OHIO
Roofing supplement and appraisal clause resources for Ohio contractors and homeowners.
APPRAISAL CLAUSE IN OHIO
Ohio insurance policies typically include appraisal clauses for resolving disputes about loss amounts. Ohio courts have upheld the enforceability of these clauses, providing policyholders with an efficient dispute resolution mechanism.
Insured's fee — not due until after insurance payment is received
*Roof damage only. Additional fees for other damage types.
HOW ADJUSTERS UNDERPAY IN OHIO
Insurance adjusters use Xactimate software to create estimates, but they often use tactics that result in underpayment. Here are common issues we see in Ohio:
Lake Erie region storm damage is often underscoped
Hail damage to older roofing materials is frequently undervalued
Ice dam damage is commonly excluded despite being covered
Urban vs. rural labor rate disparities are significant
COMMON STORM TYPES
OHIO TIPS
- Lake effect weather in northern Ohio creates unique damage patterns
- Document ice dam damage separately from other water damage
- Ohio has specific requirements for contractor licensing
- Older homes in historic districts may require specialized repairs