When hailstorms hit, they don’t just damage roofs—they also bring frustration when insurance companies undervalue claims. This was the case for a homeowner at 12120 S James Dr, Alsip, IL, who initially received a lowball settlement of $23,159.34 for their hail-damaged roof. But thanks to the unmatched expertise and persistence of Public Adjuster Octavio Contreras, the homeowner’s roof replacement insurance claim more than doubled to $46,461.44—fully covering the necessary repairs.
The Problem: A Low Initial Insurance Offer
After a severe hailstorm, the homeowner filed an insurance claim expecting their policy to fully cover the damage. However, the insurance provider only approved partial repairs, neglecting:
- Extensive roof damage caused by hail impact.
- Damaged gutters and flashing necessary for proper water drainage.
- Required code upgrades, including waterproofing and insulation improvements.
This incomplete assessment left the homeowner facing out-of-pocket expenses—until Make It Happen Adjusters stepped in to fight for full compensation.
How Octavio Contreras Secured a Full Roof Replacement
Step 1: Thorough Damage Inspection & Contract Signing
✅ Public Adjuster Octavio Contreras, a highly skilled advocate for homeowners, personally inspected the property, meticulously documenting all signs of hail impact on the roof, gutters, and insulation.
✅ Octavio’s deep knowledge of insurance policies and roofing standards ensured that every overlooked detail was included in the claim.
✅ Signed a contract with the homeowner, ensuring Make It Happen Adjusters would handle all negotiations with the insurer.
Step 2: Detailed Documentation & Evidence Collection
📸 Octavio captured high-quality photos of hail damage, ensuring undeniable proof.
📋 Collected reports on latent damage, such as water seepage & insulation deterioration, which could lead to future issues.
📜 Provided comprehensive documentation to prevent the insurer from downplaying the claim.
Step 3: Masterful Negotiation with the Insurance Provider
💰 Initial Offer: $23,159.34 – insufficient for proper repairs.
📢 Octavio challenged the insurer’s assessment by:
- Highlighting policy clauses covering full hail damage restoration.
- Using local roofing estimates to prove that repair costs were higher.
- Providing strong before-and-after comparisons to demonstrate the need for a full roof replacement.
- Skillfully refuting the insurer’s objections with detailed, irrefutable evidence.
Step 4: Final Settlement Secured & Repairs Organized
💲 Final Approved Settlement: $46,461.44—an increase of 101% from the initial offer!
🛠 Thanks to Octavio’s determination, all necessary repairs were fully funded, ensuring the homeowner didn’t pay anything out of pocket.
What the Settlement Covered
✔ Full Roof Replacement – Addressing all hail-related damage and structural concerns.
✔ Complete Gutter Replacement – Ensuring proper drainage and long-term protection.
✔ Waterproofing & Insulation Upgrades – Enhancing the home’s resistance to weather damage.
✔ Final Inspection & Compliance Check – Meeting Alsip’s building codes and ensuring all repairs were high quality.
Key Takeaways for Homeowners
🔹 Never Settle for a Low Initial Offer – Insurance companies often minimize payouts.
🔹 Public Adjusters Can Maximize Your Claim – Octavio’s expert negotiation secured double the compensation in this case.
🔹 Thorough Documentation is Crucial – Photos, damage reports, and policy knowledge make a huge difference.
Octavio Contreras: A Dedicated Advocate for Homeowners
This case highlights Octavio’s incredible attention to detail, strategic thinking, and relentless pursuit of fairness. His ability to fight for homeowners’ rights and outmaneuver insurance company tactics proves why having a trusted public adjuster is essential in storm damage claims. His success is a testament to his dedication and expertise!
Don’t Let Your Insurer Underpay Your Claim—We Can Help!
At Make It Happen Adjusters, we fight to ensure homeowners receive every dollar they deserve after storm damage. If your insurance company has given you a low offer or denied your claim, let us take over and make it happen for you!
📞 Call us today at 708-416-8098 for a FREE consultation!