Success Stories
City of Zanesville
Hail Damage - 55 citywide locations
with $150+ million policy in place
Zanesville, Ohio
INITIAL CARRIER OFFER: $6,200
BRENNAN SETTLEMENT:
$3,200,000
Carrier hired third party adjusting company to handle claim. Failed to inspect all buildings, failed to identify damages, failed to seek and provide coverage.
Brennan inspected and prepared damage reports along with repair estimates. Met with carrier engineering crew and completed joint inspections. Proved damages and negotiated final estimate with General Adjusting team.
John & Nita Frenden
Residential House Fire – Lakefront Home
Lakewood, Ohio
INITIAL CARRIER OFFER: $0
BRENNAN SETTLEMENT:
$1,975,000 policy limits
Insured elected to keep settlement funds and sell property “as is” for additional $900k
Carrier attempted to deny claim based on “red flags” identified by investigators. Failed to thoroughly investigate. Failed to seek and provide coverage. Carrier attempted to delay and deny with circumstantial and anecdotal evidence.
Brennan gathered interviews, documentation, analyzed policy conditions. Brennan succeeded in presenting fact-based evidence and policy language that ultimately determined proper coverage to be afforded.
Lincoln Family Retreat
Total Loss - Vacation Property
Upper Peninsula, Michigan
INITIAL CARRIER OFFER: $1,800,000
BRENNAN SETTLEMENT:
$6,300,000 above policy stated limit
Carrier presented “total loss” policy limits. Carrier failed to perform cost analysis for rebuild costs. Carrier failed to acknowledge additional costs for island/remote location.
Brennan presented actual costs for remote island project. High end custom property with unique and special features. Logistics were accounted for by Brennan which significantly raised the costs of the project.
Brennan uncovered policy language that provided full costs for replacement of buildings, no policy limit. Negotiated settlement with carrier to provide full payment without strings attached.
Melissa McClure
Residential House Fire
Cincinnati, Ohio
INITIAL CARRIER OFFER: $0
BRENNAN SETTLEMENT:
$350,000 policy limits
Carrier claimed no coverage due to occupancy/residency issue. Carrier determined property was occupied by insured whereas policy was written as Landlord DP-3. Position was insured lied on application.
Brennan uncovered original policy application and emails from insured to broker stating intent for occupancy. Proved to carrier insured acted honestly with application process. Advised carrier to honor claim for fire and to extend coverages as policy was incorrectly underwritten.
Courtyard Café
Brecksville, Ohio
INITIAL CARRIER OFFER: $0
BRENNAN SETTLEMENT:
$750,000 policy limits
Carrier disputed coverage for tenant Improvements. Cited lease language that directed liability to landlord and its master policy.
Brennan analyzed policy, lease, purchase contract, shareholder agreement, and brought forth argument that insureds were covered by policy as written by carrier.
