We can help you navigate the insurance claim estimating process and get the repairs you need justified.
Sorry Charlie. Actually, there's no debate!
Insurance companies win and you lose! Why?
Insurance companies deploy trained estimators and desk adjusters, with limitless financial resources, utilizing advanced Xactimate estimating software, with structural engineers on standby to grossly limit your claim payout. Your insurance company pays about $2,500 for the “lowball estimate” that usually does not even meet your deductible amount. Whoopee!
Good news for property and homeowners!
Your damage is estimated using industry-standard Xactimate and Symbility software, ensuring accuracy and fairness.
Insurance Restoration General Contractors make damage estimating simple and conclusive!
How we corrected an extremely low insurance estimate.
In July 2024, hurricane Beryl dropped massive trees on the State Farm insured homeowner's house in Houston, TX.
Having been insured with State Farm for over 40 years, the homeowner, Mr. Kent thought his claim would be cut and dry, paid promptly, and he could repair his home in 90 days. Wrong!
The Kent family claim was calculated to be a little over 80K by State Farm. Mr. Kent's long time family contractor backed right out knowing he did not have the experience or knowledge to even begin to level up the Kent family claim against State Farm.
Extensive damage was uncovered that the initial adjuster missed and omitted from the claim estimate. Mr. Kent called Robert Steffan at StormDamaged.com for guidance through the estimating process. StormDamaged.com’s “Select Insurance Restoration Contractor”, Stracoa Services agreed to help the Kent family.
The Kent’s needed expert structural damage estimators to document and line item the damage estimates for interior and exterior. Mr. Kent’s State Farm agent got involved as a courtesy, but it took the expertise of Stracoa a StormDamaged.com’s “Select Insurance Restoration Contractor” resubmitting three escalating estimates to the fourth State Farm adjuster.
State Farm sent a total of four different adjusters over a ten-month period to eventually come to an estimating conclusion of over $280,000. In damages. Finally, the funds were approved to adequately repair the Kent’s home and the repairs were completed in August 2025, 11 months after the hurricane damaged the home.
What about those Insurance coverage cancellations and roof claims all over the USA? Can dirty roofs really cause your Home Owners Insurance to be cancelled?
Yes, it’s true that insurance companies often cancel your homeowner's policy for a dirty roof. Algae, moss, and debris buildup are seen as risks that can lead to costly repairs. A clean roof isn't just about curb appeal—it's about protecting your investment, saving energy and maintaining your coverage. Watch our short video to see how you get the roof cleaned professionally.
You don’t need a cosmetic damage roof claim to replace a good roof ten or 15 years too soon. When you wear your roof down to the bitter end of the service life the next roof always pays for itself and you save that sky high deductible. When the roof equity on your home is totally depleted a new roof restores the depleted equity to full home value. It’s like taking 15k out of one pants pocket and putting it right back into the other pocket.
