Tornado Damage Recovery — Lakewood, CO

The Wilkins Family of Lakewood, CO, suffered extensive damage to their property in the aftermath of the EF3 tornado that swept through the area. The insurance company initially offered $110,000, which was far below the actual cost of repairs. Noble Public Adjusting Group’s comprehensive assessment and negotiation efforts resulted in a final settlement of $546,700 — a 397% increase over the original offer.

The tornado caused significant structural compromise to the property, including roof failures that compromised the integrity of the building envelope. Water intrusion was also a major issue, with high-pressure water jets from the storm pushing through gaps and openings in the exterior walls, causing severe damage to the interior finishes. The thermal imaging conducted by Noble Public Adjusting Group’s experts revealed significant hotspots and temperature anomalies, indicating areas of extensive heat loss due to compromised insulation and air sealing issues.

In addition to these structural and environmental impacts, the tornado also caused significant damage to the property’s exterior cladding system, with large sections of vinyl siding torn away from the exterior walls. The interior of the building was also severely affected, with widespread water damage and discoloration of drywall, flooring, and ceilings. The sheer extent of the damage necessitated a detailed itemized assessment of all affected areas to determine the full scope of the repairs required.

The comprehensive physical damage assessment conducted by Noble Public Adjusting Group’s experts provided a clear picture of the property’s condition, enabling the public adjusters to make informed decisions about the best course of action for the Wilkins Family. By leveraging thermal imaging and expert assessments, they were able to identify areas that had been overlooked or undervalued by the insurance company.

The initial offer from the insurance company was woefully inadequate, reflecting a clear under-scoping of the damages. The corporate adjuster’s approach to valuation relied on lowball adjustment models that failed to account for the full extent of the property’s damage. By relying on these outdated and inaccurate methods, the carrier significantly underestimated the costs associated with repairs.

Furthermore, the insurance company’s initial offer did not take into account a number of line items that were overlooked or undervalued, including exterior cladding system replacement, interior drywall repair, and high-pressure water intrusion remediation. These significant expenses would later become a major point of contention in negotiations between Noble Public Adjusting Group and the carrier.

By failing to provide a comprehensive assessment of the property’s damage, the insurance company created an environment in which the Wilkins Family was left vulnerable to financial losses. The lack of transparency and communication from the carrier made it difficult for the family to understand the full extent of their claim, leading to frustration and uncertainty.

A licensed public adjuster from Noble Public Adjusting Group conducts a thorough, itemized line-by-line estimate that provides a comprehensive review of all affected areas. This detailed assessment involves an extensive policy coverage review, which uncovers hidden damages the carrier missed or downplayed.

By leveraging their expertise in property damage analysis and restoration cost estimation, Noble Public Adjusting Group’s public adjusters are able to identify areas where the insurance company’s initial offer falls short. They use advanced tools and techniques to validate the accuracy of the claims data, ensuring that every line item is properly accounted for and every potential source of recovery is pursued.

The public adjuster’s expertise also enables them to negotiate with the carrier on behalf of their client, advocating for a fair settlement based on the comprehensive assessment conducted by Noble Public Adjusting Group. By providing a level playing field in these negotiations, the public adjusters are able to ensure that the Wilkins Family receives maximum compensation for their losses.