LRG Claims Case Study
Multi-Campus School District Hail Claim
An anonymized case study showing how a six-campus Texas school district hail claim was investigated, documented, and ultimately resolved for $8,642,653 after an initial $0 carrier payment position.
Case Overview
Executive Summary
On , a severe hailstorm affected six public-school campus locations in the San Antonio area. The insurer's initial assessment concluded that covered damage did not exceed the district's $50,000 deductible, and no payment was issued. The district retained LRG Claims in May 2016 to independently investigate, document, quantify, and present the claim. After a multi-location inspection, detailed damage documentation, estimate development, and continued claim presentation and settlement discussions, the claim was resolved in October 2016 for a documented settlement of $8,642,653.
The loss involved the kinds of multi-building issues frequently encountered in school district property insurance claims, including extensive hail damage, multiple roofing systems, rooftop solar equipment, code considerations, and specialty property components.
Property and Claim Conditions
The Property, Loss, and Initial Challenge
Six Campuses With Multiple Building Systems
- Portfolio: Six public-school campuses and support facilities used for education, athletics, and bus maintenance, all within approximately 1.2 miles.
- Reported event: Hail up to 3 inches in diameter in the San Antonio region.
- Roofing: 686,676 square feet of modified bitumen and 65,870 square feet of metal roofing.
- Other systems: 1,860 solar panels, more than 2,400 linear feet of fiberglass pipe insulation, stadium lighting, wall panels, windows, and HVAC ductwork.
A Limited Initial Assessment and No Carrier Payment
- The first carrier inspection identified solar-panel damage but no roof damage.
- The insurer advised that damage did not exceed the $50,000 deductible and issued no payment.
- No initial damage estimate was provided by the first adjuster; a third-party consultant was later engaged.
- Multiple roof systems, code-upgrade considerations, and specialty components required detailed, building-by-building documentation.
LRG Claims' Approach
A Coordinated Process for a Complex, Multi-Location Loss
The work followed a structured property insurance claim process focused on inspection, documentation, estimating, presentation, and continued carrier engagement.
Inspect and Document
LRG inspected each roof, measured hail-impact locations, and photographed damage across all six locations.
Confirm Roof Assemblies
Core samples and material specifications were used to identify roof systems and support the documented scope of damage.
Develop the Claim Scope
LRG prepared a comprehensive scope and Xactimate estimate using the applicable price list and specialty-vendor pricing.
Present and Support the Claim
LRG participated in independent and joint inspections, presented the claim package, and continued discussions by telephone, email, and in person.
Claim Timeline
From Loss to Resolution
Documented Outcome
From an Initial $0 Payment Position to an $8.64 Million Settlement
LRG's building-by-building investigation gave the district a documented basis to present the full scope of hail-related damage across multiple campuses, roofing systems, solar components, and exterior property. The claim was resolved in approximately five months.
Why This Case Matters
Large Property Portfolios Require Consistent, Property-Wide Documentation
Complex, multi-location losses can be difficult to evaluate through a limited initial inspection. This case demonstrates the value of a consistent portfolio-wide investigation, clear measurements and photographs, support for specialty items, and a complete, evidence-based claim presentation before the policyholder resolves the claim.
LRG Claims assists public entities and institutional policyholders with multi-building losses, including commercial property claims, school facility claims, and losses involving disputed or incomplete insurer estimates.
Related Claim Resources
Learn More About Similar Property Claims
These related pages provide additional information about the claim type, property category, roof issues, and local service area discussed in this case study.
Managing a Large or Complex Property Claim?
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LRG Claims represents policyholders, not insurance companies. Contact our team to discuss a school district, commercial, municipal, institutional, or other complex property insurance claim.
Client and insurer names are withheld. This case study describes the facts and outcome of one property insurance claim. Every claim is different. Results depend on the policy, cause and extent of damage, available documentation, insurer position, applicable law, and other circumstances. Past results do not guarantee or predict the outcome of another claim. Public adjusting services are regulated by state law. Availability and fee structures vary by state.
