Insurance Claim Success Story
State Farm Case Study on claim # 2286-XXXX
How a $793 repair approval turned into a $12,000 roof replacement
The Situation
The homeowner filed a claim after storm damage affected the roof and interior.
During the initial inspection:
State Farm inspected the property
Damage was documented
A scope was created based on limited findings
Initial Insurance Decision
State Farm approved:
💰 $2,368.93 for roof repairs
minor interior repairs
Scope included:
Partial shingle repair
Limited interior work
What was NOT approved:
❌ Full roof replacement
The Problem
The approved repair created multiple issues:
Replacement shingles would affect:
Wall lines
Valleys
Vent tie-ins
Repairs would lead to:
Inconsistent appearance
Improper system integration
Potential future failures
Protecht Exteriors Investigation
Full photo Damage Report
Documented all affected areas
Showed how repairs would impact:
Valleys
Roof transitions
Vent systems
Interior Damage Reassessed
We re-evaluated the interior and found:
Additional wet areas not included in original scope
Damage extended beyond initial adjuster findings
Interior repairs needed to be supplemented
Satellite Roof Measurements
Professional satellite roof measurements were ordered to determine exact roof square footage and linear footage , so the estimate information was 100% correct.
Shingle tested and real world analisis
Pulled a physical shingle sample
Ordered lab testing
Result: Closest match identified
However when we put the sample in place.
New shingles did NOT blend
Color and wear differences were obvious
Repair would leave visible patchwork
Evidence Submitted To Insurance
Additional Wind Damaged Shingles
The Repairs Would Extend Into More Damage
Shingle Submitted for Testing (Shingle manufactured but isn't similar)
Roof satellite Measurements
Interior Inspection Located Additional Damages
Correct Scope of Repairs Submitted to the Insurance Company
What happened after we submitted the information ?
FULL REPLACEMENT APPROVAL !
Email from Adjuster saying they AGREE with US - The roof needs to be REPLACED ( also what we need to supplement )
Adjusters revised estimate before supplements
Why This Case Matters
Insurance inspections are often brief and may miss damage that becomes clear during a detailed contractor inspection.
Protecht Exteriors specializes in documenting storm damage, gathering manufacturer documentation, and presenting technical evidence that ensures homeowners receive the coverage their insurance policy allows.
Think Your Roof Claim Was Underpaid?
Schedule a professional inspection with Protecht Exteriors.
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