Success Story
Nevada Tile Roof Damage: $41K to $149K
Tile roof claim where the insurer missed broken tiles, damaged underlayment, flashing issues, and interior water damage.
Las Vegas, Nevada
Roof Damage
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Trusted by Policyholders Nationwide
The Results
How expert advocacy transformed this claim
Initial Offer
$41,000
Undervalued by insurance
Final Settlement
$149,000
+263% increase
Additional Recovery
+$108K
Resolved in
6 Months
Las Vegas, Nevada
Roof Damage
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Recovery Amount
$149,000
Improvement
+263%
The Story
After a severe storm, the homeowner discovered broken roof tiles, displaced ridge caps, and water staining inside the home. The insurer approved a limited tile repair and claimed the remaining damage was cosmetic.Our inspection found that the damage went beyond the visible tiles. The underlayment had been compromised, flashing needed replacement, and water had entered through several roof sections. The claim was rebuilt to include proper tile removal and reset, underlayment repair, interior restoration, and related code items. The final settlement reached $149,000.
The Challenge
The insurance company focused only on visible tile damage and missed the roof system beneath it.
Approved only spot replacement of broken tiles
Ignored damaged underlayment below the tile surface
Excluded flashing, ridge, and penetration repairs
Failed to account for tile removal and reset costs
Undervalued ceiling and wall water damage
Did not address matching and availability of existing tile
Our Strategy
We showed that the tile roof could not be restored properly with a small surface-level repair.
1
Tile Roof Assessment
Documented broken, slipped, displaced, and impact-affected tiles across the roof.
2
Underlayment Review
Identified compromised underlayment and leak-prone areas beneath the visible tile surface.
3
Repair Method Analysis
Prepared a proper scope for tile removal, reset, replacement, flashing, and waterproofing repairs.
4
Interior Damage Documentation
Connected ceiling stains, wall damage, and moisture intrusion to the damaged roof areas.
5
Claim Negotiation
Presented the insurer with a complete tile roof repair scope supported by photos, contractor estimates, and coverage arguments.
The Outcome
Recovered enough to repair the tile roof correctly, address the underlayment, and restore the affected interior spaces.
Additional Recovery
+$108K
Beyond initial offer
Tile Roof Scope
$101K
Tile, underlayment, flashing, and reset work
Interior Repairs
$32K
Ceiling, drywall, paint, and moisture damage
“They only wanted to pay for a few broken tiles, but the leaks kept getting worse. Policy Advocates helped show that the problem was underneath the tile too, and the final settlement finally made sense.”
Robert Ellison
Las Vegas Homeowner
Key Takeaways
Tile roof damage often involves underlayment, not just visible tiles
Spot repairs may not solve the source of water intrusion
Tile removal and reset can be a major part of the repair cost
Matching issues matter when older tile is discontinued or unavailable
Interior water damage should be included when tied to roof failure
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