The Ways Adjusters Try to Get Out of Roofing Claims

The Ways Adjusters Try to Get Out of Roofing Claims

Dealing with insurance claims after storm damage or other roofing issues can be stressful, especially when insurance adjusters seem to be looking for ways to avoid paying out on claims. As a homeowner, understanding the tactics that adjusters might use can help you navigate the process with more confidence and ensure that you get the coverage you're entitled to.

At All In One Contractors, we’ve worked with many homeowners who have had to deal with roofing insurance claims, and we understand the challenges that can arise. In this blog, we’ll outline some of the most common ways adjusters try to get out of roofing claims and how

you can protect your rights during the claims process.

1. Downplaying the Severity of the Damage

One of the most common tactics insurance adjusters use is downplaying the severity of the damage to your roof. After a storm or other event, adjusters may claim that the damage is minimal or not severe enough to warrant a full claim.

How to Protect Yourself:

• Get a Professional Inspection: Having a professional roofing contractor, like All In One Contractors, assess the damage can provide you with the necessary evidence to counter the adjuster's assessment.

• Document the Damage: Take clear, detailed photos of the damage before making any repairs. If possible, document everything from different angles to show the full scope of the problem.

2. Blaming Pre-Existing Conditions

Sometimes adjusters will argue that the damage to your roof is not due to a recent storm but rather due to pre-existing conditions or normal wear and tear. While wear and tear may not be covered under your insurance policy, storm damage usually is.

How to Protect Yourself:

• Check Your Policy: Make sure you understand what your insurance policy covers, especially regarding storm or hail damage.

• Get a Second Opinion: If an adjuster claims that damage is due to pre-existing issues, ask a reputable roofing contractor for a second opinion to verify the cause of the damage.

3. Lowballing the Repair Estimate

Insurance adjusters may sometimes offer a lower-than-expected payout for roofing repairs. They might underestimate the costs of materials, labor, or the scope of the repairs needed to fully restore your roof.

How to Protect Yourself:

• Get Multiple Quotes: Always get at least two or three estimates from reputable roofing contractors before accepting the insurance adjuster's payout. This will help you determine if their offer is reasonable.

  
  

• Work with Your Contractor: A reliable roofing contractor can help you communicate with the insurance company and provide evidence to support the need for a more accurate estimate.

4. Claiming the Damage Is Not Covered Under Your Policy

Some adjusters may claim that certain types of roof damage are not covered under your policy, even if they should be. For example, they may argue that hail damage or wind damage is not included, even though it’s clearly stated in your policy.

How to Protect Yourself:

• Review Your Policy: Familiarize yourself with the details of your insurance policy. Many policies include coverage for common weather-related damages like hail, wind, or snow.

• Ask for Written Explanation: If the adjuster denies coverage, ask for a written explanation. This can help you identify discrepancies and push for a fair resolution.

5. Delaying the Claims Process

Some insurance adjusters try to drag out the claims process, hoping that homeowners will become frustrated and settle for less than what they deserve. They may take weeks or even months to finalize the claim or approve repairs, making it difficult to get the necessary repairs completed in a timely manner.

How to Protect Yourself:

• Be Persistent: Stay in constant communication with the adjuster and the insurance company. Follow up regularly to ensure that your claim is being processed efficiently.

• Keep Detailed Records: Document all conversations, emails, and paperwork related to your claim. This will help you stay organized and provide a clear timeline of events if the process is delayed.

6. Using a "Cheaper" Contractor as a Recommendation

Occasionally, an adjuster may recommend a specific contractor to handle your repairs—one that may be more cost-effective for the insurance company but not the best choice for the quality of the work. This could lead to subpar repairs that don’t fully restore your roof.

How to Protect Yourself:

• Choose Your Own Contractor: You are entitled to choose your own contractor. Work with a trusted, licensed, and insured roofing professional like All In One Contractors to ensure that repairs are done correctly and up to code.

• Do Your Research: Before accepting a contractor recommended by the adjuster, research their reputation and reviews to ensure they have a history of high-quality work.

7. Making the Claims Process Overly Complicated

Insurance companies may sometimes make the claims process unnecessarily complicated by requiring excessive documentation, paperwork, or inspections. This can delay your ability to get your roof repaired or replaced, and it may lead you to give up or settle for less.

How to Protect Yourself:

• Work with Your Contractor: A professional roofing contractor can help you navigate the claims process by submitting all the necessary documents and coordinating with the insurance company on your behalf.

• Know Your Rights: Understand your rights as a policyholder, and don’t be afraid to escalate the issue if you believe your claim is being unfairly delayed or denied.

How All In One Contractors Can Help

Dealing with roofing claims can be a headache, but All In One Contractors is here to help. We have extensive experience working with insurance companies to ensure that our clients get the compensation they deserve. If you're having trouble with your roofing claim or need a professional assessment, we can provide a thorough inspection and work directly with your insurance adjuster to make sure your roof is repaired or replaced properly.

Contact All In One Contractors Today!

If you’re facing difficulties with a roofing claim or need expert help navigating the insurance process, call All In One Contractors at 303-663-5615. We’re here to protect your home and ensure you get the repairs you need!