Best Answer: A roofer can't work in the capacity as a claims adjuster. Only a claims adjuster can work as a claims adjuster. The company I work for, does ...
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MSAD 2:02 pm on August 6, 2010
A roofer can’t work in the capacity as a claims adjuster. Only a claims adjuster can work as a claims adjuster.
The company I work for, does not use roofers to inspect homes. We send out adjusters to do it.
Many roofing companies will look at a roof and tell the homeowner to turn in a claim. Once the claim gets turned in, I get assigned to go look at the roof. Sometimes, I go out to look at a roof and there is no hail damage (even though a roofer told the homeowner there was…..there are just some roofers who have never seen a roof that did not need to be replaced, in their opinion). If there is damage, I write an estimate and issue a check. If there is no damage, I discuss my findings with the home owner. I’ll even show the homeowner the photos I took.
Most roofers don’t push it if I tell them we are not paying to replace the roof. Every now and then you get one who does. But that usually just consists of the roofer getting rude on the phone. If I have to, I’ll have a supervisor or an engineer re-inspect the roof.
Some roofing companies have contracts they have the homeowner sign. These contracts give the roofer the right to act on your behalf. To invoke provisions in your policy (such as the appraisal clause). Personally, I’m not a fan of those. Not because I don’t want to work with the roofer – but I don’t think our policy holders realize what they are signing. That you are giving the roofer the authority to act as you.
A roofer can only act like a roofer. A guy who wants to get paid to replace the shingles on your home.
A claims adjuster is the one that determines coverage, determines how much to pay and actually issues the check.
No, a roofer can not act like a claims adjuster. And if this guy is telling you that – may be worth getting a second opinion from another reputable roofer in your area.
Freddy Fuhktarred 2:02 pm on August 6, 2010
Sure, as long as you aren’t working on claims for roofs you installed or worked on. That would be a conflict of interests (obviously).
StephenWeinstein 2:02 pm on August 6, 2010
Get this person off your property, immediately. This is a clear case of a roofer telling you that insurance will pay for something, so that you will allow the roofer to begin the work, before you learn that it is a scam and that you will have to pay the roofer.
A "claims adjuster" is an employee of an insurance company, and not a capacity in which anyone can work "with" the insurance company. Either they work "for" the insurance company, and that is their job, or they do not work as a claims adjuster.
Caveat Emptor 2:02 pm on August 6, 2010
I think you misunderstood. He can work WITH the claims adjuster – but not BE the claims adjuster. Insurance companies select their OWN adjusters.
mbrcatz 2:02 pm on August 6, 2010
It’s pretty unlikely that he’s officially a claims adjuster. And in most states, acting as an adjuster without a license, is illegal.
But it’s pretty common for roofers – and other contractors – to act as a claims coordinator WITH your adjuster.
BUT. Before you jump in and file that claim, I’d get a second opinion – pay another roofer $100 to just get up there, knowing that they’re NOT going to get the job, and ask if there’s hail damage. Or you yourself can get up there, and look for pings in the shingles.
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