A violent windstorm caused extensive roof and exterior damage to Mr. David’s home in Crown Point, Indiana. Unfortunately, the carrier’s initial inspection and offer came back at a mere $1,858.42, the amount which by no means reflected the real loss.
The following critical repair items were overlooked:
- Widespread shingle damage, requiring entirely new shingles rather than simply partial patching.
- Hidden water intrusion caused by lifted shingles
- Code improvements to safely restore to code compliance
- Other elevations that took damage not in the original estimate
Mr. David, believing that this settlement would grossly fall short of restoring his home, sought the help of SPJ Adjusting.
Our team reinspected everything through forensic-level inspections, photo documentation, and utilizing industry-approved estimating tools. We presented a very clear and concise case for appraisal in which each legitimate line item was recognized.
In challenging that incomplete scope and advocating for the fair valuation, the end result was far improved, via the appraisal process:
Final Award Amount: $31,383.47
The outcome finally allowed the homeowner to progress with repairs, eliminating a lot of stress and uncertainty while making sure the property would be returned to its pre-loss condition.
SPJ Adjusting continues to be dedicated to accuracy, fairness, and the insured’s right to a truly full recovery.
