When a powerful windstorm damaged a homeowner’s roof in Berwyn, IL, they did what any responsible homeowner would do—filed an insurance claim. What seemed like a straightforward process quickly turned into a frustrating battle over a denied roofing insurance claim. The insurance company initially denied full roof replacement, offering only a partial repair covering just 67 shingles—less than one square of roofing material.
That’s when Make It Happen Adjusters, Inc. stepped in. Through relentless negotiation, expert documentation, and strategic use of local building codes, our public adjusters secured full coverage for a complete roof replacement, totaling over $15,964.95—a major victory over the initial lowball offer. This was especially important after the denied roofing insurance claim earlier.
Here’s how we made it happen.
The Initial Denial: A Classic Lowball Offer
At first, the insurance company only approved patching a few sections of the roof, paying for:
✅ 0.67 squares of shingles (67 shingles total)
✅ $190.83 for replacement costs
✅ $50.89 deducted in depreciation
For a home that had endured high wind speeds, this was unacceptable. The damage was widespread, and piecemeal repairs would only compromise the home’s integrity. Worse, the insurer ignored manufacturer guidelines and local building codes, both of which required a full roof replacement. Ignoring these guidelines after a denied roofing insurance claim just added to the frustration.
Fighting Back: How We Forced Full Coverage
1. Proving the Roof Couldn’t Be Repaired
Our first move was to obtain a shingle identification report, confirming that the existing shingles were discontinued.
- The manufacturer strictly warns against mixing old and new shingle versions.
- New shingles came with “Do Not Mix” warnings, making partial repairs impossible.
This meant the only compliant option was a full roof replacement, not just a patch job.
2. Using City Building Codes to Demand Full Replacement
The next step was bringing in official documentation from the City of Berwyn, which mandated:
✅ A full tear-off of all roofing materials
✅ Installation of new plywood decking to meet 2012 IBC standards
✅ Application of ice and water shield per modern code requirements
The insurance company initially argued that since the roof was only 8 years old, this didn’t apply. But Make It Happen Adjusters, Inc. secured an official city permit requiring the full replacement, forcing the insurer to comply, even after their denied roofing insurance claim.
3. Escalating to an Appraisal for Maximum Compensation
When the insurer still refused to budge, we invoked the Appraisal Clause, bringing in an independent expert to review the damages.
This strategy increased the final payout significantly, covering:
✅ 15.67 squares of shingles (instead of 0.67!)
✅ $4,463.13 for shingle replacement
✅ $3,725.57 for new plywood decking
✅ $14,105 in additional building code upgrades
This was a huge win—the homeowner got the full roof replacement they deserved, while the insurer was forced to honor the policy they had paid for, despite the initial denied roofing insurance claim.
Final Outcome: A Fully Funded Roof Replacement
Before: Insurance approved just 67 shingles and $190 for a partial repair.
After: Thanks to our work, they paid for a complete roof replacement worth over $15,000.
This case proves why working with a public adjuster makes all the difference in fighting for a fair insurance settlement after a denied roofing insurance claim.
Are you facing an insurance denial or lowball offer? Contact us today to get the compensation you deserve.
Why You Shouldn’t Settle for Less on Your Roofing Claim
Most homeowners don’t realize that insurance companies often underpay or deny valid claims. If your claim was denied or you were offered a fraction of what your roof needs, don’t settle—fight back with a professional public adjuster.📢 Don’t let your insurance company shortchange you. Schedule a free claim review 708-416-8098 today and let us Make It Happen for you!