It’s common for a roofer’s repair estimate to differ significantly from the insurance company’s assessment. Insurance estimates often restrict the scope of work to reduce costs, while contractors may identify additional damage requiring attention.
Insurers may apply depreciation, standard pricing, or limited repair scopes that do not reflect actual restoration costs. Contractors, on the other hand, provide detailed assessments based on on-site inspections, highlighting issues that may have been missed by the insurance adjuster.
Property owners should provide detailed contractor estimates with supporting photos and descriptions. Comparing these with the insurer’s assessment helps identify discrepancies. Maintain a clear timeline of inspections, estimates, and repairs to strengthen your claim. Understanding these differences empowers property owners to secure settlements that fully cover necessary repairs.
