The Miller Group’s claims team leveraged its expertise to contest a claim, resulting in substantial savings for a nonprofit client. Their efforts transformed those savings into 48,000 meals, directly benefiting the community.
A nonprofit, regional food bank prides itself on serving 27 county areas in northwestern Missouri and northeasern Kansas. By distributing food and other household items to more than 900 partner agencies, the nonprofit stays in constant operation, providing more than 52 million meals in a year.
The nonprofit faced a significant setback when a water main break caused extensive damage to not only a major water line but also a portion of their parking lot. Their insurance carrier informed them that while most of the damage was covered under their property policy, the cost of excavating the parking lot to access the water line was not.
For a nonprofit operating within a limited budget, such an out-of-pocket expense quickly became significant.
After the nonprofit’s claim was partially denied, The Miller Group stepped in to provide assistance. The claims team conducted a thorough review of the nonprofit’s insurance policy, drawing on their extensive industry knowledge and experience with similar claims from other clients. The Miller Group team escalated the claim to the appropriate decision makers at the carrier and presented a strong case advocating for why excavation costs should be covered.
As a result, The Miller Group was able to successfully secure full payment for the nonprofit’s parking lot, ensuring they received the support they needed. Without challenging the carrier, this outcome would not have been possible and the nonprofit would have had to cover the costs out-of-pocket.
The nonprofit soon received a check from the insurance company for the disputed amount. By saving these funds, the nonprofit was able to redirect resources and provide 48,000 meals for their community.
