Insurance Claim Success Story
State Farm Claim – Repair Scope to Full Roof & A/C Replacement
The Situation
The homeowner experienced a hail and wind storm that caused:
Shingles to blow off the roof
Impact damage across multiple roof areas
A/C unit damage from hail
We met on-site with the original State Farm adjuster to review the damage together.
Initial Insurance Decision
After the inspection, State Farm approved:
💰 $2,672.67 for roof repairs
Scope included:
Limited shingle repairs
Minor roof-related fixes
What was NOT approved:
❌ Full roof replacement
❌ A/C unit replacement
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 AC unit
Missing shingles
Wind damage patterns
Hail impact points
Met With Engineers
We coordinated with an independent engineering firm.
Findings confirmed:
✅ Storm-related damage
✅ Structural impact from wind and hail
✅ Damage beyond simple repair scope
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
Additional Damaged Shingles on Multiple Slopes
Damages documented to the A.C.unit
Roof was Determined un repairable
Tarped the Roof to Prevent Further Damages
Satellite Measurements for Roof and Siding
Correct Scope of Repairs Submitted to the Insurance Company
What happened after we submitted the information ?
The turning point
After reviewing all submitted evidence:
👉 State Farm re-evaluated the claim
The combination of ..
Verified storm damage report
Engineering confirmation of the damages
Accurate measurements and estimating
…made it clear the original repair scope was insufficient
Final Result
✅ Full Roof Replacement Approved
✅ A/C Unit Replacement Approved
💰 Final Claim Value: $23,187.36
What This Case Proves
Initial inspections don’t always capture the full scope of storm damage.
This case shows:
Wind damage can extend beyond visible areas
Hail damage affects more than just the roof
Engineering support can be critical in claim approval
Key Take away for Homeowners
A small repair approval doesn’t mean that’s all that’s needed
Important damage can be missed or underestimated
Proper documentation can increase claim value significantly
👉 With the right process, claims can go from partial repair to full replacement
Think Your Roof Claim Was Unfairly Denied ?
Schedule a professional inspection with Protecht Exteriors.
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