Why Is a Contractor Asking to See My Home Insurance Claim Estimate?
If you’ve recently filed a home insurance claim for roof damage and a contractor is asking to review your insurance estimate, you might be wondering—why do they need it? At Jenkins Roofing & Construction, we understand that homeowners want to be cautious when sharing claim details. However, allowing your contractor to review your insurance estimate can actually protect you, ensure a fair repair process, and help maximize your claim benefits.
Here’s why it’s important for your contractor to see the insurance estimate:
1. Ensuring All Necessary Repairs Are Covered
Insurance adjusters do their best to assess damage, but they may not always include everything needed to fully restore your roof and home. By reviewing the estimate, our team at Jenkins Roofing can compare it to our professional inspection and check for missing items, such as:
- Hidden damage not listed in the claim
- The correct number of roofing components (flashing, vents, underlayment, etc.)
- Code-required upgrades
If anything is left out, we can help you request a supplement to update your claim and ensure you receive adequate compensation for all necessary repairs.
2. Confirming Fair Market Pricing
Insurance companies use software to generate pricing for materials and labor, but these estimates may not always reflect current market costs. A contractor reviews the estimate to ensure:
- The pricing for shingles, gutters, and other materials is accurate
- Labor costs align with industry standards
- The claim accounts for full replacement when necessary, not just patch repairs
If pricing is too low, we can provide documentation to your insurance company to help them adjust the claim fairly.
3. Avoiding Out-of-Pocket Surprises
One of the biggest concerns for homeowners is unexpected costs. If the insurance estimate does not fully cover your roof replacement, you could be left paying out-of-pocket. By reviewing the claim, we can:
- Identify any missing or overlooked repairs related to your roof and exterior
- Provide documentation and professional estimates to support your claim
- Assist in communicating with your insurance adjuster to ensure all necessary repairs are considered
Our goal is to help you navigate the process with confidence, avoid financial surprises, and ensure your home is properly restored without unnecessary delays or confusion.
4. Preventing Insurance Fraud & Compliance Issues
At Jenkins Roofing, we follow all legal and ethical guidelines when working with insurance claims. Some contractors unlawfully offer to waive deductibles or inflate pricing—both of which can result in insurance fraud. By reviewing your claim, we can make sure:
- The project follows insurance and legal guidelines
- Your deductible is handled correctly and transparently
- You receive the quality of work you deserve
Working with a trustworthy contractor ensures your insurance claim is processed ethically and legally, protecting you from future issues.
5. Helping You Navigate the Claims Process
We understand that dealing with an insurance claim can be overwhelming. At Jenkins Roofing, we make the process easier by:
- Communicating directly with your adjuster (with your permission)
- Explaining confusing terms and paperwork
- Ensuring your project is completed quickly and correctly
Our goal is to advocate for you and make sure you get the best outcome possible for your home.
Trust Jenkins Roofing with Your Insurance Claim
At Jenkins Roofing & Construction, we have extensive experience helping homeowners through storm damage claims. We review insurance estimates not to increase costs—but to protect you and ensure your home gets the repairs it truly needs.
If you have an insurance claim and need a second opinion, contact us today for a free inspection! We’ll make sure you get a fair estimate and quality work.