Success Story
North Dakota Hail-Damaged Roof: $39K to $142K
Hail claim where the insurer approved minor roof repairs but missed full roof replacement, gutters, siding, and interior water damage.
Fargo, North Dakota
Hail Damage
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Trusted by Policyholders Nationwide
The Results
How expert advocacy transformed this claim
Initial Offer
$39,000
Undervalued by insurance
Final Settlement
$142,000
+264% increase
Additional Recovery
+$103K
Resolved in
5 Months
Fargo, North Dakota
Hail Damage
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Recovery Amount
$142,000
Improvement
+264%
The Story
A severe hailstorm struck the property, leaving visible impact marks across the roof, gutters, downspouts, siding, and window screens. The homeowner filed a claim, but the insurance company issued a small estimate for spot repairs and claimed most of the damage was cosmetic.After a full inspection, we documented widespread hail impacts across multiple roof slopes, bruised shingles, damaged soft metals, dented gutters, cracked siding, and water intrusion inside the home. With a corrected repair scope and detailed claim package, the settlement increased from $39,000 to $142,000.
The Challenge
The insurer treated widespread hail damage as isolated cosmetic damage.
Approved only limited shingle repairs
Ignored bruised shingles across multiple slopes
Excluded damaged gutters, downspouts, and soft metals
Undervalued siding and window screen damage
Missed interior ceiling stains caused by roof leaks
Failed to include matching and code-related items
Our Strategy
We documented the full storm impact across the entire exterior and connected the roof damage to the interior water intrusion.
1
Roof Inspection
Identified hail bruising, granule loss, fractured shingles, and impact marks across multiple roof slopes.
2
Exterior Damage Review
Documented gutters, downspouts, vents, siding, fascia, trim, and window screens damaged by hail impact.
3
Interior Leak Assessment
Traced water stains and ceiling damage back to compromised roof areas caused by the storm.
4
Repair Scope Rebuild
Prepared a corrected estimate for roof replacement, exterior repairs, interior restoration, and matching issues.
5
Claim Negotiation
Presented photos, storm documentation, contractor pricing, and policy arguments to support a full settlement.
The Outcome
Secured a settlement that allowed the homeowner to replace the damaged roof, repair the exterior, and restore the affected interior areas.
Additional Recovery
+$103K
Beyond initial offer
Roof Replacement
$89K
Full roof system approved
Exterior Repairs
$34K
Gutters, siding, screens, vents, and trim
“The first offer only covered a few roof repairs, but the hail hit the entire house. Policy Advocates documented everything the adjuster missed and helped us get the settlement corrected.”
Mark Ellison
Fargo Homeowner
Key Takeaways
Hail damage is often more widespread than the first estimate shows
Bruised shingles and granule loss may justify full roof replacement
Gutters, vents, siding, and screens should be inspected carefully
Interior water damage should be included when tied to roof failure
Matching issues can significantly affect the final claim value
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