From $0 to a Full Roof Replacement
How PALCO Claims overturned a denied wind and hail roof claim and secured a $24,000+ roof replacement award through appraisal.
The carrier allowed only a few individual shingles, leaving the homeowner with a $0 net payment after the deductible.
An independent umpire awarded full roof replacement, including detaching and resetting the home’s solar panels.
Wind and hail roof damage from a March 2025 storm.
Single-family home in San Antonio, Texas.
The carrier approved only a few individual shingles and valued the total damage at just $289.03. Because that amount fell below the policy’s wind and hail deductible, the homeowner received a $0 net payment.
The carrier also declined to reinspect or consider a full roof replacement, even though widespread storm damage was visible across the roof.
Through appraisal, an independent umpire awarded a full roof replacement of more than $24,000, including the cost to detach and reset the home’s solar panels.
The claim was settled and closed. The homeowner was fully funded to replace the roof.
The Challenge
After a windstorm damaged the homeowner’s roof, the insurance carrier inspected the property and allowed only a handful of individual shingles.
The carrier valued the entire loss at $289.03, which left the homeowner with no payment after the deductible. The carrier then refused to revisit its position, despite missing, torn, creased, and unsealed shingles across the roof.
The homeowner needed a stronger claim file, a formal appraisal process, and clear evidence showing that the roof required full replacement.
How PALCO Helped
PALCO Claims stepped in as the homeowner’s advocate with no upfront cost and pushed the disputed roof claim through appraisal.
Invoked the policy’s appraisal provision after the carrier refused to reconsider its position.
Ordered independent roof measurements to support an accurate replacement scope.
Documented damage across all roof slopes, including missing, torn, creased, and unsealed shingles.
Prepared a detailed photo report showing the widespread wind-related roof damage.
Served as the homeowner’s appraiser during the appraisal process.
Escalated the dispute to a neutral umpire when the carrier’s appraiser would only allow a few shingles.
Presented evidence and industry standards on wind-caused shingle damage to support a full-roof replacement scope.
The Outcome
The independent umpire agreed that the roof was compromised by wind and required full removal and replacement.
The binding award came in at more than $24,000, including detaching and resetting the home’s solar panels. That result replaced the carrier’s original $289.03 estimate and $0 net payment with full roof replacement funding.
The claim was settled and closed, and the homeowner was funded to fully replace the roof.
Proven Results
PALCO helped turn a denied roof claim into a full roof replacement award.
$289.03
Initial carrier estimate
$0
Net payment after deductible
$24,000+
Final roof replacement award
Denied or underpaid claim?
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