Insurance · Pros

Public adjuster or roofer — who runs your claim?

Both a public adjuster and a good roofer can advocate for you with the insurance company. They charge differently, fight different battles, and have different conflicts of interest. Here's how to choose.

What each one does

A roofer specializes in the construction work — measuring damage, scoping the repair or replacement, and executing the build. A public adjuster specializes in the insurance side — interpreting your policy, negotiating the scope and dollars with the carrier's adjuster, and handling supplements. They're different professions even though they sometimes overlap.

When a good roofer is enough

For straightforward claims, a competent storm-damage roofer can handle everything. Hire a roofer-only if:

  • Damage is clear and well-documented (NOAA-confirmed storm event)
  • Carrier's first offer is reasonable (within 80% of contractor estimate)
  • Your roof is under 12 years old (less depreciation fight)
  • You can be present and engaged during the adjuster meeting
  • The total claim is under $20,000

When you need a public adjuster

Hire a PA when the claim is complex, contested, or large:

  • Carrier denied your claim or offered far below your estimate
  • Multiple structures damaged (roof + siding + interior)
  • Total claim exceeds $25,000
  • Cosmetic-damage exclusion is being used to deny valid damage
  • You don't have time or energy to manage the back-and-forth
  • This is a complete-replacement claim with significant code-upgrade exposure

How they get paid

Both roles are paid out of your settlement, but the structures differ:

  • Roofer: paid for the build out of your insurance settlement (you sign the check over). No fee for advocacy work — they make their margin on the construction. This creates an incentive to push for a full replacement (more revenue) even when a repair would suffice
  • Public adjuster: typically 10-15% of the total settlement. Strong incentive to maximize the dollar value of the claim. No incentive on the construction side — you're free to choose any contractor after they win the settlement
  • Hybrid: some companies offer roofer + PA together. This raises a conflict-of-interest concern — the same entity advocating for the claim AND building the work has incentives to over-scope. Be wary

Red flags in both

Whichever you hire, walk away if you see these:

  • Door-knocking after a storm without you contacting them first ('storm chaser' pattern)
  • Pressure to sign an Assignment of Benefits (AOB) — it gives them control of your claim payout
  • 'We'll waive your deductible' — this is insurance fraud and you'll be on the hook
  • Refuses to provide written contract or fee structure upfront
  • Out-of-state contractor address — they'll disappear after the job
  • No verifiable license, insurance, or local references

The hybrid: roofer who manages the claim for you

Some local roofers will handle the claim communication for you without charging extra (they're paid via the construction). This is the sweet spot for most homeowners — you get advocacy without paying a separate PA fee. Look for roofers who specifically advertise insurance-claim support, who employ a dedicated claim coordinator (not just the salesperson), and who have a documented multi-year track record in your specific carrier's claim processes.

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FAQ Common questions

Frequently asked.

Can I hire both a roofer and a public adjuster?
Yes, and for large or contested claims it's the right move. The PA wins the settlement (10-15% fee), then you separately hire a roofer to do the work. The total cost is more than either alone but the settlement is usually 30-50% larger than what the carrier would have offered without representation.
Will the insurance company tell me to use their preferred contractor?
They might suggest one, but you're not obligated. Your policy gives you the right to choose any licensed, insured contractor. Carrier-preferred contractors often have agreements to stay within the carrier's scope, which means less negotiating leverage on your behalf. Pick your own.
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