When Insurance Settlements Don't Cover Actual Roof Repair Costs
Many property owners receive insurance settlements that are significantly lower than actual roof repair costs, leaving them unable to complete necessary repairs. Insurance companies often use outdated pricing, inadequate damage assessments, or artificial depreciation to minimize settlements. ERS Contractor's insurance claims specialists specialize in challenging underpaid roof claims and securing supplemental payments to cover actual repair costs.
Why Insurance Companies Underpay Roof Claims
Outdated Pricing Data
Insurance companies use outdated pricing that doesn't reflect current material and labor costs, resulting in inadequate settlements.
Incomplete Damage Assessment
Insurance adjusters may miss hidden damage or underestimate repair scope, leading to insufficient settlement amounts.
Excessive Depreciation
Inappropriate depreciation calculations reduce settlements below actual replacement costs, especially for newer roofing systems.
Minimized Scope of Work
Reducing repair scope to lower settlement amounts, often excluding necessary ancillary work like decking, underlayment, or code upgrades.
Strategies for Increasing Low Roof Insurance Settlements
Professional insurance claims specialists typically increase roof insurance settlements by 40-60% through proper documentation, accurate pricing, and skilled negotiation. Our team understands local Tampa Bay repair costs, insurance company tactics, and policy interpretation that enables successful settlement increases.