NAJAMATTHEWS

A HARMONIQ CASE STUDY Closing the Gap in a Highly Disputed Claim A breakdown of how HarmoniQ transformed a $2,400 carrier estimate into a structured $26,000 appraisal outcome. Our Client A public adjuster representing a residential property owner following a significant loss. The Issue The insurance carrier issued an initial estimate that did not reflect the full scope of damage. The public adjuster, working alongside a contractor, produced a substantially higher estimate, creating a wide gap between positions. The Challenge The claim had entered a stalled phase, with a significant discrepancy between the carrier’s valuation and the insured’s documented scope. Without a structured path forward, the file risked prolonged delay, increased friction between parties, and potential escalation into a more adversarial process. The public adjuster needed a way to: Re-establish credibility in the valuation Identify and validate overlooked or disputed damage Move the claim toward a defensible and supportable resolution […]