Thomas Roofing and General Contracting, LLC is not a Public Insurance Adjuster and is not providing or offering to provide public adjusting services to its customers. As such, nothing you may read on this website or in any of our other materials should be construed as a promise to negotiate your claim. The information and services provided by Thomas Roofing and General Contracting, LLC are limited to evaluating and discussing damage, repair scope and pricing, and then, once approved, making those repairs to the property.
Most homeowners are not in the business of insurance and may only see a couple of claims in their lifetime.
Just like doctors need medical billing teams, you almost can’t be in business as a contractor anymore unless you know how to navigate insurance claims.
Our team has multiple people who started their careers doing inspections and managing the repair process for insurance carriers.
Our project managers work closely with our insurance estimating team daily to make sure we cooperate with your insurance carrier and work as a team to get your home returned to pre-loss condition.
A competent contractor and a conscientious insurance adjuster are perfectly capable of working these out in most situations.
The Texas Department of Insurance commonly known as the DOI, regulates the insurance industry and they have put out this FAQ to help understand who can do what in this process.
May a roofer or contractor discuss the amount of damage to the consumer’s home, the appropriate replacement, and reasonable cost of replacement with the insurance company?
Yes.
A roofer or contractor may discuss these things with the consumer or insurance company to the extent that they are relevant to the estimate to repair damage to the consumer’s home.
May a roofer or contractor advocate on behalf of a consumer and discuss insurance policy coverages and exclusions?
No.
May a roofer or contractor answer questions about its estimate for a consumer's claim?
Yes.
The roofer or contractor may discuss the scope of work in its repair estimate with the consumer or the consumer’s insurance company.
If an original estimate is later found to be insufficient, may a roofer or contractor answer questions about its revised estimate?
Yes. The roofer or contractor may discuss supplements and clarifications concerning the revised estimate with the consumer or the consumer’s insurance company.
What is an insurance adjuster?
A person who investigates or adjusts losses on behalf of an insurer. An insurance adjuster also supervises the handling of claims. For more information, see Texas Insurance Code Section 4101.001.
What is a public insurance adjuster?
A person who acts on behalf of the homeowner to negotiate the settlement of an insurance claim. For more information, see Texas Insurance Code Section 4102.001. A public insurance adjuster may receive compensation.
Source: Frequently Asked Questions (FAQs) - Unlicensed Individuals, Entities Adjusting Claims
Here are some links from the Texas Department of Insurance and the Texas Attorney General that you may find useful in selecting a reputable contractor or roofer in Texas and navigating the claims process.
How to Avoid Home Improvement Scams
How to Work with Your Homeowners Insurance if You Disagree and What the Texas DOI Can Do to Help