- Always feels like a tug-of-war, right?
- I usually get at least two contractor quotes and compare them to the insurance estimate line by line.
- If there’s a big gap, I ask both sides to clarify—sometimes the contractor includes stuff insurance won’t cover, or vice versa.
- Photos and detailed invoices help, but honestly, it’s still a hassle.
- Ever notice how insurance adjusters seem to “miss” stuff unless you point it out? Makes me wonder if they’re hoping we just accept the first offer...
Ever notice how insurance adjusters seem to “miss” stuff unless you point it out?
Yeah, I see this all the time. I had a client whose adjuster left off the drip edge and ice shield—basic stuff, really. Once we flagged it, they added it in, but if we hadn’t caught it? Would’ve just been out of pocket. It’s wild how much you have to double-check their math.
It’s frustrating, isn’t it? I’ve run into similar cases where the scope missed things like flashing or even underlayment. Sometimes I wonder if it’s just oversight or if there’s pressure to keep claim costs down. Did you have to go back and forth a lot before they agreed to add those items?
Yeah, it’s wild how often flashing gets left out—like, does anyone actually want a leaky roof? Had a client where we had to submit photos three times before they’d budge. Did you end up needing a contractor’s estimate to back you up?
Had a similar headache last year—adjuster tried to say the old flashing was “serviceable” and didn’t need replacing. I pushed back with a detailed contractor’s estimate and a bunch of photos showing the rust and gaps. Took a few rounds, but they finally caved and covered it. Honestly, I don’t get why they nitpick stuff that’s obviously essential. Sometimes I wonder if they’re just hoping people give up.
