$11,282 initial payment. $165,000 final recovery.

The Jones family's Cape Coral home suffered smoke damage that extended far beyond the most visibly affected areas. The carrier's initial payment was $11,282.21.

Smoke and soot can travel throughout a home, affecting walls, ceilings, HVAC systems, personal property, finishes, and rooms far from the original source. American Financial Claims worked to document the complete extent of the damage and the restoration necessary to return the property to its pre-loss condition.

The claim ultimately resulted in a $165,000 recovery, more than $153,000 above the initial payment.