Roof Damage Claim

Roof Damage Insurance Claim - Q and A

Q: Hello There, I am a roofing contractor here in Cincinnati and I am having a problem in dealing with these insurance adjusters on claims that involves thier estimates being too low. My price is never the most expensive but these adjusters exact estimates (especially State Farm) are not enough to cover insurances and taxes paid out on labor. If I can provide 3 estimates around the same price, what are the homeowners rights about hiring the roofer to do the job.

A: Bruce before I answer your question you should know I am a licensed Public Insurance Adjuster in Florida, and I am not licensed Ohio. The first thing I would suggest is to contact Xactimate and verify that the correct pricing for Ohio is being used on each line item. Secondly, you should check with the policy holder if overhead and profit are covered on their insurance policy. There is some variability on this issue. If it the homeowner’s insurance policy allows for these items to be covered, then they should be reflected in the insurance adjuster’s estimate. A Public Adjuster would be able to sort out these issues more thoroughly, as Public Adjusters are experts at policy interpretation and coverages, pricing, evaluating damages. The National Association of Public Insurance Adjusters (NAPIA) has a website that can help you and your clients find a Public Adjuster in your area.

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