Why Roofers Don't Need Traditional Public Adjusters Anymore

For decades, roofing contractors have been told they need to bring in a public adjuster when insurance companies underpay claims. These adjusters typically charge 10-20% of the settlement — which on a $25,000 claim means $2,500 to $5,000 coming out of someone's pocket. But here's the question nobody asks: why should they get that money when you and your customer have already done most of the work?

Think about it. The homeowner has already filed the claim. You've already inspected the roof, documented the damage, and provided your professional assessment. The insurance company has already sent their adjuster. All the heavy lifting is done. So why does a traditional public adjuster deserve thousands of dollars just to create an estimate and negotiate?

At Proclaim Help, we're licensed public adjusters who believe the old model is broken. We've seen too many roofers and homeowners lose money they shouldn't have to lose. That's why we created a flat-fee alternative. For just $199, we create the same professional Xactimate supplement that any public adjuster would create — the same software, the same line items, the same level of detail. The only difference? You keep the rest of the money.

The insurance industry uses Xactimate software to create their estimates, and they count on the fact that most contractors don't have access to it or don't know how to use it effectively. When their adjuster creates an estimate that's $8,000 below what the job actually costs, they're betting you won't have the tools to fight back. Our supplements level the playing field by documenting everything they missed — code upgrades, manufacturer specifications, proper scope of work — all in the same format and language the insurance company uses.

But what happens when the insurance company still won't budge? That's where the appraisal clause comes in. Hidden in almost every insurance policy is a provision that allows the homeowner to demand an independent appraisal when there's a dispute about the amount of loss. It's like arbitration, but specifically for determining the value of the claim. We handle this process for a flat $750 fee — and here's the best part: it's the insured's fee (not the roofer's), and it's not due until after the insurance company has already paid the claim.

Compare that to a traditional public adjuster who would take 15% of a $30,000 settlement — that's $4,500. With our model, the total cost is $949 ($199 supplement + $750 appraisal), and the homeowner keeps an extra $3,551. That's money that can go toward upgrades, or simply stay in their pocket where it belongs.

The roofing industry is changing. Contractors are realizing they don't need to give away thousands of dollars to middlemen who show up after all the real work is done. They need partners who understand the insurance game and charge fairly for their expertise. That's exactly what we provide — licensed public adjuster knowledge at a fraction of the traditional cost.

If you're a roofing contractor tired of watching your customers lose money to percentage-based public adjusters, or if you're a homeowner who wants to maximize your claim without giving up a huge chunk of your settlement, there's a better way. Focus on what you do best — we'll handle the paperwork.