Are Roofers Insurance Claim Experts?

Unraveling Homeowner Dilemmas: A Personal Account

As a public adjuster, I’ve had countless conversations with homeowners grappling with roof damage from Hurricane Ian. A common thread in these narratives is their interaction with several roofers who uniformly advise that they need a new roof.

Through various mediums like blogs and Facebook advertising, roofers often position themselves as the knights in shining armor who can help homeowners secure new roofs through their insurance claims. This proposition seems beneficial, but let’s delve into the implications.

The Hidden Catch: Understanding the Risks

Roofers typically require homeowners to sign a contract before they extend their assistance in insurance matters. This step can inadvertently make homeowners legally accountable to the roofers for roof replacement costs, irrespective of the insurance company’s decision about the necessity for a new roof.

To build trust, many roofers reassure homeowners of their collaboration with Florida attorneys. However, it’s important to scrutinize the legality of this partnership. It’s illegal for attorneys to use roofers to solicit legal cases, yet this malpractice continues unabated.

Questioning the Credibility of Claim Experts: An Objective Analysis

At this point, we must return to the critical question: can those with a financial interest in your roofing project truly serve as unbiased insurance claim experts? The simple answer is No. These self-proclaimed claim experts carry an inherent bias, as their ultimate goal is to convince you to purchase a new roof.

The True Roof Expert: The Unbiased Roof Engineer

In pursuing an unbiased, educated, and experienced voice in roof damage claims, the role of an experienced roof engineer becomes paramount. Neither roofers nor insurance adjusters qualify as true roof experts. A genuine expert’s opinion, grounded in impartiality and supported by comprehensive knowledge, can stand scrutiny in a court of law.

Insurance companies often resort to using engineering companies to reject roofing claims. These companies can provide robust courtroom support, thereby limiting the financial liability of the insurance company to homeowners or commercial property owners.

Advocating for Your Interests: The Public Adjuster’s Role

As a public adjuster, I frequently recommend that my clients engage an expert roofing engineer who serves the policyholder’s interests rather than the insurance company’s. This unbiased expert will tell it like it is – if your roof doesn’t need replacing, they won’t claim otherwise. Conversely, if your insurance company undervalues your roof, this expert will prepare a defensible report supporting your effort to get a fair settlement for a new roof. Remember, the onus to prove the damages rests on the policyholder under all insurance claims.

Ensuring Fair Roof Damage Claims

If Hurricane Ian damaged your roof and your claim was inadequately paid, Advocate Claims Public Adjusters is here to help. Leveraging our extensive experience and expertise, we can guide you in securing proper payment for your roof claim. Need help navigating this complex process, contact us at phone1 for professional assistance.