Success Story
Indiana Roof Leak Claim: $28K to $102K
Roof leak claim where the insurer blamed wear and tear instead of covered storm damage.
Indianapolis, Indiana
Roof Damage
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Trusted by Policyholders Nationwide
The Results
How expert advocacy transformed this claim
Without Advocacy
$28,000
Undervalued by insurance
Final Settlement
$102,000
+264% increase
Additional Recovery
+$74K
Resolved in
5 Months
Indianapolis, Indiana
Roof Damage
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Recovery Amount
$102,000
Improvement
+264%
The Story
A Texas homeowner discovered active roof leaks after a strong storm brought heavy rain and high winds through the area. Water entered through the roof, damaging ceilings, attic insulation, flooring, and several interior walls.The insurer initially blamed the damage on age and maintenance issues, offering only $28,000 for limited roof repairs and minor interior painting. Our review found storm-created openings, damaged roof components, and water intrusion directly tied to the covered event. The final settlement reached $102,000.
The Challenge
The insurance company tried to minimize the claim by calling the damage old, cosmetic, or maintenance-related.
Denied several roof slopes as wear and tear
Ignored storm-created openings near vents and flashing
Excluded attic insulation and moisture-related damage
Undervalued interior ceiling and wall repairs
Refused to include proper drying and mitigation
Applied excessive depreciation to roofing materials
Our Strategy
We separated storm damage from pre-existing conditions and built a clear connection between the weather event and the resulting interior loss.
1
Storm Damage Documentation
Inspected shingles, vents, flashing, roof penetrations, and leak paths to identify storm-created openings.
2
Moisture Mapping
Documented water movement from the roof into attic insulation, ceilings, walls, and flooring.
3
Causation Support
Prepared a clear explanation showing how the covered storm event caused the roof failure and interior damage.
4
Estimate Revision
Rebuilt the estimate to include roof repairs, mitigation, drying, insulation, drywall, paint, and finish work.
5
Coverage Negotiation
Challenged the insurer’s wear-and-tear position with photos, contractor input, and policy-based arguments.
The Outcome
Secured a settlement that allowed the homeowner to replace the damaged roof system and restore the affected interior rooms.
Additional Recovery
+$74K
Beyond initial offer
Roof Repairs
$53K
Storm-related roof scope approved
Interior Restoration
$36K
Ceilings, walls, insulation, and paint
“They kept telling us the roof was just old, but the leaks started right after the storm. Policy Advocates helped prove what actually happened and got the claim reopened and corrected.”
Maria Alvarez
Indianapolis Homeowner
Key Takeaways
Insurers may label roof damage as wear and tear even after a storm
Leak paths should be documented from the roof to the interior
Attic insulation and moisture damage are often overlooked
Proper mitigation can prevent further damage and mold concerns
A denied or underpaid roof claim can often be challenged with better documentation
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