A water leak was discovered at a rental property in Tavares, FL on September 29th, 2009. The residence suffered significant damage throughout and fungal growth began to appear. The policyholder made contact with their insurance carrier who sent out the company adjuster to inspect the property. The report was submitted to the claims office and a payment of $18,406 was made to the insured. As soon as the insured contacted a contractor to perform the necessary repair work however, they were made aware of the severe underpayment and hired Orlando claims adjuster Ryan Kinney to represent them. After a more thorough analysis of the damages was performed, a claim package was assembled and submitted to the carrier. This resulted in total payment to the insured of $64,384 including temporary repairs, loss of rent, remediation, and rebuild of the property.