Success Story
New Mexico Hail Damage Claim: $61K to $214K
Large hail claim involving roof replacement, damaged siding, metal roof accessories, fence damage, and detached structure repairs.
Albuquerque, New Mexico
Hail Damage
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Trusted by Policyholders Nationwide
The Results
How expert advocacy transformed this claim
Initial Offer
$61,000
Undervalued by insurance
Final Settlement
$214,000
+251% increase
Additional Recovery
+$153K
Resolved in
7 Months
Albuquerque, New Mexico
Hail Damage
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Recovery Amount
$214,000
Improvement
+251%
The Story
A powerful hailstorm damaged the main home, detached garage, fencing, gutters, siding, and multiple roof accessories. The insurer issued an initial estimate that covered limited roof repairs on the main structure and a small allowance for gutters.The estimate left out major exterior damage, including the detached garage roof, damaged siding elevations, dented roof vents, fence damage, window screen replacement, and full gutter system replacement. After a complete inspection and revised claim submission, the settlement increased from $61,000 to $214,000.
The Challenge
The insurance company failed to include all storm-damaged structures and exterior components.
Excluded damage to the detached garage
Undervalued the main roof replacement scope
Ignored dented vents, caps, flashing, and soft metals
Missed siding, screens, and exterior trim damage
Left out fence and secondary structure repairs
Did not address code, matching, and full restoration requirements
Our Strategy
We expanded the claim review beyond the main roof and documented every storm-damaged structure and exterior component.
1
Main Roof Assessment
Documented hail bruising, impact damage, granule loss, and damaged roof accessories.
2
Detached Structure Review
Inspected the detached garage, fencing, exterior fixtures, and other covered property items.
3
Exterior Component Documentation
Captured damage to gutters, downspouts, siding, screens, trim, vents, and flashing.
4
Estimate Expansion
Added missing line items for detached structures, exterior repairs, matching, code items, and complete replacement scope.
5
Settlement Negotiation
Presented a comprehensive storm package showing the full impact of the hail event across the property.
The Outcome
Recovered enough to replace the damaged roof systems, repair exterior finishes, restore the detached garage, and address all covered storm-related damage.
Additional Recovery
+$153K
Beyond initial offer
Main Roof & Accessories
$119K
Roof replacement, vents, flashing, and soft metals
Detached Garage & Fence
$43K
Secondary structure and exterior property repairs
“The first estimate only covered a small part of the damage. Policy Advocates found issues on the garage, fence, siding, gutters, and roof accessories that the insurance company had missed.”
Thomas Granger
Albuquerque Homeowner
Key Takeaways
Hail claims may include detached structures and exterior property items
Garages, fences, sheds, and secondary structures should be inspected
Soft metals and roof accessories can help prove hail impact
Siding, gutters, screens, and trim can add significant claim value
A full-property damage review often leads to a much stronger settlement
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