When a severe hailstorm struck Raul’s property in Meridian, Idaho, the roof and all protective systems bore the full impact. Destruction from the hail strikes bruised shingle surfaces and weakened the waterproof barriers, which left the home exposed to long-term deterioration if proper repairs were not completed.
However, the first offer Standard Guaranty Insurance Company made was only $23,119.71, which does not reflect an actual repair need or a pre-loss condition. This had Raul worried and at a loss for what to do.
That is when Raul called us here at SPJ Adjusting.
We stepped in with expertise and determination to ensure the damage was fully acknowledged. This, through our appraisal process, we:
- Ablation impact inspection was done on all the affected areas.
- Provided strong, evidence-based documentation for each repair item.
- Enforced code-compliant replacement requirements for protection in the future.
- Navigated the process efficiently to avoid costly delays.
- With the true scope of loss brought forward, the results tipped in Raul’s favor:
Initial Offer by Standard Guaranty: $23,119.71 SPJ Final Settlement:$38,060.47.A huge increase that allowed Raul to properly restore his home without any out-of-pocket expenses. We fought for what Raul deserved, not what was convenient. Thanks to the appraisal advantage and advocacy of SPJ, he regained a secure home and confidence in the insurance process.
