At-a-Glance Summary
Client: Homeowner in Rockdale, TX
Problem: Significant tornado damage; insurance claim for the main house roof was wrongfully denied after an incomplete inspection.
Solution: RocStout’s comprehensive diagnostic assessment, meticulous documentation, and direct coordination with the insurer.
Outcome: Claim denial overturned, full roof replacement approved, and the homeowner received complimentary material upgrades—all within the insurance-paid budget.
The Challenge: A Damaged Home and a Discouraging Denial
After a tornado swept through Rockdale, a local homeowner was left with significant property damage and the stressful task of navigating their insurance claim. While their garage roof was correctly identified as a total loss, the adjuster’s assessment of the main house was alarming: without ever stepping onto the roof, he deemed it undamaged.
This left the homeowner in a difficult position—facing a potentially compromised roof and a claim denial based on an incomplete, ground-level inspection. They were at a disadvantage, and the situation was defined by uncertainty and stress.
The RocStout Process: Bringing a Disciplined, Fact-Based Approach
This is the exact scenario our “No Surprises” process was built for. We were called in to provide a professional, second opinion.
Our process began with a comprehensive Diagnostic Assessment. Our trained specialists conducted a meticulous, on-roof inspection of the entire system, documenting every point of tornado damage with high-resolution photos and detailed notes.
We then compiled this evidence into a clear, professional report. Armed with undeniable proof, we coordinated directly with the insurance company to schedule a re-inspection with a different adjuster. We met them on-site, walked them through our findings, and presented the objective facts of the damage.
The Result: Denial Overturned, Value Maximized
The evidence was indisputable. The insurance company reversed its initial decision and approved a full replacement for the main house roof.
This allowed the homeowner to receive the fair restoration they were entitled to, with their only out-of-pocket cost being their deductible. Because our process ensures the full scope of the claim is approved, we were also able to maximize the value for our client. We provided complimentary upgrades to a superior storm-durable shingle and an enhanced aesthetic ridge—all within the approved insurance budget.
The entire project was completed in just two days, bringing the homeowner’s stressful journey to a swift, successful, and predictable conclusion.