working with an adjuster on roof repair, how to prepare?
I hope that all are having a great labor day.
There were severe storms in my area in the last 30 days and while a tree fell in the backyard, it thought it was something I could handle myself. To make a long story short...there is clearly more damage than I expected. (think roof leaks...several).
My question is this, I have finally called the insurance company and made the claim, however Im concerned about working with the adjuster. I believe that the insurance co.s agenda is to spend as little as possible to resolve my claim. How an I as a homeowner who doesn't know one shingle from another make sure that the adjuster is not trying to cut corners and "repair" when "replace" is what should happen?
I would also like a comment on one option that presented itself that I rejected. Reps for an "independent adjuster:" were canvassing after the storm. Basically the premise was this. You sign to work with the "independent adjuster" who then meets with your adjuster and agrees to a price. If you do not work with the construction co associated with the "adjuster" you are charged a 20 fee as the adjusters fee. This did not smell right to me (m alarm meeter went into gear when they would not allow me to keep th paperwork over night before signing), please let me know if working under this type of agreement is very common.
Id appreciate any help in trying to figure this out. thanks