Make It Happen Roofing

Insurance Claim with Make It Happen Adjusters Siding and Roof

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Introduction

Insurance claims can be a daunting experience for homeowners. This is the story of a homeowner who faced significant challenges after a hailstorm damaged her property. Fortunately, they enlisted the expertise of Make It Happen Public Adjusters, who played a crucial role in advocating for her and securing a fair claim settlement.

Claim History

Public Claim Insurance Adjuster
  • Date of Loss: April, 2023
  • Date of Contract with Make It Happen Adjusters: August 1, 2023
  • Location: 224 Comstock St, Joliet, IL
  • Policy Number: Replacement Cost
  • Public Adjuster Assigned: Eddy Garcia, Make It Happen Adjusters.
  • Initial Claim Estimate: $11,356.44
  • Final Settlement: $133,734.53
  • Claim Increase: 1,078%.

The property at 224 Comstock St, Joliet, IL, sustained hail damage during a severe storm. Recognizing the complexity of the insurance claim process, The homeowner signed an agreement with Make It Happen Adjusters to handle her claim. In August 2023, Eddy Garcia from Make It Happen Adjusters submitted the official notice of loss and the necessary documentation to the Insurer.

First Estimate

  • Initial Estimate by The Insurer: $11,356.44

The Insurer’s initial estimate for the repair was $11,356.44. This estimate, however, did not account for overhead and profit (O&P), ordinance, or Law coverage.

Follow-Up and Adjustments

Through persistent follow-ups and detailed documentation, Make It Happen Adjusters highlighted several critical points that the Insurer had missed:

  1. Overhead & Profit (O&P): This was justified due to multiple trades being involved.
  2. Material Misclassification: Corrected the elevation siding classification from vinyl to aluminum.
  3. Building Code Compliance: Ensured the estimates included costs to meet local building codes.

Revised Estimates and Final Settlement

  • Revised Estimate by the Insurer: $20,707.58
  • Final Settlement: $133,734.53

Make It Happen Adjusters successfully increased the claim amount from the initial estimate to a final settlement of $133,734.53. This represents an increase of 1,078%. This increase underscores the importance of meticulous claim handling and expert negotiation.

Make It Happen Adjusters’ Strategy

Insurance claim adjuster colleting information
  1. Detailed Inspection and Documentation:
    • Comprehensive initial inspection to capture all damages.
    • Collect evidence, including photographs and weather reports.
  2. Persistent Communication:
    • Regular follow-ups with the Insurer to ensure timely responses.
    • Detailed explanations of why certain items and costs should be included in the claim.
  3. Code Compliance and Material Verification:
    • Verification of building materials to correct misclassifications.
    • Ensuring all repairs meet local building codes and standards.
  4. Inclusion of O&P:
    • Justifying the inclusion of overhead and profit due to the involvement of multiple trades.

Conclusion

The insured journey through the insurance claim process illustrates the vital role that public adjusters play in advocating for homeowners. Make It Happen Adjusters’ expertise and persistent efforts significantly increased the claim amount, ensuring that all necessary repairs were covered.

Summary of Repairs

  • Roof: Replacement of the entire roof to meet current standards.
  • Siding: Correct classification and total replacement of aluminum siding, including gutters, soffit, fascia, and window flashing.

Key Takeaways for Public Adjusters

  1. Thorough Documentation: Always document all damages comprehensively.
  2. Understand and Justify O&P: Ensure the inclusion of overhead and profit for multi-trade jobs.
  3. Code Compliance: Verify and include costs to meet local building codes.
  4. Persistent Follow-Ups: Regularly communicate with insurance companies to expedite claim processing.

Final Thoughts

Insurance companies often aim to minimize payouts. However, with the right approach and expertise, public adjusters like Make It Happen Adjusters can secure fair settlements that cover homeowner’s needs. This case study is a valuable lesson for other public adjusters and highlights the importance of thoroughness and persistence in the claim process.

For more insights and success stories, visit Make It Happen Adjusters.