Home Improvement Contractor - Licensed Contractors

How to learn to be a roofing contractor dealing with insurance?

How would i learn how to deal with insurance companies to pay for roofs for people when there is storm and whether damage to their roofs.

Public Comments

1. Insurance companies will use only a pre-approved pool of contractors. They either send out their own loss adjusters, who will then go out and determine what should be done. Then they give the jobs to the people on their books. You would typically need £10m liability insurance and have to adhere to codes of conduct and do everything by the book. Roofing would often mean that the people living there may have to be accommodated in a hotel, so they would wnat speed and quality and not a one man band that can not complete the work if he gets ill or something. Secondly they may use a private loss adjuster. This guy will typically know all about the insurance companies and how they work. The clients will sometimes be told by the insurance co to get three quotes from an approved contractor. They find this guy in the Yellow pages. He goes out and then does all the paperwork and gets anybody they want to do the work. They take the risk though. I used to do lots of work for this type of guy, but they always get a lot more than the contractor, but then again they take the risk. Despite running 40 employees and excellent credentials, we could never get into the big insurers. Competition is very tough as well now given the current climate. Insurance clients are informed that the roof costs say £20 000 to fix, you know you are only getting £6 000 and the clients often want you to do little extras and shaft the insurance. They are also of the opinion that a claim is a chance to get even with the insurance. I stopped this kind of work, because the loss adjuster always made the money.