Hail Damage Recovery — Lakewood, CO

The Lawson Family, residing in Lakewood, CO, suffered extensive damage to their property during the Summer Hailstorm. The insurance company initially offered $130,000, which was far below the actual cost of repairs. Through detailed documentation and expert assessments, Noble Public Adjusting Group successfully negotiated a final settlement of $1,197,600 – an 821% increase over the original offer.

The property’s roof was severely compromised due to hail damage, resulting in significant water intrusion and structural instability. Thermal imaging revealed extensive water stains on walls and ceilings, indicating poor ventilation and inadequate roofing material selection. Additionally, windows were breached, allowing rainwater to seep into the interior, causing significant damage to insulation, drywall, and other building materials.

Further assessments revealed compromised electrical systems, damaged plumbing fixtures, and issues with HVAC components. The storm’s environmental impacts also resulted in mold growth, requiring extensive remediation efforts. The property’s foundation was found to be cracked, suggesting potential long-term structural problems.

The detailed assessments conducted by Noble Public Adjusting Group provided a comprehensive understanding of the property’s damage, enabling informed negotiations with the insurance carrier.

The initial $130,000 offer from the insurance company was grossly underestimating the extent of the damage. Noble Public Adjusting Group discovered that the carrier had employed a lowball adjustment model, overlooking numerous line items and failing to account for hidden damages.

Furthermore, the adjuster’s review of the policy coverage revealed significant under-scoping – critical components and coverage types were excluded from the original assessment. This negligence left the Lawson Family vulnerable to further financial losses and potential long-term consequences.

By identifying these discrepancies, Noble Public Adjusting Group was able to craft a more detailed and accurate estimate of the property’s damage, ultimately securing a substantial settlement increase for the client.

A licensed public adjuster from Noble Public Adjusting Group conducted an extensive itemized line-by-line estimate of the property’s damages. This comprehensive assessment involved a thorough review of the policy coverage, identifying gaps in coverage and overlooked line items that had been missed by the carrier.

The adjuster also employed advanced thermal imaging techniques to detect hidden water stains and other signs of damage that may have gone undetected. By leveraging this expertise, Noble Public Adjusting Group was able to uncover significant under-scoping and lowball adjustment models used by the insurance carrier.

This meticulous approach allowed the firm to develop a more accurate and detailed assessment of the property’s damages, ultimately leading to a higher settlement for the client.