An offer of $84,559, and the appraisal that nearly doubled it.
The loss
A fire damaged a Flint home in January 2026. The insurance company's offer for replacement cost was $84,559.
Mid-Michigan's housing stock is older than most of the state's, which changes what a correct fire claim looks like: plaster rather than drywall, original wood, and framing that lets smoke travel further than it would in a newer house.
The first pass
- An offer of $84,559.
The full claim
- The loss, measured rather than walked.
- Appraisal, once the position held.
- Interest for the time the claim took.
- A final replacement cost of $166,385.
What we did
We scanned the property with DocuSketch so the scope was measured rather than described from a walkthrough.
The insurance company held its number, so we invoked appraisal and presented the measured scope to the panel. Appraisal is not a lawsuit and it is not a complaint. It is a provision in the policy the homeowner already paid for.
The outcome
The appraisal panel settled the claim at close to twice the offer, with interest for the months the claim had taken to resolve.
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.
Related
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