When severe hailstorms hit Palos Heights, homeowners often find themselves facing unexpected damage and the frustrating process of filing a roof replacement insurance claim. This quiet, suburban city in Cook County, Illinois, is known for its beautiful residential neighborhoods, excellent schools, and strong community values. Unfortunately, it is also susceptible to harsh Midwest weather conditions, including heavy storms that can wreak havoc on roofs and gutters.
The Initial Roadblock: A Partial Coverage Offer
After a powerful hailstorm, our client in Palos Heights noticed significant damage to their roof and gutters. They promptly filed an insurance claim, expecting their policy to cover the necessary repairs. However, the insurance company initially approved only a partial repair, leaving the homeowner with an insufficient payout that wouldn’t restore the home to its pre-loss condition.
Among the biggest issues in the insurer’s initial assessment:
- Approval for only some shingles, ignoring the extensive damage across the entire roof.
- Minimal compensation for damaged gutters and flashing.
- No coverage for mandatory code upgrades, such as ice and water barriers and new decking installation.
This was far from acceptable. That’s when Make It Happen Adjusters stepped in to help with the roof replacement insurance claim.
How We Fought Back and Won
1. Leveraging Building Code Compliance in Palos Heights
One of the strongest arguments we used to overturn the insurance company’s decision was building code compliance in Palos Heights. Local regulations required: ✅ Full replacement of roof decking due to updated code standards. ✅ Installation of ice and water barriers to prevent future damage. ✅ Proper gutter system replacement with upgraded components.
By proving that a partial repair wouldn’t bring the home up to code, we forced the insurer to reevaluate their initial decision. This was crucial for the roof replacement insurance claim.
2. Manufacturer Documentation to Justify Replacement
The home’s existing LeafGuard gutter system was an outdated design that was no longer manufactured. The newer model was incompatible with the old system, meaning that repairs weren’t an option—a full replacement was the only solution.
This crucial detail strengthened our case, ensuring the homeowner received full compensation for a brand-new gutter system as part of the roof replacement insurance claim.
3. Strategic Negotiation and Supplemental Claims
Our public adjuster, Eddy Garcia, took charge of negotiations. By providing detailed reports, professional estimates, and additional evidence of hidden damage, we secured full funding for: ✔ A brand-new roof installation – 22.75 squares of laminated shingles. ✔ Replacement of 169.28 feet of LeafGuard seamless gutters. ✔ Upgraded roof decking (2,286 square feet) to meet current code requirements. ✔ Flashing, drip edge, step flashing, and chimney repairs. ✔ Additional charges approved for steep roof conditions and multi-story accessibility. All these were essential parts of the roof replacement insurance claim.
The Final Victory: A Fully Funded Claim
After multiple rounds of negotiations, Make It Happen Adjusters secured a total claim payout of $58,790.97—a significant increase from the insurer’s original lowball offer. It was a complete success for the roof replacement insurance claim.
Why Public Adjusters Matter in Palos Heights
This case is yet another example of why homeowners in Palos Heights should never settle for an insurance company’s first offer. Without a public adjuster’s help in their roof replacement insurance claim: 🚫 The homeowner would have received far less than needed to restore their home properly. 🚫 They might have been forced to pay out of pocket for critical repairs. 🚫 They wouldn’t have known how to challenge the insurance company’s denial.
Palos Heights: A Great Place to Live, But Be Prepared for Weather Challenges
Palos Heights is a thriving suburb with tree-lined streets, family-friendly parks, and a strong sense of community. However, the region is no stranger to extreme weather, including heavy snow in the winter and intense storms in the spring and summer. That’s why homeowners must be proactive about protecting their homes and ensuring they receive fair insurance settlements after storm damage. Roof replacement insurance claims are part of this important process.
Don’t Let Your Insurer Shortchange You—We Can Help!
📞 Call us today at 708-416-8098 for a free consultation! At Make It Happen Adjusters, we fight for homeowners to ensure they receive the full compensation they deserve. If you’ve experienced storm damage and your insurance company isn’t paying what they should, we’re here to help with your roof replacement insurance claim.
📞 Contact us today for a free consultation and let us fight for your home!👉 Read more success stories on our blog