Insurance Claims

What We Do

• Document damage with test squares, per slope counts, located photos, soft metal evidence and interior moisture readings
• Write a line item scope in carrier estimating language
• Include code items initial estimates omit
• Include interior damage, the most underscoped part of any claim
• Meet your adjuster on the roof
• Invoice for depreciation

What We Will Not Do

• Act as your representative with the carrier. In Texas, adjusting a claim on behalf of a policyholder requires a public adjuster license, and a contractor negotiating your settlement is operating outside the law
• File the claim for you
• Pay, waive, rebate or absorb your deductible. Texas Business and Commerce Code 27.02 makes it a criminal offense and makes you a participant
• Ask you to sign anything that assigns your claim to us. Read whatever a contractor puts in front of you, because some inspection authorizations are contracts

How The Money Arrives

1. You file the claim
2. The adjuster inspects and writes a scope
3. The carrier issues actual cash value, meaning replacement cost minus depreciation minus your deductible. This first payment is less than the job costs and it is supposed to be
4. Work is completed and invoiced
5. The carrier releases the depreciation once it has proof the work was done

A contractor who takes the first payment and disappears leaves you unable to claim the depreciation, because there is no completed work to document. One promising to do the whole job for exactly that first payment is either cutting the scope or does not understand how the payments work.

Terms Worth Knowing

If your claim is denied or underpaid, ask for the adjuster's report with damage counts per square per slope and compare it against ours. A re-inspection is often enough. Beyond that your options are a public adjuster or an attorney, not a contractor. We hand over every photo and measurement we have.