Denied or underpaid roof claims
The insurer said no, or said yes to a number that won't cover the work. We can document what's wrong with the roof and what it takes to fix it. If you want someone to argue the claim for you, that's a licensed public adjuster's job. Here's how the two fit together.
Where to start after a denial or a low payment
Get it in writing
Ask your insurer for the denial letter or the full estimate, line by line, and a copy of your policy. You can't dispute a decision without seeing the reasons for it.
Get the roof documented
We inspect, measure and photograph the roof, then write an estimate for the repair or replacement it needs. That's the physical evidence any second look at the claim will rely on.
Compare the two
Put the insurer's estimate next to ours. The gap usually comes down to quantities, materials, labor, or parts of the roof that weren't counted.
Decide who argues it
If the gap is real and the insurer won't move, a licensed public adjuster or an insurance attorney can represent you. Check your policy's deadlines early.
What a public adjuster does, and what we do
A public adjuster is licensed by the state to represent you, the policyholder, not the insurance company. They can review your policy and the claim decision, work from the damage evidence and estimates, and negotiate a covered loss on your behalf. They can't guarantee a claim gets approved or that the insurer pays more.
We're a roofing contractor. We inspect the roof, document the damage, estimate the construction work, and do the work. We don't negotiate claims, interpret your policy, or give legal advice. Those are separate jobs with separate licenses, and keeping them apart means you get a roofer's read on the roof and an adjuster's read on the claim.
When the estimate comes in low
An insurer's estimate can leave items out or undercount them. These are the ones we check against our own measurements:
- The roofing itself: shingle, concrete tile, or flat and foam systems
- Decking and underlayment
- Flashing and drip edge
- Ridge caps and starter courses
- Vents and pipe penetrations
- Fascia
- Debris removal, permits and labor
Not every item is covered under every policy. Coverage depends on what caused the damage, your policy's terms and exclusions, and the evidence. Some things only show up once the old roof is off, like rotted decking. We photograph and measure those as we find them, so there's a record if you or your adjuster ask the insurer to reconsider. That request is called a supplement.
Repair or replacement
A damaged roof doesn't always need replacing. The right scope depends on how much of it is damaged, whether matching material is still available, the manufacturer's installation requirements, and building code. We'll tell you what the roof needs. Whether your policy pays for that scope is a coverage question, and that's where an adjuster comes in.
Before you hire a public adjuster
Public adjusters are usually paid a share of what they recover. Before you sign anything, ask:
- Are you licensed in Arizona? You can check with the Arizona Department of Insurance and Financial Institutions.
- What is the fee, and is it in a written agreement?
- Does the fee apply to money the insurer has already offered?
- How do I cancel, and what does that cost?
- What exactly is included?
Work out what you'd keep after the fee, not just the total. You're free to choose your own adjuster, or none at all.
Questions we get asked
Are you a public adjuster?
No. Local Boys Contracting LLC is a licensed Arizona contractor. We provide roofing and construction services, not public adjusting or legal representation.
Will a public adjuster get me more money?
Not necessarily. They can't guarantee an approval or a higher payment, and their fee comes out of what they recover. When there's a clear gap between the insurer's number and the real cost of the work, they can be worth it. When the gap is small, maybe not.
My claim was denied for wear and tear. Is that the end of it?
Sometimes that's the right call. Roofs age, and age isn't a covered event. If you think storm damage was mistaken for wear, get the reasons in writing, have the roof documented, and talk to a licensed public adjuster or an insurance attorney before your policy's deadline.
Can you look at the roof before I decide anything?
Yes. The inspection is free and the written findings are yours to keep, whether you dispute the claim, hire an adjuster, or let it go.
Free inspection
Find out what you're actually dealing with.
No charge, no pressure, and no obligation to use us. You get photos, a written condition report, and a straight answer about how much life is left up there.
- Call or text
- (602) 783-4870
- Email
- [email protected]
- License
- ROC #368084
- Hours
- 8am to 5pm, seven days a week