Insurance Claim Success Story
AAA 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 the field adjuster 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, Damage in the provided photos was determined to be " wear and tear"
Protecht Exteriors Investigation
Full photo Damage Report
A full 77 page photo damage report documented-damages to shingles and roof soft metals. The photos demonstrated their was significant damage to the roof and the hail impacts were consistent with what was reported in the weather report.
Storm Damage Documentation
We ordered a storm report from the insurance companies preferred vendor " Benchmark". 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
Additional Damaged Shingles on Multiple Slopes
Additional Siding Damages on Multiple Slopes
Siding Determined un repairable
Satellite Measurements for Roof and Siding
Correct Scope of Repairs Submitted to the Insurance Company
What happened after we submitted the information ?
FULL REPLACEMENT APPROVAL !
Email from Adjuster saying they " revised " the estimate. Adjuster speak for we approved your findings
Adjusters revised estimate $15,386.24 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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