Courtside at Arapahoe is a multi-building homeowners association in Greenwood Village, CO. This property has individually owned units on several different floors with both pitched roofing, flat roofing, rooftop HVAC units, and cedar siding.
The Association sustained incredible amounts of hail damage to the property as a result of a September 2014 storm. The loss included damages to virtually all exterior materials to include the roofs, gutters, siding, paint, windows, decks, HVAC equipment and garage doors.
After 6 months of going it alone on their claim, the board decided to contact C3 Group after a seemingly low offer of only $200,000 in damage. There was essentially no money in repairs allotted for siding, paint, windows, decks, flat roofs, or HVAC and the roofing estimate was incomplete.
In April of 2015, Courtside hired C3 Group to act as their advocate during the insurance claim process.
Based upon our initial walk through of each building, we believed there was well in excess of $1,000,000 in damage to the property. C3 Group completes a full investigation of each property, including the use of a staff Forensic Engineer, to allow us to fully document, photograph, and estimate damages to each property and each building.
After a fully documented damage assessment by C3 Group, the hail loss to the property were roughly $1,800,000. The initial loss assessment provided by Courtside’s insurer was less than 1/8th of that.
After reviewing the initial loss assessment, C3 Group determined that there were many damaged items not included in the report and improperly estimated line items – thus the reason for the low settlement offer. Additional inspections with engineers and loss consultants for the insurer were completed, leading to a full investigation of the claimed damage by both parties.
Hear it from their own words here: https://www.c3adjusters.com/docs/Recommendation-Letter_C3.pdf
If it seems like the insurance company and their “investigation” is taking forever with little results or the offer you receive just doesn’t seem to be everything you thought it would be, it’s always wise to consult with a C3 Group Public Adjuster who can conduct a free site visit, review of the policy, and review of all documents/estimates provided by your insurer. We know the ins and outs of the process and the ways that claims are typically shorted. Make sure that if you face a complex insurable loss, that you utilize the proper resources to best ensure that you are being paid per your policy contract.
Navigating insurance claims can be a complex and tedious process and Property owners are almost always at a disadvantage without the proper knowledge and experience. Having an advocate that can act on your behalf is critical to ensuring you receive a fair and accurate settlement, especially when it comes to ensuring a proper investigation of the damages. Without the help from C3 Group, Courtside at Arapahoe likely would have not received a settlement that covered all of the damages to the property.