On Avenue K in Lubbock, TX, a powerful hail and windstorm swept over, leaving homeowner Ramirez with numerous areas of damage:
- Shingles fractured and bruised by hail impact
- Wind lifted roofing, causing broken seals and active leaks
- Gutters that are dented no longer drain properly.
- Cracked and loose exterior siding due to wind pressure
Despite this seemingly catastrophic damage from the storm, the initial offer from Aegis General Insurance was the paltry sum of $185.20, an amount wholly insufficient to replace what had been lost.
How SPJ Adjusting Made the Difference
When Ramirez turned to SPJ Adjusting, our appraisal team:
- Conducted a complete on-site roof inspection; photo evidence available.
- Documented hidden moisture intrusion and structural risks.
- Applied industry-standard pricing to adjust insurer’s low estimate.
- Prepared a strong appraisal package to prove the true scope of damage.
- Persisted in negotiations to ensure that nothing was left owing.
This was hands-on work, rather than numbers on paper. Every single repair item included meant real progress toward restoring Ramirez’s home.
The Result:
We took $185.20 and turned it into $13,741.13, the just and fair settlement that finally addressed all the essential repairs.
Why It Matters
Ramirez went from impossible to rebuild to fully capable of recovering. With support from SPJ, every essential repair was identified not minimized.
