10/04/2026
Story time for a recent claim we handled❤️🤏🏽
A insurance claim was filed for storm damage and initially denied, with no covered damage reported to be found by the insurance company.
One Stop Property Services got involved and started doing what we do best. We immediately started reviewing policy coverage and language, obtaining and preserving all the important facts and evidence, and presenting our findings to the insurance company for additional consideration.
The insurance company then took back the denial and paid $750 for repairs; which we did not agree with. After more negotiations, the insurance company then came back out and wrote a new repair estimate for $3,500; which again did not align with the damage.
After more back-and-forth, disputing the fine details and arguing policy coverage, we successfully got our client everything she was owed by her policy which was $31,000.00. She was able to fully repair her house and not be out of pocket any more than the deductible.
Denied -> $750 bucks -> $3500 -> $31,000.00
And what got us there???
When we reviewed the policy alongside the local code requirements. We identified applicable code coverage and pushed to have it addressed.
Because we know what we’re doing and knowledgeable, we’re able to have tough and meaningful negotiations to achieve positive outcomes. Very confidentially as well. Our background, knowledge, and experience in insurance is another important component.
One Stop Property Services coordinated the insurance inspections, wrote our own estimate, and kept working through it with the insurance company advocating for our client every step of the way.
If there is something missed, overlooked, or wrong; we’re going to know and have our clients side. However, If something is truly not covered, we will be transparent and open in that. We are not in the business of committing insurance fraud, unfortunately.. 😅
Our owner and licensed Public Adjuster, Dilon Rader has a vast background in insurance. Dilon started his insurance career first in agency writing and selling insurance policies. A few years later, Dilon then moved to a claims specialist role traveling all over the USA for the largest property insurance company in America, working catastrophe event property claims (wildfires, tornados, hailstorms, earthquakes, hurricanes, etc).
Fun fact - Dilon was deployed to Nebraska in 2024 for the Elkhorn tornado event, which ultimately led to him moving to Nebraska from Kansas and later starting One Stop 🙂
Dilon has worked 1000s of claims, written estimates for all types of damage, and been on the insurance company side reviewing claims just like this one for many years. This experience allows One Stop to have a strong backing in addressing disputes on coverage issues.
So, when you have us looking at your claim, we’re looking at more than how many shingles need replaced and writing an estimate. We’re reading what your policy says, drafting a coverage analysis, building the case, and presenting it in the best way possible to your insurance company. Making sure that not 1 cent that is owed is unpaid by insurance. We have the same tools and estimating software as the carriers, making it all for a very smooth experience.
Now a quick PSA which is said very cautiously: Homeowners and Business owners… please ask questions before letting a salesperson, roofer, or any unlicensed person or company take over your claim. “We work with insurance” or “we can get it approved by insurance” provides no backing and is just a giant red flag. If an individual is not licensed as a Public Adjuster and trying to argue policy or anything that is not already listed in an insurance estimate, don’t confuse their sales pitch with insurance expertise. Because, in the end, you’re the one left paying for whatever doesn’t get covered.
Most insurance policies put the burden of proving the loss/cause of damage on you, the policyholder. This is why it’s so important to have someone on your side who can ensure crucial steps are not overlooked or missed when insurance is involved. Not to mention a company that is LICENSED to legally have those conversations with your insurance company, whom then can communicate and coordinate services with said repair company… We handle the claim, they fix the damage. Typically how it works…. anyways this is awkward 👉👈🥹 have you ever been to Krispy Kreme before?
So with all this said. If you’re thinking of filling a claim, someone door knocked you and said they see hail damage to your roof from the street and you want a second opinion, you have a claim and have been denied coverage, or you’re staring at an insurance estimate wondering how the f-word it’s supposed to cover your repairs, shoot us a message, give us a call, or text us. We’re good people and here to help.
One Stop Property Services
402-513-9858
[email protected]
