If your roof is damaged during a storm, file an insurance claim and wait until the adjustor assesses the damage before you sign a contract with a roofing company. Fisk recommends letting a contractor represent you during the adjustor’s visit to make sure the claim includes the full cost of materials and labor.
"You think adjustors have your best interest at heart, but you don't know the lingo," Fisk said. " [Adjustors] work for the insurance company. They pay as little as they can."
Standifer says you don’t have to sign a legal agreement with the contractor before he or she meets with the adjustor on your behalf. But you should recognize that the contractor is trying to get your business, especially when he goes to bat for you and provides whatever documentation the insurance coompany needs to pay the full value of your claim. Standifer recommends picking the company you most trust, and voice early on any concerns you have that will influence your final hiring decision.
Standifer says some homeowners won't share the paperwork for the settled claim with their contractor, hoping to keep a portion of the money by hiring a contractor who offers a cheaper price. But insurance companies won't pay more than it costs to repair or replace the damaged item. He advises homeowners consider more than price when choosing a roofing contractor.
"Quality and materials matters," he says.