Insurance Claim Success Story
HIPPO Insurance Claim Reversal , From a Denial to a Full Replaceemnt
The Situation
A few months after a hail storm we helped a homeowner file a claim
During the initial inspection:
We met with a SEEK NOW inspector on-site
Reviewed all visible damage together
The adjuster documented te damage with photos
However…
👉 The adjuster stated the final decision would be made by a desk adjuster
Initial Insurance Decision
After the inspection:
The original field adjuster left the company
A desk adjuster reviewed photos only
The claim was DENIED
Reason given:
Damage could not be confirmed from photos alone
No sufficient evidence of storm-related damage.
We sent them an email saying we disagree with their findings and sent supporting Documentation and videos.
Protecht Exteriors Investigation
Full photo Damage Report
A full 97 page photo damage report documented-damages to shingles and roof soft metals. The photos demonstrated their was significant damage to the roof, trim and gutters. The hail impacts in the report were consistent with what was reported in the weather report.
Storm Damage Documentation
We ordered a storm report . The report verified a significant storm with substantial hail and wind affected the property on the date we filed.
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.
Evidence Submitted To Insurance
Damaged Shingles documented on Multiple Slopes
Additional Trim and Gutter Damages on Multiple Slopes
Storm report order to prove a significant storm affected the home
Satellite Measurements for Roof
Correct Scope of Repairs Submitted to the Insurance Company
What happened after we submitted the information ?
FULL REPLACEMENT APPROVAL !
Email from Adjuster saying they are approving the scope of repairs
Adjusters revised estimate $28,075.88 before supplements
What This Case Proves
This case highlights a major reality in insurance claims:
Photos alone don’t tell the full story — but proper documentation does.
Most homeowners would have:
Accepted the denial
Paid out of pocket
Or walked away from the claim
Instead, with the right process:
👉 The claim was successfully overturned
Key Take away for Homeowners
Insurance companies don’t always get it right the first time
A denial does not mean the fight is Over
Proper documentation can completely change the outcome
Having a Professional in your corner is a game changer !
Think Your Roof Claim Was Unfairly Denied ?
Schedule a professional inspection with Protecht Exteriors.
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