LRG Claims Case Study
Texas School District Hail Claim
An anonymized case study involving seven Texas school campuses with approximately 576,000 square feet of hail-damaged roofing. The carrier initially estimated the loss at $1.9 million and issued a $1.4 million payment. After LRG Claims documented and presented the property-wide loss, the claim ultimately resolved for a $7.5 million settlement.
Case Overview
Executive Summary
In March 2019, a hailstorm affected seven school campuses in Texas. The loss involved approximately 576,000 square feet of roofing, exterior elevations, roof-mounted HVAC equipment, and water-entry points created by storm damage.
The carrier cited pre-existing damage and took the position that the claimed damage did not occur during its policy period. Before LRG Claims became involved, the carrier prepared a $1.9 million estimate and issued a $1.4 million actual-cash-value payment. The documented claim also involved omitted damage, depreciation, delayed investigation or payment, building-code considerations, scope and repair-method disputes, valuation issues, and the complexity of multiple campuses.
LRG Claims provided policyholder representation through campus-wide inspections, photographs, moisture readings, roof-core sampling, material-specification review, measurements, estimating, policy review, proof-of-loss preparation, expert and vendor coordination, carrier meetings, claim presentation, and settlement support. The claim ultimately resolved for a documented $7.5 million settlement, representing an additional $6.1 million beyond the initial payment.
Property and Claim Conditions
The School Campuses, Hail Loss, and Initial Claim Challenge
Seven Education Campuses and Athletic Facilities
- Property: Seven Texas school campuses containing education facilities and athletic venues.
- Roof area: Approximately 576,000 square feet of documented hail-related roof damage.
- Affected systems: Roofing assemblies, exterior elevations, roof-mounted HVAC equipment, and areas where damage created water-entry points.
- Cause of loss: A hailstorm affected all insured locations.
- Immediate response: The district retained a roofing contractor to perform temporary repairs, and LRG later coordinated with the contractor and qualified experts to evaluate the loss.
Disputed Timing, Omitted Damage, and an Underpaid Multi-Campus Loss
- The carrier cited pre-existing damage and disputed whether the hail damage occurred during its policy period.
- The initial carrier estimate was $1.9 million, followed by an initial $1.4 million actual-cash-value payment.
- The documented issues included incomplete estimating, missing or omitted damage, depreciation, delayed investigation or payment, and disputed causation.
- Building-code considerations, scope and repair-method disagreements, specialty systems, pricing, valuation, and multiple campuses increased the complexity of the claim.
LRG Claims' Approach
A Campus-Wide Hail Claim Documentation Process
LRG followed a structured property insurance claim process focused on inspecting each campus, documenting hail damage, identifying roof assemblies and specifications, preparing a comprehensive estimate, and presenting evidence supporting the district's claim.
Inspect Every Campus
LRG inspected the affected properties, roofing systems, exterior elevations, roof-mounted HVAC equipment, and areas where storm damage contributed to water entry.
Document and Verify Damage
LRG documented the loss through photographs, measurements, moisture readings, expert reports, roof-core samples, and material specifications.
Develop the Scope and Estimate
LRG prepared a comprehensive scope of work and Xactimate estimate using an appropriate price list, together with specialty-item pricing from experienced vendors.
Present, Coordinate, and Negotiate
LRG presented the claim package, coordinated information with carrier-retained restoration professionals, building consultants, and engineering representatives, and continued settlement discussions by telephone, email, and in person.
Claim Timeline
From the Hail Loss Through Claim Resolution
Documented Outcome
From a $1.9 Million Initial Estimate to a $7.5 Million Settlement
The intake documents a $1.9 million initial carrier estimate and a $1.4 million actual-cash-value payment. After LRG's campus-wide inspections, damage documentation, roof-core sampling, material review, estimate development, proof-of-loss preparation, expert coordination, claim presentation, and settlement support, the claim ultimately resolved for $7.5 million. The documented increase beyond the initial payment was $6.1 million.
Why This Case Matters
School District Hail Claims Require Consistent Campus-Wide Documentation
A hail loss affecting multiple campuses can involve different roof assemblies, exterior systems, HVAC equipment, temporary repairs, water-entry points, code requirements, and disputed causation. This case illustrates the importance of evaluating every location, documenting materials and damage consistently, coordinating qualified support, and presenting a complete claim rather than relying only on a limited initial estimate.
LRG Claims assists school districts, public entities, institutions, and other policyholders with hail damage claims, roof claims, multi-building losses, and disputed or underpaid property insurance claims.
Related Claim Resources
Learn More About Similar Property Claims
These related pages provide additional information about school district losses, hail and roof damage, Texas representation, and other documented LRG Claims case studies.
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LRG Claims represents policyholders, not insurance companies. Contact our team to discuss a school district, public entity, institutional, commercial, municipal, multi-building, or other property insurance claim.
Client and insurer identities are withheld. This case study describes the facts and outcome of one property insurance claim based on the documented intake information provided. 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.
