Articles
Everything written for people working out what to do about a roof.
12 pages in 4 groups.
Denied
- Roof Claim Denied? What to Do Next
Why roof insurance claims get denied, how to read a denial letter, and the steps to challenge it: reinspection, appeal letter, appraisal and complaints.
Professionals
- How public adjuster licensing works, and how to check one yourself
How public adjuster licensing works state by state, what the license permits, how reciprocity and nonresident licenses work, and how to verify one yourself.
- Public Adjusters: When to Hire One for a Roof Claim
What a public adjuster does, how they are licensed and paid, how they differ from the insurer's adjuster and a roofer, and when hiring one makes sense.
- Finding a licensed public adjuster, and checking they are one
How to find a licensed public adjuster: verifying the license with your state, what the role covers, how fees work and the red flags worth walking away from.
- What a public adjuster can change, at each stage of a claim
What a public adjuster can and cannot change at each stage of a roof insurance claim, from before filing to after a settlement has already been paid.
- When a roof damage claim needs a lawyer
When a roof damage claim needs a lawyer rather than better documentation, how property claim lawyers usually work, and what to do before you engage one.
- What a public insurance adjuster is, and who they answer to
What a public insurance adjuster is, who they work for, what their license permits on a roof claim, how to verify one and what they cannot do for you.
- Who can help with a roof insurance claim, and what each one does
The six kinds of roof insurance claim assistance, what each one can and cannot do, how they are paid, and when a claim actually needs more than evidence.
- What a public claims adjuster does, and what the fee actually costs you
What a public claims adjuster does on a roof claim, how the fee is structured, what the contract must state and when paying a share of the recovery pays off.
- When a hail damage claim needs an attorney
When a hail damage claim needs an attorney, how roof claim attorneys usually charge, what to prepare first and what evidence has to exist before anyone can act.
Scams
- Roof Insurance Claim Scams and Storm Chasers
How to spot storm chaser roofing scams and risky contracts after a storm, including assignment of benefits, and how to protect your claim.
Underpaid
- Underpaid Roof Claims and Recoverable Depreciation
Why roof claim payouts come in low: depreciation, missing line items, matching and scope. How recoverable depreciation, supplements and appraisal work.