A $246,986 kitchen explosion claim became a $2,350,000 recovery

After a kitchen explosion affected Charlie's Restaurants in North Carolina, the insurance company's initial evaluation resulted in a payment of $246,986.

The carrier argued the loss could have been prevented. A commercial kitchen explosion can involve far more than the immediately visible damage, including equipment, finishes, structural components, and the work required to restore the property. American Financial Claims documented the covered loss and the full restoration scope, and presented a detailed claim based on what was actually required to restore the property.

The claim ultimately resulted in a total recovery of $2,350,000.