During a heavy overnight rainstorm in June 2020 a large amount of water gathered on the rear portion of a commercial structure in Tampa, FL. Due to the extreme weight of the water the rear portion of the roof failed causing a severe collapse. This created an opening in the structure which allowed large amounts of water to enter the building. Structural damage was present along with damages to the entire roof system, interior walls, flooring, and finishes. Additionally, a large amount of business personal property had sustained damage. Recognizing the severity of the damage and potential claim issues the client retained, Public Adjuster Scott Luginski. Scott wasted no time to review the policy, assess and discuss coverage with the carrier and quickly obtain a six-figure advance payment for the policyholder. Scott was then able to manage the entire claim (allowing the policyholder to resume daily business activities), meet with the insurance company personnel numerous times (including adjusters, consultants and experts) and pinpoint all damages to provide an accurate scope of work necessary to return the structure to pre-loss conditions. Ultimately, Scott was able to obtain a settlement exceeding $420,000.