Many online tools estimate value using broad burn categories. In real Lake Mary cases, the settlement value often turns on details that general calculators can’t measure, such as:
- How the burn happened (hot liquid vs. chemical vs. fire/explosion)
- Whether treatment escalated after the first visit (grafting, infection management, scar therapy)
- Functional effects that show up over time (hand limitations, joint stiffness, work restrictions)
- Non-economic harm linked to visible scarring—an especially common driver of dispute because it’s harder to quantify
Insurers may start with a quick offer that reflects only what they can easily document—like medical bills to date—while downplaying future care or lasting limitations.


