Can LA Consulting negotiate hidden damage or overlooked costs?
LA CONSULTING
Original Content
Yes, one of the greatest advantages of hiring LA Consulting is our ability to identify and negotiate for hidden damages and overlooked costs that insurers often ignore. Insurance company adjusters typically focus only on obvious, surface-level issues, leaving policyholders responsible for unexpected expenses later. Our team conducts detailed inspections and uses industry-standard estimating tools to uncover the full scope of loss. By bringing these findings into negotiations, we ensure that your settlement reflects the real cost of restoring your property—not just the minimum the insurer wants to pay.
What hidden damages often include
Hidden damages are the issues you may not see immediately after a loss but that significantly affect repair costs. Examples include water trapped inside walls, smoke residue in HVAC systems, compromised roof decking, or structural weakening after storms. Insurers may exclude these damages if they are not properly documented, leaving you to cover them out of pocket. At LA Consulting, we know exactly where to look for these hidden problems and bring in experts when needed to confirm our findings.
Why overlooked costs reduce payouts
Insurers also tend to leave out important costs tied to recovery. These may include code upgrades required by law, temporary housing expenses, business interruption losses, or debris removal. Each of these costs can be substantial, and if not negotiated into your settlement, they can cause financial strain. Our adjusters carefully review your policy to identify all applicable coverages, ensuring no benefit is left unclaimed.
By pushing for these overlooked expenses, we maximize the value of your claim and protect you from future financial surprises.
How LA Consulting proves hidden damage
We document hidden damages with photographs, moisture readings, engineering reports, and expert assessments. Our estimates are prepared using Xactimate, the same software insurers use, which ensures pricing accuracy and credibility. By presenting undeniable evidence backed by industry data, we make it difficult for insurers to dismiss or minimize hidden issues. This thorough approach often results in settlements far greater than the insurer’s original offer.
Our team’s ability to combine technical expertise with negotiation skill is what delivers real results.
The impact on real clients
Many of our clients come to us after their insurers initially offered settlements that ignored half the real costs. For example, one homeowner was offered $12,000 for roof repairs that excluded structural work. After we proved hidden decking damage, the payout increased to $40,000. In another case, a business denied compensation for code upgrades ultimately recovered a six-figure settlement once we demonstrated legal compliance costs. These outcomes show how overlooked details can dramatically change the final settlement.
Without professional advocacy, these damages would have gone uncompensated.
The bottom line
LA Consulting specializes in uncovering and negotiating hidden damages and overlooked costs. From water inside walls to business interruption coverage, we identify what insurers miss and fight to include it in your settlement. By ensuring the full scope of loss is documented and compensated, we protect you from future out-of-pocket expenses and maximize your payout. When you hire LA Consulting, you can be confident that nothing will be left on the table.
