Insurance Claim Success Story
Allstate Claim – Denial to Approval Through Appraisal
The Situation
Following a severe ice storm, a homeowner experienced significant property damage when a tree limb fell onto their home. The impact caused:
Structural damage to the roof
Compromised roof decking
Interior damage from water intrusion
Despite the clear cause of loss, the insurance company initially denied the claim entirely.
Initial Insurance Decision
After further communication and a reinspection, the insurance company revised their position:
$2,766.02 approved after reinspection
Later increased to $5,027.67
However, both approvals still failed to account for the true scope of damage, leaving the homeowner significantly underpaid.
Protecht Exteriors Investigation
Full photo Damage Report
We Built an in depth damage report to explain the damages
Documented all roof elevations
Showed damage to the decking
Missing shingles
Interior damages
Tree impact points
Engineer Report
We coordinated with an independent engineering firm.
To asses the damage caused by the tree:
✅ Storm-related damage to the home
✅ Structural impact from Tree
✅ Structural intergrity of the home
The home passed all the structural integrity testing and was deemed safe.
Satellite Measurements
Professional satellite measurements were ordered to determine exact square footage and linear footage for the roof , so the estimate information we provided to the insurance company was 100% correct.
Appraisal Process
The homeowner exercised their contractual right to appraisal.
A licensed appraiser represented the homeowner
The insurance company assigned their own appraiser
Both parties evaluated the full scope of damage
They come to an agreement on the scope of damages
The proper price to restore the property
If the appraiser cant agree an umpire is assigned
two signatures make the appraisal valid
Evidence Submitted To Insurance
A Photo report showing additional Damaged Shingles on Multiple Slopes
Damages documented to decking and interior
Engineer Report for Roofs Structural Intergrity
Satellite Measurements for Roof and Siding
Claim was taken to Appraisal to ensure Proper Coverages
What happened after we submitted the information ?
Final Outcome
After the appraisal process and engineering validation:
✅ Final Settlement: $21,984.35
Full roof damage accounted for
Interior damages included
Structural concerns properly addressed
Why This Matters for Homeowners
If your claim is:
Denied
Underpaid
Or only partially approved
There are still options.
With the right approach, documentation, and representation, outcomes can change dramatically.
The Protecht Difference
Identifying overlooked damage
Building evidence-backed claims
Navigating complex insurance processes
Maximizing claim outcomes for homeowners
👉 With the right process, claims can go from DENIAL to full Replacement
Think Your Roof Claim Was Unfairly Denied ?
Schedule a professional inspection with Protecht Exteriors.
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