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Final Settlement: $23,000.00
Initial Incident
After a severe windstorm accompanied by hail, our client’s roof sustained damage significant enough to cause water intrusion into the home. As a result, two interior rooms were also affected by water damage.
The homeowner filed a claim, expecting their insurance carrier to step in and provide the necessary coverage.
The Insurance Company’s Response
The insurance company acknowledged the damage and wrote for coverage—but ultimately determined that the claim fell under the homeowner’s deductible. The payout was:
- $0.00
- Despite clear damage to the roofing system
- Despite interior water damage affecting living spaces
The insurer’s position was that the loss didn’t meet the threshold for payment, effectively closing the claim without offering any support to the homeowner.
How We Helped
Our team took over and reassessed the damage. It was immediately clear that the insurance company had drastically underestimated the scope and cost of the loss. We stepped in and:
- Reinspected the property and documented all wind and hail-related damage
- Prepared a comprehensive, line-by-line estimate
- Negotiated directly with the carrier
- Secured a settlement agreement and release
The Final Result
We were able to negotiate a final settlement of $23,000.00.
That’s $23,000 more than the carrier’s original payout—and enough for the homeowner to restore both the roof and interior spaces to pre-loss condition.
Conclusion
Insurance carriers don’t always get it right, and in this case, they were off by $23,000. Without expert representation, this homeowner would have received nothing. With our help, they received the funds they needed to rebuild.
Initial Offer: $0.00 (Under Deductible)
Final Settlement: $23,000.00
This is just one more example of why it pays to have someone fighting on your side.
