Important: Your roofing contractor should be present while the insurance adjuster is inspecting your home. This is recommended by Texas Department of Insurance and Raptor Roof because the adjuster may overlook and important issue with your claim.
1) After adjuster inspection
An adjuster will perform an inspection and then provide you, the homeowner, a proposal. This should be used a guide for your claim, it is not a final settlement. It is common to resubmit a counter-proposal or even ask for a re-inspection when the scope of work changes.
2) Limits on policy cancellation and rising rates.
If you have to file a homeowner’s policy claim, your insurance company cannot raise your rates or cancel your policy.
3) Don’t always accept the lowest estimate
It is common that an insurance company will ask you to get three roof repair or replacement estimates. Some contractors may perform work for less than the market price, but that typically means corners must be cut somewhere in order to be profitable. It is important to know that the savings on these estimates are not applied to your deductible, they are passed onto your insurance company.