Insurance Adjusting in Texas

It seems that the new statute passed in September has forced a lot of people to choose between adjusting and other roof-related endeavors. :-)

I am one of them. I made a chunk of change in the last 34 years bending adjusters' arm when they denied a legitimate claim. I only lost 1 arbitration and that was because I let a friend handle it for me. But, those days are gone, I can no longer do that which I was pretty darn good at.

I have a question in to the TDI to see if I am allowed to generate a bid based on the hail damage, then defend my bid with the adjuster "after" he shows up. Gray area - we'll see. Ironically, the new statute is so new that many at TDI do not even know the details without research.

Roofguy Said: I have a question in to the TDI to see if I am allowed to generate a bid based on the hail damage, then defend my bid with the adjuster after he shows up. Gray area - well see.

There is no need to "defend" your proposal unless the insurer is proposing repair over replacement, you are the expert and can give your opinion. You can discuss amount of damage to the property, appropriate replacement, reasonable costs associated with replacement (or repair), with both the insured and the adjuster. If there is no covered damage, then at that point it's moot.

When a loss does require replacement, the insurer is required to replace with "like kind and quality", (unless the loss is excluded in the policy). Have your clients also check their policy under "Settlement Options". It's always good for your clients to understand their policy coverage, it can save a lot of time and frustration.

As a commercial roofing expert, many adjusters rely on you to provide scopes of work and costs to aid them in their settlement with the insured. Just like that hail loss in Midland, you provided a roof report, along with costs and the insurance company used your information, along with other expert opinions to settle their claim with the insured.

The last time an insurance person asked me to break down my bid, I said " I'm providing all the needed materials and doing the work for $ xxxx, labor and materials. " That's it! Maybe it's too easy for them. I dunno! :huh:

Tim It will take more than a few court cases to shake the rust off a long standing situation that was abused by some. The insurance company's were tired of being ripped off and put pressure on the legislation. B) :) :) B) Deep Down In Florida Where The Sun Shines Damn Near Every Day

Could be. I've always submitted my bids and stood pat. If the owner signed and said I was the roofer, the ins. paid if the owner stood pat. That's Mybid. I never bothered with their version of what my costs and bids could be. I always bid what I wanted and needed and never went by their numbers.