From $162K to $1.08M: The Power of Verified Storm Data
Using HailTrace storm data, Premier Claims confirmed the correct date of loss and secured a full restoration—turning a $162K claim into $1.08M.
When hail damage strikes, even a small oversight—like an incorrect date of loss—can dramatically alter a claim’s outcome.
In this case, correcting that one detail turned a partial repair into a full property restoration and increased the claim value from $162,000 to $1.08 million.
The Challenge:
Data gaps and a wrong date of loss limited recovery.
A commercial property owner filed a hail damage claim after a severe storm. The insurance carrier’s engineer inspected the site and approved only partial coverage.
The initial offer—$162K—wasn’t enough to restore the property to its pre-storm condition.
When Premier Claims got involved, the claim had stalled and they found:
- The carrier hadn’t issued a final coverage decision.
- The engineering report overlooked key storm damage.
- Pricing didn’t align with real market rates.
- The owner was left waiting and uncertain.
The Approach:
Turned to HailTrace Storm Data
Premier Claims restarted from the ground up—reinspecting the property, verifying every line item, and reviewing historical weather data. Their key findings:
- Unreported hail damage on lower roof sections.
- Wind-related code upgrades missing from the estimate.
- A newer roof addition included in error by the carrier.
To pinpoint what truly happened, Premier turned to HailTrace storm data to track hail events around the property.
The Solution: Using HailTrace to Verify the True Date of Loss
HailTrace analysis confirmed that the property was impacted by two separate hailstorms, not one.
The second event—previously undocumented—directly aligned with the damage found on the lower roof.
This discovery allowed Premier Claims to:
- Establish a second, verified date of loss
- Connect policy terms to the correct storm event
- Build a clear, evidence-based narrative for full replacement
With HailTrace storm verification data backing the field findings, Premier presented a restructured claim and requested a new inspection.
The Results
Five months after engagement, the claim closed at $1.08 million—a 570% increase over the original offer.
The second inspection produced:
- Accurate property measurements
- Updated market pricing
- A complete, code-compliant repair scope
What started as a limited partial repair became a fully supported, data-driven claim resolution.
Verify Before You Settle
Don’t let missed data or the wrong storm date limit your recovery.
Use the right combination of storm verification and claim expertise to ensure your property claim reflects the true extent of your loss.
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