Our Results Speak for Themselves!
We recently ran the numbers on our closed claims, and the results were eye-opening. On projects that started with an insurance company’s initial estimate, our involvement increased approved coverage by over 750% on average.
When we factored in claims that began as full denials, that average jumped to an incredible three-quarters of a million percent increase in coverage.
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The reason is simple — when we’re involved, the claim gets handled correctly. We verify damages, document everything thoroughly, and negotiate based on real construction costs, not shortcuts.
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And while it’s impossible to put a number on the increase for claims we’ve handled from the very beginning, those cases consistently produce the best outcomes. Early involvement lets us control the narrative, build the claim properly, and make sure the insurance company understands they’re dealing with a professional who knows exactly what to look for and how to get it approved.
Kathy – From Full Denial to Full Approval
Kathy reached out to us shortly after her initial inspection. She had never heard of a public adjuster before, but after receiving a full denial on her wind damage claim, her contractor recommended she give us a call.
Straight-line winds had come through her wooded property, sending branches into the side of her home and roof. The impact left visible holes, cracks, and leaks. During the insurance inspection, in conversation Kathy mentioned an unrelated event from years ago. The adjuster used that comment to justify denying the claim, labeling all damage as pre-existing.
Once we got involved, we conducted a full inspection, reviewed the denial, and documented every area of actual storm-related damage. We then met a new adjuster at the property, walked the loss together, and presented our findings. This time, the results spoke for themselves.
Kathy’s claim went from a full denial — $0 — to a $102,396.11 approval covering her roof, siding, and interior repairs.
Brian’s - From Underpaid to Fully Restored
After a windstorm caused damage to his roof and siding, Brian’s insurance company initially offered $24,421.56 to cover partial roof repairs, a few pieces of siding, and minor interior work. The estimate didn’t sit right with him—it felt incomplete—so he started looking for help and found us.
Once we got involved, we reviewed the claim in full, collected material samples, and performed a detailed inspection. Using moisture meters, we identified widespread water intrusion that extended through the second and third floors—well beyond what the insurance company had accounted for. They had also misidentified the interior as drywall when it was actually plaster and missed several affected rooms.
On the exterior, we determined that both the roofing and siding were discontinued and could not be properly repaired with available materials. We presented our findings, backed by documentation and product verification, and pushed for a complete restoration.
After several rounds of negotiation, the insurance company agreed. Brian’s claim increased from $24,421.56 to $135,608.67, covering a full roof replacement, full siding replacement, and all proper interior repairs.
John - A Car Through the Living Room
When an accident occurred on the road outside John’s home, an elderly driver accidentally hit the gas instead of the brake sending the car through his yard and into his living room. The impact caused major damage to a large picture window, an exterior wall, and scattered contents throughout the house.
The insurance company’s initial inspection resulted in only $12,000 of coverage. When John began reaching out to contractors, he quickly learned that the replacement window alone would cost nearly that much. One of the contractors suggested he contact us for help.
After reviewing the claim, we inspected the property and found several issues that had been overlooked. The impact had cracked the shower tiles in a recently remodeled bathroom, and the home’s continuous flooring—now discontinued—required full replacement. We also confirmed that the siding was discontinued and that the home contained lead-based paint, which required proper remediation. Additionally, we documented and inventoried the damaged contents.
Following several rounds of communication, additional inspections, and an engineer review, the insurance company ultimately agreed with our findings. The final settlement covered reconstruction of the front wall, replacement of the siding and bathroom shower, new flooring throughout, full painting, and the large front window.
John’s claim increased from $12,000 to $75,000, including his damaged personal property.
Ken – From Partial Repairs to a Full Restoration
After a hailstorm caused extensive damage to Ken’s roof, siding, and windows, the insurance company’s initial estimate came back at $35,000. The adjuster approved only a partial roof replacement and limited repairs to the siding and windows.
Frustrated after months of back-and-forth with his contractor, Ken reached out to us for help.
Upon reviewing the file, we identified several major issues. The roof and siding materials were discontinued, meaning partial repairs would leave visible mismatches and void product warranties. The manufacturer of the home’s windows also confirmed that the repairs proposed by the insurance company were not permitted under their guidelines.
We presented our findings, along with manufacturer documentation, and pushed for the proper scope of work. After multiple inspections, negotiations, and supplemental filings, the insurance company agreed to cover full replacement of the roof, siding, and windows.
Ken’s claim increased from $35,000 to over $269,000, allowing his home to be fully restored to its pre-loss condition.
Steve – A Tree Through the Roof
When Steve returned home from a weeklong trip, he found a massive tree lying across his house. The impact had crushed part of the roof, damaged the walls, and allowed water to pour through multiple levels of the home.
The insurance company’s inspection resulted in a payment of just $2,000, plus the cost of tree removal. That barely covered cleanup, let alone repairs. After a contractor reviewed the estimate, he recommended that Steve contact us for help.
When we inspected the property, it became clear that the insurance company had missed extensive structural damage. The home was mid-remodel, with open walls and minimal finishes, which likely made the damage appear less severe to an untrained eye. Our inspection revealed broken rafters, damaged roof decking, and a fractured top wall plate. Water had soaked through the second floor, into the first floor, and down into the basement—causing wet plywood, electrical issues, and drywall damage along the way.
Outside, we documented additional damage to the siding, gutters, fascia, and roof that had been completely overlooked.
After submitting a detailed report and completing a reinspection with a new adjuster, the insurance company ultimately agreed with our findings. The final settlement covered a new roof, structural repairs, drywall replacement, new subflooring on multiple levels, electrical work, and full exterior restoration.
Steve’s claim increased to over $75,000, allowing him to fully repair and finish his home the right way.
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