During the cold winter months, New York experienced record low temperatures causing significant property damage from roof collapses due to ice damming and sprinkler/plumbing breaks. A prominent Manhattan business owner retained our firm to ensure their personal home in Southampton, NY was fully covered for damages that occurred from ice damming. One of the world’s largest publicly traded insurance companies assigned a staff adjuster to represent their interests and the claim negotiations began. The carrier retained the assistance of an “Insurance Builder” to prepare the scope of damages who acted as if they were the “Insurance Company Staff Adjuster” by trying to minimize the scope of damages by referencing policy language and by using a drastically lower price list than the Southampton contractors would use to ensure the building was brought back to the pre-loss condition. After extensive claim documentations of the real cost involved, our determined team of public adjusters negotiated the initial building offer from $709,510.22 to $1,406,008.62 which represents a 98% increase for our client.