Insurance Claim Success Story
Church Mutual Claim Case Study – Repair to Full Roof Replacement
The Situation
A local church property sustained significant damage following a severe wind event, including:
High wind uplift damage across multiple slopes
Tree limb impact to the roofing system
Missing shingles exposing vulnerable areas
Gutters were dented
Due to active exposure, an emergency tarp was required to prevent further interior damage
Initial Insurance Decision
After the initial inspection, the insurance company approved:
💰 $15,382.43 in Repairs
The scope was limited to partial repairs, despite widespread damage across the roofing system.
Protecht Exteriors Investigation
Full photo Damage Report
Protecht Exteriors conducted a comprehensive evaluation to determine the true condition and repair feasibility of the roof.
Installed emergency tarp to stabilize the structure
Completed a full property damage assessment
Documented every elevation and slope
Produced a 1,115-photo damage report
Captured video documentation of shingle condition
Identified inconsistencies in repair scope vs. actual damage
Material Testing & Repairability Analysis
To validate whether repairs were possible:
Shingle Testing
Sent existing shingle for lab testing
A “match” was identified
Repairability Assessment
Even with a matching shingle:
Replacement shingles did not integrate properly
Surrounding shingles were brittle and compromised
Repairs would damage adjacent areas
System integrity would be compromised
📌 Conclusion: The roof was NOT repairable
All findings were documented with:
Photos
Video evidence
Detailed written assessment
Satellite Measurements and Weather Reports
Exact measurements and Confirmed weather reports help to prove the claims and the amount needed for repair.
Proved the amount of shingles needed
Proves the amount flashings edgings etc.
Weather report proves the damages are from this event
Damaging weather was present at the day and time claimed
Evidence Submitted To Insurance
A 1115 Photo Report showing additional Damaged Shingles on Multiple Slopes
Shingle Verified in production and looks similar
Weather Report Ordered to verify Storm was present
Satellite Measurements for Roof to ensure scope is accurate
Repairability assessment photo reported and video documented
What happened after we submitted the information ?
Final Outcome
✅ Full Roof Replacement Approved: $275,966.79
Repair scope overturned
Full roofing system replacement covered
Church property fully restored to proper condition
Key Takeaway
This case proves:
This case proves:
A “matching shingle” does NOT equal a repairable roof.
Without proper testing and a professional repairability assessment, this claim would have remained a limited repair — leaving the property at risk.
Why This Matters (Especially for Commercial Properties)
Large structures like churches require:
System-wide integrity
Consistent material performance
Code-compliant restoration
Partial repairs can lead to:
Ongoing leaks
Structural deterioration
Repeated claims
The Protecht Difference
Protecht Exteriors doesn’t stop at surface-level approvals We:
Validate material compatibility
Prove repairability (or lack of it)
Document everything with undeniable evidence
Push claims to proper resolution
👉 With the right process, claims can go from REPAIR to full Replacement
Think Your Roof Claim Was Unfairly Denied ?
Schedule a professional inspection with Protecht Exteriors.
Where Technology and Construction meet
Quick Links
Home
Services