The Claim Conundrum:

What’s in Your Best Interest May Not Be in Theirs

Here’s a hard truth: insurance companies are happy to collect your premium payments but aren’t always eager to pay out claims. Their inspectors might act sweet as pie, but their goal is often to minimize payouts. Saving their company money? It makes them look good. Unfortunately, this approach can leave homeowners feeling helpless when their valid claims are denied or lowballed.

In this case, the insurance inspector conveniently overlooked several areas of extensive shingle damage. While neighbors up and down the block had their roofs replaced, this homeowner was told they didn’t qualify. Sound fishy? That’s because it was.

How We Turned the Tables

When our specialist arrived on the scene, they immediately got to work:

1. Thorough Inspection: We conducted a detailed evaluation of the roof, documenting every single piece of damage the insurance inspector had missed.
2. Expert Report: Armed with photos, measurements, and a clear understanding of the storm’s impact, we prepared a comprehensive report challenging the insurance company’s initial decision.
3. Re-Inspection With the Appraiser: We met with the insurance appraiser for a second look, armed with evidence they simply couldn’t ignore. After this re-inspection, the claim was finally approved.

A Happy Ending With GAF Timberline HDZ Shingles

With the claim approved, the roof was replaced with GAF Timberline HDZ shingles in the color Barkwood, a durable and stunning choice that perfectly complemented the home’s aesthetic. Not only did the home get a brand-new roof, but the roofs on two sheds were also replaced as part of the claim. Talk about a win!

However, not everything was covered. The gutters, gutter screens, and aluminum window wraps were damaged, but the insurance policy didn’t include coverage for cosmetic metal damage. This is why it’s crucial to understand your policy before disaster strikes.

Why Choosing the Right Contractor Matters

Here’s the thing: many homeowners think they need to find a contractor willing to accept the insurance company’s lowball estimate. This approach can backfire, leaving you with subpar materials or incomplete repairs. An experienced contractor who understands insurance claims can negotiate directly with your adjuster, ensuring the necessary repairs are fully covered and completed to code.

At Badgerland Restoration & Remodeling, Inc., we specialize in taking that stress off your plate. We know the ins and outs of property claims and how to hold insurance companies accountable. Plus, our work speaks for itself.



Tips for Navigating Insurance Claims

Don’t Settle for Denials: If your claim is denied or underpaid, challenge it. Bring in a trained specialist who can spot what the insurance company might overlook.
Understand Your Policy: Review your homeowner’s policy carefully, especially exclusions like cosmetic damage to metal components.

Ask for Recommendations: Not sure which insurance company to trust? Talk to local contractors. They’ll have firsthand knowledge of which companies are more homeowner-friendly.

Ready for a Stress-Free Claim?

We're here to help! If you’re dealing with storm damage, don’t go it alone. From inspections to negotiations, Badgerland Restoration & Remodeling, Inc. has your back. Whether you need a new roof, siding, or help navigating the tricky world of insurance claims, we’ll make sure your home gets the care it deserves. Ready to chat? Give us a call and let’s turn your storm damage into a success story!

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Insurance Claims Specialist Always On Your Side!