When Lupe, a homeowner insured by Allstate, called me, she was at her breaking point. A severe wind and hailstorm had torn through her property, leaving visible roof and interior damage. She filed a claim expecting fair treatment — but Allstate offered her just $1,136.05. That amount wasn’t even close to covering basic repairs, let alone restoring her home.
At first, Lupe turned to Independence Claim for help, but the process stalled. Her claim sat unresolved, with no real progress. That’s when she contacted us at SPJ Adjusting, asking for appraisal services to finally move things forward.
Our Approach
Once we stepped in, we:
- Filed the appraisal demand to push the claim back into motion.
- Conducted a detailed inspection of the roof and storm-related damage.
- Documented hail strikes, wind uplift, and water intrusion that Allstate’s inspection had ignored.
- Built a strong case with repair estimates and code compliance requirements.
The Result
Through the appraisal process, we proved the true extent of the storm damage. Instead of Allstate’s lowball $1,136.05, we secured a final settlement of $16,240.79 — more than 14 times the original offer.
And the best part? We closed the claim in just two months.
Why It Matters
Lupe’s story is a reminder that insurance companies don’t always play fair — but policyholders have options. The appraisal process gave her a path to justice, and with SPJ Adjusting on her side, she received the funds needed to restore her home properly.
At SPJ Adjusting, we fight for homeowners when insurers fall short. We don’t settle for “just enough.” We work until the claim is resolved fairly.
