Success Story
South Carolina Commercial Roof: $185K to $612K
Commercial flat roof claim involving ponding water, membrane damage, interior leaks, and business interruption concerns.
Columbia, Sorth Carolina
Roof Damage
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Trusted by Policyholders Nationwide
The Results
How expert advocacy transformed this claim
Initial Offer
$185,000
Undervalued by insurance
Final Settlement
$612,000
+231% increase
Additional Recovery
+$427K
Resolved in
8 Months
Columbia, Sorth Carolina
Roof Damage
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Recovery Amount
$612,000
Improvement
+231%
The Story
A commercial property owner filed a claim after a severe storm damaged the building’s flat roof system and caused water to enter several tenant spaces. The insurer acknowledged some damage but issued a limited payment for patching, ceiling tile replacement, and minor interior repairs.The original estimate failed to address membrane damage, saturated insulation, compromised seams, roof drainage issues, tenant buildout damage, and code-compliant replacement requirements. After a complete inspection and claim presentation, the settlement increased from $185,000 to $612,000.
The Challenge
The insurer treated the loss as isolated roof patching instead of a system-wide commercial roof failure.
Limited the claim to small membrane repairs
Ignored saturated roof insulation below the surface
Excluded drainage and ponding-related repair needs
Undervalued tenant interior damage
Failed to include business-related disruption and access issues
Did not account for commercial code and safety requirements
Our Strategy
We documented the roof system as a whole, not just the visible leak points, and supported the claim with contractor pricing and tenant damage evidence.
1
Commercial Roof Inspection
Reviewed the membrane, seams, flashing, insulation, drains, penetrations, and areas affected by ponding water.
2
Moisture & Insulation Review
Documented trapped moisture and saturated materials beneath the roof surface.
3
Tenant Space Documentation
Inspected interior water damage in offices, storage areas, ceiling systems, flooring, and buildouts.
4
Commercial Estimate Development
Prepared a full repair and replacement scope using commercial roofing standards and current market pricing.
5
Settlement Presentation
Submitted a complete package showing roof system failure, interior damage, and the financial impact of delayed repairs.
The Outcome
Secured a settlement that allowed the property owner to restore the roof system, repair tenant spaces, and avoid further water intrusion.
Additional Recovery
+$427K
Beyond initial offer
Roof System Recovery
$438K
Membrane, insulation, flashing, and drainage
Interior Tenant Repairs
$126K
Ceilings, walls, flooring, and buildout repairs
“The first estimate looked like a temporary patch, not a real solution. Policy Advocates understood the commercial roof system and helped us recover enough to fix the building correctly.”
James Whitaker
Commercial Property Owner
Key Takeaways
Commercial roof claims often involve hidden moisture below the surface
Flat roof systems should be evaluated as complete assemblies
Tenant improvements and interior buildouts can add major claim value
Ponding water and drainage issues should not be ignored
Patch repairs may not be enough when the roof system is compromised
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