Public adjuster vs roofing contractor: Who does what on a claim?
Last updated · Storm damage & insurance
Short answer: A roofing contractor estimates and performs repairs. A licensed public adjuster represents you to the insurer on claim valuation for a fee. Mixing those roles is limited or banned in several states.
State limits (examples in our footprint)
- Colorado: Roofing contractors shall not claim to be or act as public insurance adjusters; they may discuss scope when they have a valid contract.[1]
- Texas: TDI warns that your roofer cannot be your adjuster.[2]
When homeowners hire a public adjuster
Large, complex, or denied claims sometimes lead homeowners to a licensed PA. Fees are typically a percentage of the settlement — read the contract. A PA does not replace the need for a licensed contractor to do the work.
Having your contractor at the adjuster visit
Many homeowners ask their contractor to attend the inspection to point out damage and discuss line items. That is different from letting an unlicensed salesperson "handle the claim" or demand a blank authorization.
This is general consumer information, not legal or insurance advice. Coverage, deadlines, and rates depend on your policy, your insurer, and your state's laws. Check your policy and contact your state's Department of Insurance if you have questions.
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Frequently asked questions
Should the roofer file my claim for me?
You (or your agent) should open the claim. Contractors can help document; they should not pose as adjusters where banned.
Is a free inspection the same as public adjusting?
No. An inspection documents condition. Negotiating claim value for a fee is adjusting.
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Sources
- C.R.S. 6-22-105. colorado.public.law/statutes/crs_6-22-105
- TDI, Roofing and insurance: know the law. tdi.texas.gov/consumer/storms/roofing-and-insurance-know-the-law.html
- FTC, How to Avoid Scams After Weather Emergencies and Natural Disasters. consumer.ftc.gov/articles/how-avoid-scams-after-weather-emergencies-and-natural-
Sources checked November 4, 2026. Estimates are not quotes. Roofing, insurance, and legal details vary. Confirm with your contractor, insurer, or attorney.