What If My Home Insurance Is Offering Less to Repair My Roof Than It Costs?

What If My Home Insurance Is Offering Less to Repair My Roof Than It Costs?

It is common for your home insurance company to payout a less amount on an insurance claim than it costs to make the repairs. This is called an “underpaid claim,” and it can happen quite often with roof repairs because there are so many variables in roof damage and repair. The insurance company may not realize the extent to which the damage has occurred, or may not completely understand the scope of the losses.

When this happens, it is best to seek the help of an insurance claims adjuster. Public Loss Adjusters are sort of like public accountants, in that they offer a an independent, professional estimate on the damage and quote on the cost of repairs.

Public Loss Adjusters for Roofing Repair Claims

At Red Dirt Construction, we are the roofing repair company, and we work with our sister company Claim Tech Public Loss Adjusters to help you with filing the claim. This allows our residential and commercial roofing construction clients the assistance they need in filing an insurance claim or resolving underpayment or insurance disputes.

“You are a number to the insurance companies, but you are NOT A NUMBER TO US!!! You are a client whom we will represent and fight for to get you the coverage you deserve: The coverage you’ve been paying for (through premiums) your whole life!”

How Public Adjusters Work

If you go straight to your insurance first with a roof repair claim, they will likely send out THEIR OWN insurance estimator and loss adjuster. This adjuster works for the insurance company and is trying to lower the estimate for the insurance company’s benefit — as they want to save money. However, you have the right to also hire your own public loss adjuster for roofing repairs. That adjuster works for YOUR benefit, and is working to get an accurate quote that covers the full cost of repairs.

How Do Public Adjusters Get Paid?

Public adjusters get paid by whatever form you and your adjuster work out. They may request an hourly rate, a flat rate, or a percentage of the final claim payment.

How Do I Work With Both a Public Loss Adjuster AND A Roofing Repair Company?

By working with Red Dirt Construction, we can partner you with our sister-company “Claim Tech Public Adjusters.” This gives you the benefit of both a claims adjuster and roofing repair contractor all from one source. Start by Contacting Us At Red Dirt Construction. We will help you with your homeowner’s policy claim and any questions you have about the process.