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Case Studies

These are real claims and real clients. What the claim looked like before we got involved, what we did, and how it ended. Every quote is the client's own words.

Eight Of Ten Houses On Their Street Were Getting Fixed. Theirs Wasn't.

Art K. and Nancy J., homeowners · Hail and wind damage

What they were up against

They could stand in their driveway and count the crews. Eight of the ten houses around them had signs in the yard and repairs underway. Same storm, same block, same damage. Theirs was the one the carrier would not acknowledge. They had paid their premiums for years without a single claim, and the first time they needed the policy they got a fight instead.

What we did

We made the carrier answer for every position it took. Not argued with it. Answered for it. Why is this not covered. Why is that not damage. We documented the loss properly and then we sat in the middle of the carrier, the homeowners and the contractor so everybody was working off one scope instead of three.

The outcome

Claim resolved. Repairs done.

Eight Of Ten Houses On Their Street Were Getting Fixed. Theirs Wasn't.

In their own words

“If you back down, they'll just go ahead and finish the claim without you realizing you could have had better compensation if there was someone to guide you through.”

Art K.

“It's a matter of odds with the insurance company. Some people are going to fight it. Some people are going to say okay, we'll go with what you give us, and not question anything.”

Art K.

“You were very good because you tied us all together.”

Nancy J.
Read the full interview (359 words)

My name is Art K., and this is Nancy J. We were not getting any places. Frustrated. Very frustrated that nothing was getting done. And the insurance company did not recognize the amount of damage that had been done here. We all had damage, and we knew that. Eight out of ten houses next to ours had signs coming up. Such and such ripping is being repaired. And we felt really frustrated because so many of the neighbors had the same claims. Their repairs were being done, seemed easily, and with less complications than we were having. If you back down, then they'll just go ahead and finish the claim without you realizing that you could have had better compensation if there was someone to guide you through, like you did for us. You provided the guidance for us to get us through the insurance claim. It's a matter of odds with the insurance company that some people are going to fight it. Some people are going to just say, okay, we'll go with what you give us and not question anything that they say. He was asking the insurance company, why? What do you mean? Why? Why? We've been paying for good customers. We've been paying our fees for years. And now when the claim comes, we're getting this battle. So he was the one who recognized that we had to go a little further. It was the help that you guys provided that we're getting through there. You're the one who's on the front line battling with the insurance company, and trying to get the compensation that you feel is reasonable to get. Well, I think, like you said, it's important that people understand that there are companies like yours that can help as the interim between the insurance company and the homeowner and or the insurance client and the contractor. And you were very good because you tied us all together. It's all done before. Look at the website. Yeah. And you've been really responsive to every time the art felt that it was a question we always, I'm going to call Taylor. Taylor was there.

A Year In, Still Not Paid. Then Paid In Full And The Building Sold.

John S., co-founder and owner of a Northern Colorado commercial real estate firm · Commercial property damage

What they were up against

A full year into this claim and the carrier had not paid. He had never used a public adjuster and did not know what one was. He was getting nowhere on his own and running out of road.

What we did

We took the carrier to task on the scope and on the numbers, and we did not let it sit. Every position the carrier took, we came back at. That is the whole job.

The outcome

Claim paid in full. With the building repaired he listed the property and sold it for top dollar in a competitive market. A year of nothing turned into a closed claim and a closed sale.

A Year In, Still Not Paid. Then Paid In Full And The Building Sold.

In their own words

“His negotiation skills, his communication skills, his aggressiveness battling for our best interests is what got our insurance company to pay us our entire claim of what we were due.”

John S.

“Without Taylor, we would be struggling today, a year after the fact, and probably still would not have been paid.”

John S.

“Thousands and thousands of dollars would have been left on the table.”

John S.
Read the full interview (377 words)

My name is John S. I'm the co-founder and owner of C3 Real Estate Solutions. Commercial and residential is what we do. Have quite a bit of commercial investments as well. We weren't getting anywhere with our insurance company. That's when we hired Taylor Grant with Bellator. He took our insurance company to task his negotiation skills, his communication skills, his aggressiveness, battling, you know, for our best interests is what got our insurance company to pay us our entire claim of what we were due. Ultimately, the results where we had our claim fully paid, we were able to list our property and sell it for top dollar in a very competitive market. And I would say without Taylor, we would be struggling today, you know, a year after the fact, and probably still would not have been paid. It's only because of him that we were able to be paid our entire amount. I did not know what a public adjuster was. I didn't know exactly what they did. You know, I can tell you now that without hiring Taylor, we would not have had the results that we received. He can be trusted, you know, he's local, he's reputable, now he's referred frequently. Not knowing anything being naive, I put the ball into his course, Taylor just, you know, helped us out because we're not getting anywhere. And he did what he does best, you know, this is his career, this is what he's educated in, this is what he does for a living. And I'll say it again, you know, thousands and thousands of dollars would have been left on the table without hiring the services of Taylor and Bellator. I would add that personally, I have many clients that are struggling with insurance and their adjuster and these claims that they have, whether it's hail or water damage, wind damage, whatever it might be. If you're struggling and you're not getting anywhere, with your insurance brokerage, with your broker, you know, give Taylor a call, you know, whether it's a consultation that he gives you or he actually jumps in to negotiate for you and represents you, you can't do this without him. Taylor's the best, man, highly recommended. Taylor's number one.

School District Hail Claim: $277,000 Became $8.6 Million

Sam B., risk manager for a Colorado school district · Hail damage across multiple school buildings

What they were up against

The carrier sent a local adjuster out. He walked the buildings and said this is too big for me, we need a large loss adjuster. The large loss adjuster showed up and reversed it. Not a large loss, and most of this is not hail. That is the kind of thing that tells you exactly where a claim is headed. The district's own numbers were several times what the carrier was offering, and the carrier would not move at all. Their estimate was their final answer.

What we did

We took every conversation with the carrier off the district's plate. We inspected every building on every campus ourselves and established which ones were actually damaged and which ones were not, because on a hail claim that is where the whole fight lives. Roofers will tell you everything needs replacing. The carrier will tell you everything can be patched. Somebody has to go nail down the facts. We met with the district every other week so they always knew where it stood, and we never put a number in front of them we could not support.

The outcome

The claim finished at $8.6 million against a $277,000 opening offer. Sam moved on from the district before the last of it came in, so the interview he gave has it at $7.7 million. That was the number at the time. The final total was $8.6 million.

“Bellator Claims, and specifically Taylor Grant, was able to take our claim from a couple of hundred thousand all the way up to seven point seven million in a matter of just half a year.”

Sam B.

“I had never encountered a situation where they were this unable or unwilling to negotiate or even consider our thoughts. Working with Bellator Claims taught me how much further insurance companies can be pushed back on, even though they might say no initially.”

Sam B.

“It was really only upside. There's no risk. In the event that he wasn't able to meet expectations, he wouldn't have gotten any sort of payment.”

Sam B.

A Property Manager Who Was Done Getting The Run-Around

Jessica G., commercial property manager · Hail damage

What they were up against

She was getting the run-around and she knew it. Nothing moving, no straight answers, and the clear sense that the carrier was not dealing fairly.

What we did

We took the file and ran it. The thing she noticed most was not the negotiating, it was the updates. She never had to wonder where her claim was. That matters more than people think, because the not knowing is what wears you down on a claim.

The outcome

Claim resolved and the property put back to pre-loss condition. Everything repaired, everything working, no problems since.

A Property Manager Who Was Done Getting The Run-Around

In their own words

“We were just kind of getting the run-around. We felt the insurance company was being really unfair. Then when Bellator came in, we felt we were really getting taken care of.”

Jessica G.

“You guys took control and it just felt like we could sit back and relax.”

Jessica G.

“Everything is back to pre-loss condition. Everything is functioning perfectly.”

Jessica G.
Read the full interview (279 words)

We were just kind of getting the run around. We felt that the insurance company was being really unfair. And then when Bellator came in, we just thought that we were really getting taken care of. You guys took control and it just felt like we could sit back and relax. Well, you guys would give us updates, constant updates. And then we actually just felt really relaxed. We didn't have to do a whole lot after you guys took control. And we just felt very comfortable and what you guys were doing because we were getting those updates and we didn't have to do anything. We just felt great when you guys came in. Absolutely, so happy. It was great right off the bat, right when you guys were fighting for us, it was just awesome. So we are super happy with everything, the completion of everything. It worked great. I think that if you are ever in a bind and you guys need results, you should take on Taylor because you were just awesome. So I just thought the whole process just was smooth and great and we just had nothing to worry about. So I think you are top notch. Yes, everything is back to pre-loss condition. Everything is functioning perfectly. We haven't had any problems since everything has gone through, everything's been fixed. And now the claim is resolved and everything is back to normal. I don't know if I can think of anything else. I just have nothing but good things to say about you guys. So I'm just super happy. We're super happy as a whole process. We're just super happy with everything.

The Claim He Was Ready To Walk Away From

Jesse L., commercial property owner · Commercial property claim

What they were up against

He tried to work it himself first. Most people do. What he ran into is that there is an enormous amount to sift through and no way to tell whether the answers coming back from the carrier's people are straight or not. He is running a business. He did not have the hours this needed.

What we did

We took the day to day off him completely. His claim was not a normal one and it ran long. There was a point where he was ready to be done with it and take what was on the table. We told him we thought it was worth staying with, and why, and he stuck with us.

The outcome

It came in better than he expected. His words, not ours. On his own he says he would never have seen it through to the end, and we believe him, because most people don't.

The Claim He Was Ready To Walk Away From

In their own words

“It turned out better than I could have expected. I know for certain that if I had been doing it on my own, I would never have seen it through all the way to the end.”

Jesse L.

“There's no reason to not have a conversation with Bellator Claims earlier on in the process. Once you do reach out, you're going to say, why didn't I do it earlier?”

Jesse L.
Read the full interview (709 words)

Before I got Taylor and Bellator involved, it was challenging, it was a challenging process. Anybody who's tried to go through an insurance claim on their own in the past, I think you understand that there's a lot to sift through and questions that you want to get answered, but you want to make sure that you're getting, you know, I guess, feedback that isn't tainted just by an insurance rep or by the claims adjuster, but is this really how it works? And so, you know, I felt a little bit lost, a little bit confused as to how do I navigate this process and being as busy as I am, you know, I didn't really have a lot of time to put into trying to navigate that. When Taylor and Bellator claims became involved in my claim process, it was, for me, an instant relief of not having to deal day-to-day or pay attention as much day-to-day to what's happening behind the scenes of this claim. I felt like I could just, you know, afford communication with Taylor, Taylor would step in, handle it, and constantly keep me updated, especially if it was every day or every other day, it was at least, it was when I needed to be updated on what was going on and what was important in any decisions we made or joint decisions, of course, but it allowed me to step back and not have to be involved in it day-to-day, so it really, it really relieved a lot of stress and time that I was having to put into it. The process is over now, which I'm really grateful for Taylor and Bellator claims for helping me through that. I don't know that I would have gotten to this point, quite frankly, without their help. It was a big relief to be done. I mean, it was a long process. Mine was probably abnormal, given my situation. And I'm really thankful that Bellator and Taylor stuck with me and stuck with the claim and never let it go, even though at times maybe I wanted to let, just to say, hey, you know what, am I, is this going to work out, is this ever? And to your credit, you just suggested, hey, I think we can stick with this, and if we do, it'll be a good thing. And sure enough, it was. It turned out better than I could have expected. And I know for certain that if I had been doing it on my own, I would never have seen it through all the way to the end. So we feel really lucky that we had you guys involved. Somebody else who's dealing with a commercial claim in a situation like mine, I would tell you that unless you want to spend a lot of time and deal with a lot of communication and deal with a lot of the pains and the struggles of trying to navigate a claim process like this, which is a little bit more complicated than maybe a typical residential claim, for example, there's no reason to not have a conversation with Bellator claims earlier on in the process in getting them involved. At the very least, you're going to get an education on how to process works, and you can trust that they have your best interest in mind. And it's going to be a situation that once you do reach out in my belief, you're going to say, why didn't I do it earlier? The last thing I'd like to say is just that we're grateful and thankful for being introduced to Bellator claims and tailored. And both myself and my partner at our company, we couldn't have been more happy with the services that we were provided. And I look forward to being able to send referrals back to Bellator. And that's important for me because when I have a good experience, I want to share that with others. So I'm looking forward to handing your cards out and being an advocate for you, for what you guys have done for us. And that's the best way I can repay the favor. So I really appreciate it with you guys.

Trucking Company And Retail Buildings

Jarrett M., commercial property owner · Damage across a trucking operation and retail buildings

What they were up against

He did not know what a public adjuster did going in, and he will tell you that himself. He also was not sure it would make any difference.

What we did

We read the policy against the actual damage and went after everything the coverage owed, not what the carrier's first scope happened to include. There is usually a gap between those two things and it is rarely small.

The outcome

Policy maximized. He now tells other owners to get a public adjuster on any property claim of real size.

Trucking Company And Retail Buildings

In their own words

“Any large claim of any substance, property claims in particular, I would definitely use a public adjuster. They understand the language the insurance companies speak, how to interpret it, and how to maximize what the policy should be covering.”

Jarrett M.

“They're trying to protect their interests and their bottom line. If they see angles where they can not pay something, they will.”

Jarrett M.
Read the full interview (524 words)

I think they're trying to protect their interests and their bottom line, and so if they see angles to where, you know, they can not pay something, they will, and this allows us the opportunity to get the maximization of the policy. Actually, I can't say that I did know what you were doing, but the results that we, you know, what we found and what we started seeing, that just gives the confidence that everything was a bit easier. The thing on the claim, yes, I would. If it's a small claim, it may not be feasible and warrant that, but in any large claim within substance, property claims in particular, I would definitely need the public adjustment. Because they understand the language that the insurance company speaks, you know how to interpret it, and again, how to maximize what the policy should be covering, you know, warranting it against what the premium that you pay is. Very happy. Yes. You know, I think each individual, each company has to understand that it could be consequences to, you know, premium adjustments or trying to find another insurance company in the end, but it is a product that we pay for, and when you do pay for it, you do want the coverage that you paid for, so I think, you know, each company, like, we weighed it down, it made sense for us to keep moving forward. We were fortunate in our circumstance that they stayed with us, and we had a premium bump, but still considerably less than what the claim was, and so in the end, it all worked out. It takes a lot of time, but other than that, you know, I think it just, it gets struck out, you know, because there's just a lot of back and forth with the insurance company and procedures, and those are procedures that, you know, a normal, you know, insured wouldn't know, and so that does take some time and just, you know, massaging and maneuvering through the process and, you know, building those relationships with the insurance company and, you know, proving what's damaged, why, what's covered, so I think, you know, the time factor is the biggest issue, but in the final analysis, it's what works. Well, if you'd like to learn about claims and where your money's going and how to maximize, you know, what you're paying for, I think it's a great opportunity to do that. It will educate you. It's, and it's not, unless you have tons of properties, it makes sense to have your own staff that does that. It totally makes sense to me to sub that out to a company like Billboard and use them because that's their professional training, they know what they're doing, they know how to go through the process. Taylor and his team are well educated in what they're doing. They show professionalism all the way, they handle the insurance company very well, their demeanor, how they present themselves, the professionalism, communicate very well with us, communicate with the insurance company. It's a great choice for us and very successful.

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