Success Story
Colorado Hailstorm: $22K to $145K
Uncovering hidden hail damage that adjuster claimed didn't exist
Denver, Colorado
Hail Damage
Trusted by Policyholders Nationwide
The Results
How expert advocacy transformed this claim
Initial Offer
$22,000
Undervalued by insurance
Final Settlement
$145,000
+559% increase
Additional Recovery
+$123K
Resolved in
3 Months
Denver, Colorado
Hail Damage
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Recovery Amount
$145,000
Improvement
+559%
The Story
After a severe hailstorm, the insurance company's adjuster claimed only minor damage requiring repairs. Our experts found extensive damage requiring full roof, siding, and gutter replacement, plus window damage the adjuster missed entirely.
The Challenge
Insurance adjuster performed cursory inspection and severely underestimated the extent of hail damage.
Adjuster spent only 15 minutes on roof inspection
Claimed hail damage was "cosmetic only" despite functional impairment
Completely missed damaged windows and gutters
Ignored damaged siding on multiple sides of home
Undervalued scope by only authorizing spot repairs instead of replacement
Used pricing that was 30% below market rates for materials
Our Strategy
Brought in certified roofing inspectors and hail damage specialists to document the full extent of damage.
1
Expert Inspection
Hired certified roofing contractor and hail damage specialist who spent 4 hours documenting every impact and functional damage.
2
Comprehensive Documentation
Created detailed photo documentation of all hail strikes, functional damage, and proper test squares showing need for replacement.
3
Material Testing
Performed industry-standard hail damage testing on shingles to prove functional impairment, not just cosmetic.
4
Scope Expansion
Documented damage to all building components - roof, siding, gutters, windows, skylights, HVAC units.
5
Re-inspection Demand
Compelled insurance company to send senior adjuster for proper re-inspection with our expert present.
The Outcome
Secured full replacement of all damaged components instead of inadequate patch repairs.
Additional Recovery
+$123K
Beyond initial inadequate offer
Full Replacements
100%
Roof, siding, gutters, windows
Resolution Time
3 Months
From initial denial to settlement
"The insurance adjuster told us we only had minor damage and offered $22,000 for spot repairs. Policy Advocates brought in real experts who found damage everywhere the adjuster looked. We ended up with $145,000 and completely new roof, siding, and gutters. Night and day difference."
Robert & Susan Anderson
Denver Homeowners
Key Takeaways
Insurance adjusters often rush inspections and miss extensive damage
Hail damage requires expert inspection - roofing contractors know what to look for
Functional impairment is different from cosmetic damage and requires replacement
All building components can be damaged by hail - roof, siding, gutters, windows, HVAC
Spot repairs are often inadequate - fight for full replacement when warranted
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