All Forum Posts by: Chris Milosevich

@Matthew Olszak my insurance company is State Farm. Can you expand on what the "appraisal/legal route" is? I like your idea of contacting the CO department of insurance (DOI) and hiring my own public adjuster so the PA and roofer are working for me and not colluding. Thanks for your insight on the $225 hourly fee, which seemed extremely fishy to me. It's good to know that what’s common is for a PA to charge ~15% of the money paid by the insurance carrier.

@Javier Ramirez thanks also for your advice. Hiring my own public adjuster seems key. Then, if I get a settlement from the insurance carrier, I'll re-engage the roofers.

A roofer is asking me to hire a Public Adjuster (PA) to negotiate a hail claim with my insurance company. The roofer sent me a 1/2 page contract that would let the PA work on my behalf for $225/hour with no cap. I'll talk with the PA soon. Should I:

1) Work with the PA?

2) Look for a PA with a different fee structure? In CO it appears that PAs are not restricted in how they charge fees unless in the case of a "catastrophic disaster" per Colorado Revised Statutes § 10-2-41.

3) Have a different roofing company review my roof?

Background:

A property in Denver, CO was hit with quarter sized hail, a roofing company sees what they consider obvious signs of hail damage, however two different insurance adjusters from my insurance company denied the claim citing that the damage doesn't look new. I see what may be hail damage, but I'm looking with an untrained eye. The roofer had a Public Adjuster review the roof in person and he also feels that the roof has hail damage. Naturally the roofer wants to install a $25K roof, the Public Adjuster wants work and the insurance company wants to mitigate paying out any money. My insurance agent said that my only next step is to submit a request for a third review of my roof, but it's unlikely that the request will be accepted. A neighbor 3 houses away with the same insurance company and same roofer had a hail claim approved for a full roof replacement.

Thank you!