Real Claims. Real Results.

Anthony's roof sustained wind and hail damage that allowed water to penetrate the structure. The carrier's initial scope significantly undervalued the extent of the damage. Timothy Schad documented every affected area and submitted a comprehensive estimate that captured the full replacement cost — resulting in a settlement nearly $11,000 higher than the carrier's opening offer.

Capitol secured a final replacement cost value of $33,396 — with an additional $7,280 in recoverable depreciation still available to Anthony once repairs are completed.

Maria experienced significant interior water damage from an accidental discharge. With no deductible on her policy, every dollar of the settlement went directly toward her recovery. Timothy Schad's thorough scope identified damage the carrier's adjuster had missed or undervalued, pushing the replacement cost value nearly $14,000 above the initial offer.

Capitol secured a final replacement cost value of $44,261 with $6,996 in recoverable depreciation — and because Maria's deductible was zero, the full net payment went directly to her.

Donna's home suffered extensive fire damage. The carrier's initial scope fell well short of what was needed to fully restore the property. Timothy Schad conducted a room-by-room inspection and built a detailed Xactimate estimate that captured structural, mechanical, and finish work the carrier had omitted or underpriced. The result was a settlement more than $56,000 above the carrier's opening position.

Capitol secured a final replacement cost value of $205,587 — with $54,571 in recoverable depreciation available once Donna's repairs are completed and documented.

Lorraine's home suffered significant fire damage. The carrier's initial scope fell well short of what a full restoration would require. Stephen Chairmonte conducted a thorough room-by-room inspection and built a comprehensive estimate that captured structural, mechanical, and finish work the carrier had undervalued or omitted entirely — pushing the replacement cost value nearly $39,000 above the carrier's opening position.

Capitol secured a final replacement cost value of $119,617 — with $20,230 in recoverable depreciation still available to Lorraine once repairs are completed and documented.

Nieves's property sustained smoke damage that the carrier's initial scope significantly undervalued. Joseph Bolanos and Timothy Schad documented the full extent of smoke penetration — including affected surfaces, contents, and odor remediation requirements the carrier had not accounted for. Their combined scope pushed the replacement cost value nearly $7,000 above the carrier's opening position.

Capitol secured a final replacement cost value of $22,682 — with an additional $1,216 in recoverable depreciation available to Nieves once repairs are completed.

Karl's fire claim came with an added layer of complexity: his policy was force-placed by his mortgage company, making the lender — not Karl — the first named insured. Force-placed policies are notoriously difficult to settle because the mortgage company controls the claim process and payouts flow through them first, leaving the homeowner with little direct leverage. Timothy Schad navigated that structure, documented the full scope of fire damage across the exterior, interior, and front yard, and secured a replacement cost value nearly $7,700 above the carrier's opening position.

Capitol secured a final replacement cost value of $25,543 on a force-placed policy — with $2,970 in recoverable depreciation still available to Karl once repairs are completed and documented.

Elissa's fire claim became a three-stage fight. The carrier's opening position of $53,885 fell well short of what a full restoration would require. Timothy Schad challenged the scope and pushed the carrier to $69,272 — but the gap between that figure and the true replacement cost remained significant. With the parties unable to reach agreement, the claim proceeded to the appraisal process, where an independent umpire will determine the final award.

Capitol fought the carrier from $53,885 to $69,272 before invoking the appraisal clause. The final appraisal award is pending.

Gail's interior water damage claim was initially scoped at a figure that would not have covered the full cost of repairs. George Carroll reviewed the carrier's estimate, identified the gaps, and submitted a supplemental scope that brought the replacement cost value to $5,818 — a meaningful increase on a claim where every dollar counts.

Capitol secured a net payment of $4,701 after Gail's $500 deductible, with an additional $616 in recoverable depreciation available once repairs are complete.

Marie's Croydon home sustained significant fire damage in October 2025. Timothy Schad conducted a thorough inspection and built a comprehensive Xactimate estimate capturing the full scope of structural, mechanical, and finish work required to restore the property — resulting in a verified replacement cost value of $132,896.

Capitol secured a final replacement cost value of $132,896.73 — with $29,793.87 in recoverable depreciation still available to Marie once repairs are completed and documented.