A condo association in Minneapolis, MN filed a hail damage claim after a storm damaged the building’s modified bitumen roof, HVAC units, and exterior metals. The carrier’s initial position was $32,320.56 — covering the metals and minimal HVAC repairs, with no allowance for roof replacement. Gavnat’s licensed public adjusters documented the full scope of loss and invoked the policy’s appraisal clause.
The carrier first declined to participate in the appraisal hearing. After Gavnat pressed the demand, the carrier agreed to proceed. The documented scope showed hail damage well beyond the carrier’s estimate — a compromised modified bitumen roof system, additional HVAC damage, and metals across the building that required replacement rather than spot repair.
The appraisal panel awarded $2,605,500.56, approving full roof replacement, the additional HVAC damage documented in the scope, and replacement of all affected metals on the building.
If your hail claim was underpaid, denied, or feels stuck, Gavnat’s licensed public adjusters can review your policy and your loss at no cost. Request a claim review.
