In late November 2017, a Port St Lucie homeowner (D.C.) contacted VIP Adjusting after having his Hurricane Irma claim denied as being under the policy’s deductible. He was told that the repair to his 5,000+ square foot roof would be minimal and would not exceed his high $10,000 deductible.

After VIP Adjusting was retained it did some investigation and learned from the manufacturer of the roof’s tiles that that both the color and type of interlocking tile had been discontinued and that a repair would not be feasible.

Not only did VIP Adjusting learn from the manufacturer that a repair could not be completed, but VIP Adjusting found out that the insurance company had retained a “tile expert” who advised them of this same information, but despite that conclusion, the insurance company had misrepresented that conclusion to the homeowner in their initial “under deductible” denial letter.

After a number of back and forth communications and exchange of documents, the insurance company agreed to pay for the insured’s full roof replacement, nearly $60,000.