Success Story
Connecticut Wind-Damaged Roof: $34K to $118K
Roof claim where the insurer approved minor repairs but missed full roof replacement, interior water damage, and code upgrades.
Hartford, Connecticut
Roof Damage
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Trusted by Policyholders Nationwide
The Results
How expert advocacy transformed this claim
Without Advocacy
$34,000
Undervalued by insurance
Final Settlement
$118,000
+247% increase
Additional Recovery
+$84K
Resolved in
4 Months
Hartford, Connecticut
Fire Damage
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Recovery Amount
$118,000
Improvement
+247%
The Story
After a severe windstorm, the homeowner noticed missing shingles, lifted roof sections, ceiling stains, and water intrusion in several rooms. The insurance company inspected the property and issued a small repair estimate, claiming the roof could be patched.A closer review showed widespread wind damage across multiple roof slopes, damaged flashing, compromised underlayment, interior drywall staining, insulation damage, and code-related replacement requirements. After a full documentation package and negotiation, the claim increased from $34,000 to $118,000.
The Challenge
The insurer treated a widespread roof loss as a small patch repair.
Approved only limited shingle replacement
Ignored lifted and creased shingles across multiple slopes
Excluded damaged flashing and underlayment
Undervalued ceiling, drywall, insulation, and paint repairs
Failed to include code-required roof system upgrades
Did not account for matching issues across the roof surface
Our Strategy
We performed a slope-by-slope roof inspection, documented storm-related damage, and challenged the insurer’s repair-only estimate.
1
Roof Damage Inspection
Documented missing, lifted, creased, and wind-damaged shingles across the roof system.
2
Interior Damage Review
Connected ceiling stains, drywall damage, and insulation issues to the roof leak caused by the storm.
3
Code & Matching Analysis
Reviewed local repair requirements, roof system compatibility, and whether partial repairs would restore the property properly.
4
Contractor Estimate Comparison
Prepared a complete repair and replacement estimate using current labor and material pricing.
5
Claim Negotiation
Presented photos, reports, repair scope, and policy support to push for a complete roof and interior settlement.
The Outcome
Secured a settlement that allowed the homeowner to replace the damaged roof system and restore the affected interior rooms.
Additional Recovery
+$84K
Beyond initial offer
Roof Replacement
$76K
Full roof system approved
Interior Repairs
$29K
Drywall, insulation, paint, and ceiling repairs
“The insurance company said our roof only needed a few repairs, but every contractor we spoke with disagreed. Policy Advocates documented the damage properly and helped us get the settlement needed to replace the roof the right way.”
Daniel Morris
Hartford Homeowner
Key Takeaways
Wind damage can affect more than just missing shingles
Lifted or creased shingles may require broader replacement
Interior water damage should be included when caused by roof failure
Roof matching and code requirements can significantly affect claim value
A repair-only estimate may not restore the property to pre-loss condition
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