an estimate. It paid ours.
The loss
A vehicle crashed into a Clifford home on New Year’s Eve 2025. The house sat on a rock-wall foundation from the early 1900s, and the crash damaged the foundation along with the walls above it.
We were brought in at the start. There was no offer, and the insurance company never wrote a repair estimate.
The first pass
- The insurance company writes the estimate.
- Old construction priced like new.
- The homeowner argues with its number.
The full claim
- DocuSketch measurements and full photo documentation.
- Research on how a 1900s rock-wall foundation is actually replaced.
- A detailed repair estimate, written by us.
- $121,059 replacement cost, with no depreciation taken.
What we did
A century-old rock-wall foundation isn’t repaired like a modern one, and a generic estimate would have priced it like one. We researched the replacement methods that kind of foundation actually needs, measured and photographed the damage, and built a detailed repair estimate around that work.
With no competing number from the insurance company, our estimate became the claim.
The outcome
The claim settled about eight months after we were engaged, at $121,059 replacement cost. No depreciation was applied, so the only thing taken off was the $1,624 deductible.
Identifying details are limited to protect client privacy. Figures are the insurance company's documented position and the final settlement on that claim. Every claim is different, and past results don't predict the outcome of any future claim.
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