The Roof Claim

May 15th, 2024

Client Question:Why Do I Need a Public Adjuster (P.A.) to Navigate Roof Damage Claims?

Great question, and our most common one, because in South Florida roof damage can happen anytime for various reasons.  Whether the damage happens suddenly, or it happens over time makes a difference.

When the roof over your head is compromised, it’s not just a matter of fixing shingles or patching leaks; it’s about protecting your investment and ensuring the safety and integrity of your property.  Since long-term damage is not covered, a very common mistake is to ignore a small leak that appears or a crack that is starting to crawl across the support wall.  No matter how small you think an issue is, it’s prudent to make the call to a P.A.  Why not?  There is no fee to have a P.A. inspect your home in its entirety or for a specific concern and you only pay when your P.A. wins the case . If any P.A. wants to charge you for this service walk away and call a State Licensed Public Adjuster. 

Ok, back on track.  Roof damage claims can be complex and often leave property owners feeling overwhelmed by the intricacies of insurance policies and the claims process.  That is EXACTLY what insurance companies want – to intimidate and overwhelm you into submission so that you never end up filing a claim.  If you need surgery, you call a licensed surgeon, if you are accused of a crime, you call a licensed Lawyer.  The same holds true for when you need to battle your insurance company – you call a licensed P.A. who has trained and earned a P.A. degree including passing a rigorous state exam.  In this blog, we’ll explore why property owners need the expertise of public adjusters to navigate roof damage claims effectively.

Before I explain, I might say this next quote in every blog I post because it’s a mind-blowing fact and something every homeowner should know.  Homeowners who use a P.A. instead of trying to work with the insurance company alone, on average, collect 741% more in the final claim total.  That’s not a typo, 741% more on average.  (

Now let’s discuss why homeowners need the expertise of a P.A.

  1. Understanding The Insurance Policy:  It’s no accident that insurance policies are long, confusing documents that seem, purposely, to try and confuse homeowners about what is and is not covered.  Conversely, an E3 P.A. reads hundreds of policies a year, and specialize in understanding the policy, determining the extent of coverage and interpreting the language for roof damage claims.  Make no mistake, the first thing that a homeowner will realize when they start dealing with “their insurance company”, is they are not on your team.  They have one goal and one goal only, to deny your claim and hope that you accept their decision.  $0 is the amount they want to pay for every claim without exception.  By partnering with P.A. homeowners immediately increase the probability that they will maximize their coverage and receive the money they deserve for their claim.  
  1. Negotiation Skills:  Repeat after me, “There is no substitute for experience”.  Never forget that there is an art to negotiating with an insurance company and the first lesson learned is that Insurance Adjusters (not to be confused with Public Adjusters) work for the insurance company.  They are commissioned with one goal and that’s to payout as close to $0 as possible on all claims.  You are just a number to them.  The last thing an insurance company wants is for the homeowner to hire a P.A. and E3 is “your insurance companies’ worst nightmare”.  Specifically with roof damage claims. We are experienced in presenting compelling evidence and documentation that makes it close to impossible for the insurance company to deny the claim and make it stick.  E3 Adjusters can effectively negotiate to ensure property owners get fair and equitable compensation for their roof damage.
  1. Expert Assessment: While a property owner might notice missing shingles or water stains on the ceiling, an E3 public adjuster has the expertise to conduct a thorough assessment, identifying both visible and hidden damage that a homeowner might miss.  From compromised flashing (Roof “flashing” is a thin material, usually galvanized steel, that professional roofers use to direct water away from critical areas of the roof) to underlying structural issues, a comprehensive assessment ensures that all aspects of the roof damage are documented accurately, laying the foundation for a successful insurance claim.  I repeat the phrase on a regular basis: “No More, No Less”, because that is what you are entitled to for paying your premiums for all those years.  Restoring your home to the condition it was in prior to the claim “No More, No Less”.  A trained P.A. knows how to calculate exactly what that number is.
  1. Peace of Mind: Dealing with roof damage can be stressful and overwhelming for property owners, especially when trying to navigate the complex insurance claims process alone. By entrusting their roof damage claim to an E3 public adjuster, property owners gain peace of mind knowing that they have a knowledgeable advocate on their side. We guide our clients through every step of the process, and we will work tirelessly to achieve the best possible outcome.  At E3, we recommend that you concentrate on the things you enjoy and let us tend to the daily maintenance of the roof claim.

Conclusion: Property owners facing roof damage need the expertise, advocacy, and support that only a public adjuster can provide. From expert assessment and insurance policy interpretation to skilled negotiation and unwavering support, public adjusters play a crucial role in helping property owners navigate the complexities of roof damage claims with confidence and peace of mind.


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