Success Story
Oregon Wildfire: $195K to $680K
Total loss wildfire with severe smoke damage to surviving structures
Medford, Oregon
Wildfire Damage
.jpg)
Trusted by Policyholders Nationwide
The Results
How expert advocacy transformed this claim
Without Advocacy
$195,000
Undervalued by insurance
Final Settlement
$680,000
+249% increase
Additional Recovery
+$485K
Resolved in
8 Months
Medford, Oregon
Wildfire Damage
.svg)
Recovery Amount
$680,000
Improvement
+249%
The Story
Main home destroyed, guest house salvageable but smoke damaged. Insurer undervalued both structures and ignored code upgrades. Secured proper total loss valuation.
The Challenge
Insurer used depreciated values and refused to cover smoke remediation and code compliance.
Applied excessive depreciation to replacement cost
Undervalued pre-loss property condition and features
Refused coverage for smoke remediation of guest house
Denied code upgrade coverage
Undervalued debris removal and site prep
Inadequate additional living expense allowance
Our Strategy
Complete property valuation with current construction costs and smoke damage protocols.
1
Replacement Cost Analysis
Obtained contractor estimates at current post-fire market rates.
2
Property Reconstruction
Documented home features, upgrades, and quality from photos and records.
3
Smoke Testing
Professional testing of guest house showing extent of contamination.
4
Code Research
Identified all required code upgrades and policy coverage.
5
Appraisal Process
Invoked appraisal to resolve valuation dispute.
The Outcome
Achieved proper replacement cost plus smoke remediation and code compliance.
Additional Recovery
+$485K
Beyond initial offer
Replacement Cost
$525K
Full rebuild authorization
Smoke Remediation
$85K
Guest house restoration
"Losing our home to wildfire was devastating. Then the insurance company offered us half what we needed. Policy Advocates fought for every dollar. We got $680,000 - enough to rebuild properly and restore the guest house. We're rebuilding our lives thanks to them."
Kevin & Jennifer Larson
Medford Homeowners
Key Takeaways
Total loss valuations require current construction costs, not depreciated values
Smoke damage to surviving structures requires professional remediation
Code upgrades are mandatory after total loss and often covered
Debris removal and site preparation costs are substantial
Post-disaster construction costs are significantly higher - demand current pricing
Get Similar Results for Your Claim
Every claim is unique, but our proven process delivers consistent results. Get your free claim assessment today.
100% Free
No Obligation
Nationwide Service
.avif)