Project Details
A homeowner in Prosper had hail damage confirmed by a neighbor's roofer who pointed it out while working next door. They knew they needed to file a claim. They just didn't know who to call first, what to say, or what the insurance company would do next. We walked them through every step from the first phone call to the adjuster visit. They never had to figure out the process alone.
Client
James P.
Type
CLAIM ASSISTANCE
Duration
3 days
Year
2025
Property type
Single-family home
Location
Prosper, Texas
Services
Roof insurance claim filing, adjuster inspection support, damage documentation
Materials
Architectural shingles, flashing, pipe boots, ridge cap
WHAT WE DID
This was about making sure the process worked for them, not against them.
Inspection & Documentation
We went up before anyone called the insurance company.
Walked all four slopes and documented hail bruising across two slopes
Photographed collateral damage to gutters, vents, and downspouts
Recorded the storm date and cross-referenced with NWS weather data
Produced a full written inspection report with photos for the claim file
Claim Filing & Adjuster Support
They never had to face the insurance company alone.
Filed the claim onsite with the homeowner's permission
Coordinated the adjuster visit and had a PAR rep present at the inspection
Identified three line items the adjuster's initial scope had missed
Submitted a supplement with supporting documentation to close the gap
Process Guidance
We handled the back and forth so they didn't have to.
Explained the ACV payment and RCV holdback before the first check arrived
Coordinated mortgage company endorsement to prevent payment delays
Kept the homeowner informed at every stage with no unexplained gaps
Roof replacement completed and final depreciation check released
CHALLENGES WE FACED
The process had more moving parts than the homeowner expected.
The adjuster's initial estimate came in lower than our documented scope by over $2,000
The insurance check was made out to both the homeowner and their mortgage company
The homeowner didn't know what ACV meant when the first payment arrived
Timeline anxiety was high — they didn't know how long any of this would take
WHY THIS CASE STANDS OUT
We turned a confusing process into a clear sequence they could follow.
Supplement filed and approved, closing the gap between adjuster estimate and actual scope
Walked the homeowner through mortgage endorsement step by step
Explained the two-check process before the first payment arrived — no surprises
Full replacement completed within the insurance timeline with zero out-of-pocket beyond deductible
FINAL RESULT
They came in overwhelmed and left with a new roof, a closed claim, and a clear understanding of every dollar that moved. The process they feared most turned out to be the part they never had to manage alone.
James P.
Prosper homeowner
