Fighting Lowball Insurance Offers: How The Roof Champion Secures Full Roof Replacements for Homeowners
Fighting Lowball Insurance Offers: How The Roof Champion Secures Full Roof Replacements for Homeowners
Introduction: The Hidden Battle Behind Insurance Claims
When homeowners file insurance claims for storm damage, they assume their insurance provider will fully cover the necessary repairs. Unfortunately, that’s rarely the case. Insurance adjusters are trained to minimize payouts, often approving partial repairs instead of full replacements, leaving homeowners with incomplete and ineffective solutions.
This is exactly what happened to Jason Gloriosa. After filing his insurance claim, his provider attempted to lowball him, offering to replace only a few asphalt shingles instead of fully restoring his storm-damaged roof.
That’s when The Roof Champion, Travis Haessly, stepped in.
“Then Travis stepped in, exchanged a few professional emails with my insurance contact, and just like that, my roof was fully approved!”
Jason’s experience is not unique—thousands of homeowners face the same struggles.
In this blog, we’ll break down how insurance companies attempt to cut costs, how The Roof Champion ensures fair settlements, and what homeowners can do to protect themselves from lowball offers.
Why Insurance Companies Try to Lowball Homeowners
Insurance companies aren’t in the business of paying out large claims. They are for-profit corporations that look for ways to reduce payouts and protect their bottom line.
Here are some of the most common lowballing tactics insurance companies use:
1. Approving Only Partial Repairs Instead of Full Replacements
Instead of approving full roof replacements, adjusters often claim that only a few shingles or minor sections need fixing—even when the damage is widespread.
💡 How The Roof Champion Fights Back:
✅ Comprehensive roof inspections to document all affected areas
✅ Providing undeniable evidence (drone footage, detailed reports, and industry standards)
✅ Explaining why patchwork repairs won’t provide long-term protection
“They tried to lowball me by only wanting to replace a few asphalt shingles.”
If Jason had accepted this partial repair offer, his roof would have been susceptible to leaks, structural issues, and future damage.
2. Misclassifying Damage as "Cosmetic" Instead of Structural
Many insurance adjusters argue that storm damage is purely cosmetic, meaning the homeowner doesn’t qualify for full repairs.
💡 How The Roof Champion Fights Back:
✅ Uses thermal imaging and drone technology to identify structural weakening
✅ Highlights how compromised shingles impact the entire roofing system
✅ Provides real-world examples of insurance claims where similar damage led to major future problems
3. Delaying the Claims Process to Frustrate Homeowners
One of the most frustrating tactics insurance companies use is delaying responses or requesting unnecessary documentation to wear down homeowners so they eventually give up or accept a lower settlement.
💡 How The Roof Champion Fights Back:
✅ Persistent follow-ups with adjusters to ensure claims aren’t ignored
✅ Understanding state insurance laws to hold companies accountable for delays
✅ Handling all communication so homeowners don’t have to deal with the back-and-forth
“Travis stepped in, exchanged a few professional emails with my insurance contact, and just like that, my roof was fully approved!”
In Jason’s case, just a few well-crafted emails from Travis were enough to reverse the initial lowball offer and secure a full roof replacement.
Why Partial Repairs Are a Bad Deal for Homeowners
When insurance companies push for partial repairs, they put homeowners at risk for long-term issues that could cost thousands in future repairs.
🚫 Mismatched Shingles: New shingles won’t match old ones, leading to aesthetic and structural inconsistencies.
🚫 Underlying Damage Ignored: A few shingle replacements won’t fix deeper storm damage, like moisture buildup and leaks.
🚫 Future Claims Denied: If your insurance company sees a partial repair on record, they may deny future claims, arguing that previous damage was already "fixed."
The best solution is always a full roof replacement when structural integrity is compromised. That’s why The Roof Champion fights for what’s fair.
How The Roof Champion Ensures Full Roof Replacements
Unlike other roofing companies that only provide quotes, Travis actively advocates for homeowners throughout the insurance claim process.
Here’s how:
✅ Step 1: Conducting a Thorough Damage Assessment
Before approaching the insurance company, Travis:
✔️ Uses drone technology to capture high-resolution roof images
✔️ Examines shingles, underlayment, flashing, skylights, and gutters for hidden damage
✔️ Creates a detailed damage report with photos and descriptions
✅ Step 2: Presenting an Irrefutable Case to Insurance Adjusters
Insurance adjusters are trained to deny claims—but they can’t argue against facts and evidence. Travis builds a case using:
✔️ Comparative documentation (before-and-after images)
✔️ Industry standards that require full replacements for certain levels of damage
✔️ Expert knowledge of state insurance laws to push back against unfair denials
✅ Step 3: Handling All Insurance Communication
Many homeowners feel overwhelmed dealing with adjusters. Travis takes care of:
✔️ All claim-related emails and phone calls
✔️ Challenging lowball offers
✔️ Negotiating for a full replacement instead of partial repairs
Jason’s roof replacement review highlights how effective this approach is:
“After Travis stepped in, my roof was fully approved!”
The Final Result: A Seamless Roofing Experience
After fighting for a fair claim settlement, The Roof Champion ensures flawless execution of the roofing project:
🏠 High-quality materials that meet industry standards
🏠 Fast and efficient installation with minimal homeowner disruption
🏠 Thorough cleanup—“not a single nail left behind”
“The construction process went incredibly smoothly, and the crew did an amazing job cleaning up—not a single nail left behind.”
Jason didn’t just get a new roof—he got a stress-free experience with an honest, professional roofer.
How Homeowners Can Protect Themselves from Lowball Insurance Offers
If your insurance company tries to lowball you, don’t settle. Follow these steps to secure a full replacement:
✅ 1. Get a Second Opinion from a Roofing Expert
Insurance adjusters work for the insurance company, not for you.
Always get a licensed roofing contractor like The Roof Champion to inspect your damage before accepting an offer.
✅ 2. Document Everything
Take clear photos and videos immediately after a storm.
Keep a record of all communication with your insurance company.
✅ 3. Don’t Accept the First Offer
If your claim is lowballed or denied, you have the right to challenge it.
The Roof Champion can negotiate on your behalf for a fair settlement.
✅ 4. Know Your Rights
Many homeowners don’t realize that insurance companies are legally required to handle claims fairly.
Travis understands state insurance laws and ensures his clients aren’t taken advantage of.
Final Thoughts: Why You Need a Roofing Advocate, Not Just a Contractor
Jason’s roof claim story is proof that having the right advocate on your side can mean the difference between a denied claim and a fully covered replacement.
Instead of accepting a partial repair, he turned to The Roof Champion, who successfully fought for a full roof replacement with no hassle.
“I will always recommend The Roof Champ!”
Don’t Let Insurance Companies Shortchange You—Call The Roof Champion Today!
📞 Free Roof Inspection & Insurance Claim Assistance
📍 Serving Columbus, Powell, Dublin, and Surrounding Areas
💪 Don’t let a lowball offer cost you thousands—let The Roof Champion fight for what you deserve!
