Cases
Settlement of Roof Insurance Claim for a Houston-Based Contractor
Project Overview
Settlement of Roof Insurance Claim for a Houston-Based Contractor
We at The Claims Ninja excel at negotiating underpaid or denied claims into lucrative settlements for contractors. In this case, a wind-damaged residential roof resulted in a low insurance company payout, and a Houston-based roofing contractor faced a significant obstacle. The insurer’s scope didn’t include critical items, and the initial offer wouldn’t approach basic material costs. That’s when the contractor teamed up with The Claims Ninja to settle fairly and accurately.
Challenges & Our Process
The Challenge
The contractor submitted a detailed roof inspection and scope of work, but the insurance company only offered $12,800 after depreciation. They cited wear and tear, excluded key items like code-required upgrades and flashing, and denied matching shingle coverage. This low payout fell far short of actual needs. It risked client frustration, legal issues, and major out-of-pocket costs for the contractor.
Our Process
The Claims Ninja stepped in to take control of the claim process:
A detailed Xactimate estimate was created by our team ensuring compliance with the local building codes.
We conducted an extensive review of the policy and scope of work, gathering photographs, code documentation, and industry guidelines to support the contractor’s position.
Limited Market Insights
Our licensed public adjusters handled all communication with the insurance company which allowed the contractor to focus on their business rather than the inspection.
Results
Outcomes and Insights
After two weeks of negotiations, the insurance company came back with an offer of $26,950 — more than double the original offer. The revised settlement included:
- Code-compliant materials
- Matching shingles for visual continuity
- Overhead and profit for general contracting services
- Proper labor charges for steep slope roofing
Key Takeaways
This case shows the value of expert negotiation and policy experience in dealing with roofing claims. Having a public adjuster like The Claims Ninja on a contractor's side means that no lineitem will be missed, all documentation will be on point and the final settlement will be commensurate with the true scope of work needed.
Fire Restoration Claim Success
Project Overview
Fire Restoration Claim Success
A restoration contractor in Austin was brought in to remediate a residential property after a kitchen fire caused significant smoke and soot damage throughout the home. The contractor conducted a thorough assessment and submitted a detailed scope of work. However, despite the evident damage, the insurance company delayed their response and offered a significantly underpaid settlement, creating unnecessary roadblocks, project delays, and financial strain for both the contractor and the homeowner.
Challenges and Our Process
Challanges
The insurance carrier offered a low settlement of just $24,500, omitting critical fire restoration tasks such as HEPA vacuuming, HVAC duct decontamination, odor control treatments, and replacing smoke-damaged drywall in nearby rooms. Coverage was also denied for contents cleaning and temporary housing for the homeowner. These exclusions left the contractor unable to proceed, triggering homeowner dissatisfaction, project delays, and mounting financial pressure on both the contractor and their crew.
Our Process
We took over the claim negotiations and built a solid case to ensure the contractor received a fair settlement.
Utilized thermal imaging and smoke migration mapping to uncover hidden damage, supporting findings with photographic evidence and code compliance documentation.
Developed a comprehensive, standards-based estimate and negotiated directly with the insurer—challenging denials to secure full coverage.
Results
Outcomes and Insights
Our strategic intervention led to a successful settlement that fully supported the contractor’s scope of work.
- Final payout increased from $24,500 to $61,300
- All denied remediation items were approved, including HEPA cleaning and odor control
- Contents cleaning and temporary housing expenses were covered
- The contractor resumed work promptly with full client satisfaction
Key Takeaways
This case highlights how The Claims Ninja helps contractors overcome underpaid fire restoration claims. With expert documentation, negotiation skills, and deep knowledge of insurance policies, we ensure fair settlements. Contractors can rely on us to protect their interests and keep projects moving without financial roadblocks or delays.
Water Damage Restoration Contractor Success
Project Overview
Water Damage Restoration Contractor Success
A water damage restoration contractor in the small town of Arcata, California, was hired to restore a residential property after a significant water leak caused extensive damage to the home. After completing an initial assessment and submitting a detailed scope of work, the insurance company delayed the response and offered a settlement far below the actual costs required for proper remediation. This low offer created project delays and financial strain on both the contractor and the homeowner.
Challenges and Our Process
Challanges
A water damage restoration contractor in the small town of Arcata, California, was hired to restore a residential property after a significant water leak caused extensive damage to the home. After completing an initial assessment and submitting a detailed scope of work, the insurance company delayed the response and offered a settlement far below the actual costs required for proper remediation. This low offer created project delays and financial strain on both the contractor and the homeowner.
Our Process
We took over the claim negotiations, ensuring the contractor received a fair settlement that covered all essential restoration work.
Conducted moisture mapping and thermal imaging to identify hidden water damage, supported by photographic evidence and engineering reports.
Prepared a detailed, standards-based estimate and negotiated directly with the insurer to secure full coverage, including reversal of previously denied items.
Results
Outcomes and Insights
Our intervention led to a successful settlement that fully supported the contractor’s required scope of work.
- The final payout increased from $12,000 to $34,500
- All denied restoration services were approved, including water extraction, structural drying, and mold prevention treatments
- Temporary housing and contents cleaning expenses were covered
- The contractor resumed work promptly, and the homeowner was satisfied with the restored property
Key Takeaways
This case demonstrates how The Claims Ninja helps water damage restoration contractors secure fair settlements. Through expert documentation, negotiation, and a deep understanding of insurance policies, we ensure contractors can move forward with their work without delays or financial obstacles. Contractors can rely on us to protect their interests and ensure project success.
Mold Remediation Claim Success
Project Overview
Mold Remediation Claim Success
A mold remediation contractor in San Jose was hired to address a severe mold outbreak in a residential property caused by an undetected pipe leak. The contractor documented widespread mold contamination and submitted a comprehensive remediation plan. Despite clear evidence and a link to a covered water loss, the insurance company delayed action and issued a low settlement, citing pre-existing conditions and excluding several necessary remediation steps.
Challenges and Our Process
Challanges
The insurance company responded with a minimal settlement of just $9,200, denying coverage for essential remediation steps. These included containment barriers, negative air pressure systems, HEPA filtration, and post-remediation verification. The insurer also argued the mold was due to poor maintenance, labeling it a pre-existing issue. This put the contractor in a difficult position, unable to proceed with industry-standard protocols, facing homeowner dissatisfaction, and risking project delays and non-compliance issues.
Our Process
We stepped in to defend the contractor’s scope and push for a fair mold claim settlement.
Correlated mold growth to the original covered water loss and supported the claim with moisture mapping and air quality test results.
Developed a line-by-line estimate based on mold remediation standards and successfully negotiated with the insurer to approve full remediation and testing.
Results
Outcomes and Insights
Our expert handling led to a significant increase in the settlement and full coverage for necessary remediation.
- Final payout raised from $9,200 to $28,900
- All excluded items, including testing and air filtration, were approved
- Homeowner health concerns were resolved, ensuring compliance and safety
- Contractor was paid in full and completed the job without further delays
- Final payout raised from $9,200 to $28,900
Key Takeaways
This case proves how The Claims Ninja protects mold remediation contractors from underpaid or denied claims. With detailed documentation, technical insight, and policy knowledge, we ensure our contractor clients receive the funds they deserve, so they can do their job right, without compromise or financial risk.