Tag: Case Study

Hail Damage: No Sight Unseen

by hahnmpa, posted in Uncategorized

NAME: Dale

CLAIM TYPE: Hail Damage

LOCATION: Roof

ESTIMATE

Before: $177 Settled: $38,756.90

THE SITUATION

The insurance company said there was no damage to the roof. The first estimate was for $177 where the original adjuster found damage to the siding, gutters, and fence. The insurance company hired an engineer where they claimed no damage to the roof in their report.

At Midwestern, we immediately became involved and emailed the insurance company pictures demanding they have an adjuster meet with us and the engineer to look at the roof. We circled some of the damage showing the adjuster and the engineer plainly. The engineer claimed the sun light had changed in the last few minutes allowing our team to better see the damage from what he could see only a few minutes earlier.

THE SOLUTION

Luckily, the adjuster was not happy with the engineers comment and agreed with our team about the damage to the roof. The insurance company ended up agreeing on replacement of the roof and the claim was settled for $38,756.90

“My insurance company initially looked at the roof and agreed to only $177 worth of damage. The insurance company hired an engineer to represent them…Midwestern was able to show the engineer the damage and negotiated the claim to replacement of the entire roof!”

– Dale

Hail Claim Resolved in Under 30 Days

by hahnmpa, posted in Uncategorized

NAME: Full Gospel Church of God

CLAIM TYPE: Hail Damage

LOCATION: Metal Roof, Hail Damage, Metal Siding

ESTIMATE

Before: >$1,000 Settled: $41,178.34

THE SITUATION

The first insurance estimate was below the insured’s
deductible of $1,000.

THE SOLUTION

After just one meeting, Midwestern got the insurance company to agree to $41,178.34. The insured’s were trying with the contractor to get a second inspection. After our involvement we were able to get the insurance company to meet and resolve the claim in under 30 days.

Full Roof Replacement: Zhivion

by hahnmpa, posted in Uncategorized

NAME: Radoshevich Zhivion

CLAIM TYPE: Hail Damage

LOCATION: Roof

ESTIMATE

Before: $ – Court Settled: Full Roof Replacement

THE SITUATION

The insured called Midwestern PA for help. They had hired an appraiser and the appraiser was not doing a good job on their claim. After understanding their issues, we were able to provided strategic counsel and advised that they hire a lawyer and have our team member, Jason Hahn, represent them as a construction expert. Thereafter, we inspected the property, wrote an estimate, and a report recording the damage we inspected to settle the claim.

THE SOLUTION

The claim was settled in court from our report of damage. The insured, Zhivion, was so happy we were able to help them as the insurance company ended up paying for all of the damage done by the hail storm.

“During our claims process, Jason listened carefully to our situation and wrote up a clear and comprehensive statement. This was crucial in establishing the legitimacy of our claim in court. He was prompt, thorough and effective.”

– Radoshevich Zhivion

Hail Damage: Adam Parks

by hahnmpa, posted in Uncategorized

NAME: Adam Parks

CLAIM TYPE: Hail Damage

LOCATION: Roof

ESTIMATE

Before: virtually $0 Settled: $14,269.63

THE SITUATION

The insured had minor damage to his roof and was unlikely to settle a claim after a hail storm. Midwestern explained that due to minor implications, it would be rare to get the insurance company to agree on a full roof replacement. Since, he had a wood shake roof, the goal was to get as close as possible to a new asphalt roof since there was damage to other areas on the roof valley metal.

THE SOLUTION

The claim started at practically no damage to the dwelling. After Midwestern’s involvement, the claim was settled at $14,269.63. After fees, the insured got a new roof and didn’t have to come out of pocket that much more than the deductible.

“My insurance company significantly undervalued the hail damage to my wood shake roof. Jason’s help in the appraisal process nearly doubled my insurance payment so that I was able to afford a full roof replacement rather than settle for a patch repair.”

– Adam Parks

Wind Damage: Cynthia Morgan

by hahnmpa, posted in Wind Claim

NAME: Cynthia Morgan

CLAIM TYPE: Wind Damage

LOCATION: Roof

ESTIMATE

Before: $7,163.29 Settled: $26,211.11

THE SITUATION

Cynthia Morgan had been fighting with her insurance company to replace her roof but they kept denying the claim so she decided to call Midwestern. “From the moment I met Jason, I knew I was in good hands,” Cynthia says, “He reviewed my claim and said, ‘Don’t worry about anything, I will handle it.’ And he did.”

The insurance company originally agreed to minor repairs to the insureds dwelling totaling $7,163.29. The damage the insurance company agreed was to repair 180 wood shake shingles and repair the interior damage from water leaks.

THE SOLUTION

After meeting with the adjuster and explaining why the roof should be replaced the adjuster ended up agreeing with Midwestern to replace the full roof and writing a new estimate at $26,211.11 for a full roof replacement.

“Jason met with my insurance company and that same night they emailed me they were paying for a new roof…I couldn’t believe how fast and effectively he handled everything. I couldn’t be happier.”

– Cynthia Morgan

Hail Damage: Sabrina Baker

by hahnmpa, posted in Uncategorized

NAME: Sabrina Baker

CLAIM TYPE: Hail Damage

LOCATION: Roof

ESTIMATE

Before: $18,581.24 Settled: $425,622.32

THE SITUATION

The insurance company first claimed no damage to the insured’s roof. After an adjustment meeting with Midwestern, the claim went from an estimate below the
insured’s deductible, up to $18,581.24. After many months of emailing the insurance company explaining the differences between our estimate at Midwestern and the insurance companies estimate we received four (4) revised estimates.

THE SOLUTION

The last estimate received from the insurance company was for $251,905.98. Unfortunately, that amount still was not enough to get the work completed. The insured had no other option but to send their claim to appraisal. The appraisal panel settled the claim at $425,622.32.