From an insufficient valuation to exceeding €50,000 after a total loss
Real case: from an insufficient assessment to exceeding €50,000 in compensation
Real case of a business affected by a total loss that went from a clearly insufficient assessment to exceeding €50,000 in compensation after a properly handled claim.
After the loss, Alexander found his poultry shop completely destroyed. No electricity, no operational machinery, and no real possibility of reopening in the short term. The business was at a standstill, and each passing day meant additional financial losses.
An initial assessment that made restarting impossible
The insurer’s initial valuation placed the compensation between €13,000 and €15,000.
This amount:
- did not cover the real damage
- did not allow essential equipment to be replaced
- made resuming activity unfeasible
With that figure, starting over was simply not possible.
A thorough technical review of the loss
At MataSeguros, the case was handled in depth.
The work included:
- a detailed analysis of the entire loss
- a line-by-line review of all damage items
- correction of errors in previous reports
- a complete redefinition of the technical strategy
Given the scale of the discrepancies, a third expert assessment was requested to contrast the initial valuation and provide a stronger technical basis.
A demanding technical negotiation process
The first proposal submitted was rejected by the insurer, requiring the claim to be restructured.
The focus then shifted particularly to:
- electrical damage, critical to the business
- structural damage to the premises
- solid technical justification for each item
Each point was supported by well-founded reports and continuous technical negotiation, with multiple rounds of review and adjustment.
The outcome: exceeding €50,000 in compensation
After several rounds of work, revisions, and adjustments, the compensation exceeded €50,000.
An amount far more in line with the damage suffered, allowing a real path forward for the business.
The claim remains open, as some items are still under review.
Conclusion
Cases like this are not just about numbers.
They are about people who have lost everything and need a fair solution to be able to start again. And they show that a low initial assessment does not have to determine the final outcome when a claim is defended with technical expertise, rigor, and persistence.
Has your business suffered a serious loss and the compensation is not enough?
If the insurer’s assessment does not reflect the real damage, a technical review may change the result.