Why You Should Think Twice Before Hiring a Public Adjuster for Your Roof Claim
When disaster strikes—whether it’s a hailstorm, high winds, or other damage to your home—you’re already dealing with enough stress. Filing a claim should be a step toward relief, not another hurdle. That’s why, at Dickerson Agency, Inc., we believe it’s crucial for homeowners to understand the risks and realities of working with public adjusters, especially for roof claims. While a public adjuster might appear to be an advocate on your side, the truth is often much more complicated—and costly.
What Is a Public Adjuster?
A public adjuster is a licensed insurance professional who represents policyholders during the claims process. They work independently from your insurance company and aim to negotiate a larger payout for your claim. In exchange, they typically take a percentage of the total settlement—often around 10-15%, though some contracts can go even higher.
Sounds good in theory, right? After all, who wouldn’t want someone fighting to get them more money from their insurance company? But here’s the catch: that higher settlement amount doesn’t always mean more money in your pocket.
The True Cost of “Help”
Let’s break this down. Imagine your roof suffers $30,000 worth of storm damage. Your public adjuster successfully negotiates a $35,000 payout instead of the $30,000 initially offered. At 15%, they walk away with $5,250 of your claim payout. That leaves you with $29,750—less than you would have received had you accepted the insurance company’s original offer.
And that’s not even considering that many adjusters lock you into a contract early in the claims process, before you’ve had a chance to explore other options. Once you’ve signed that contract, you’re legally obligated to pay them—even if your claim turns out to be straightforward and didn’t require their involvement in the first place.
The Fine Print Trap
Public adjusters often rush in immediately after a storm hits, offering free inspections and promising to “handle everything” for you. What they don’t highlight is the legally binding contract they want you to sign. These agreements can be difficult to cancel and typically include steep penalties if you try to back out.
At Dickerson Agency, Inc., we’ve seen clients come to us in frustration, realizing too late that they’ve been boxed in by a contract that benefits the adjuster far more than it helps them.
Inflated Claims, Inflated Risk
Some public adjusters may push for inflated repair estimates or questionable contractor choices in order to pad the claim and, in turn, their commission. While this might sound like savvy negotiating, it can open the door to disputes with your insurer, delays in claim processing, and even accusations of fraud.
When it comes to roof claims, this can be especially problematic. Roofing scams are common after storms, and public adjusters sometimes partner with less-than-reputable contractors who promise to “waive your deductible” or use inferior materials—all while the adjuster collects their fee.
What You Should Do Instead
- Call Your Agent First: Your independent insurance agent should be your first call after damage occurs. At Dickerson Agency, we pride ourselves on advocating for our clients. We guide you through the claims process, help you understand your policy, and connect you with trusted, vetted contractors.
- Get a Second Opinion: Before you sign anything with a public adjuster—or even a contractor—get an independent inspection. Many reputable roofing companies will provide a free assessment, which can help you understand the scope of damage without the pressure of signing a contract.
- Document Everything: Take detailed photos and keep notes of conversations. This documentation can be incredibly valuable when communicating with your insurer.
- Ask About Claims Advocacy Services: Some agencies, like ours, offer claims advocacy and support as part of your policy service. We work with your carrier to ensure fair treatment—without taking a cut of your payout.
The Dickerson Difference
At Dickerson Agency, Inc., we’ve been protecting Georgia families for over 30 years. Our commitment to integrity, transparency, and personal service is what sets us apart. We know the insurance industry inside and out, and we use that knowledge to protect your interests—not drain your claim payout.
Roof claims can be stressful, but you don’t have to navigate the process alone—and you certainly shouldn’t have to pay a hefty commission just to get what you’re entitled to. Let us help you get back on your feet without unnecessary fees, contracts, or confusion.
If you’ve experienced storm damage or just have questions about your policy, give us a call. We’re here to help—before, during, and after the storm.
Need Help With a Roof Claim? Call Dickerson Agency today at 770-424-6762 or visit www.dickersonagency.com to speak with a trusted advisor. We’re your local advocate—no extra fees, no gimmicks, just good advice when you need it most.