08 Nov Quote vs. Payout: What to Do If Your Insurance Payout Is Less Than Your Adjuster’s Quote

When your insurance payout for a roof repair is lower than the adjuster’s quoted amount, it can be frustrating, but you have options to address the issue effectively. Here’s a step-by-step guide based on insights from your trusted local professionals, Universal Roof & Contracting.

1. Understand the Discrepancy
   Start by reviewing your insurance policy to ensure you understand what is covered and why the payout may differ. Common reasons for discrepancies include depreciation, policy exclusions, or adjustments made by the insurance company after reviewing the claim.
2. Request Clarification from Your Insurer
   Contact your insurance company to request a detailed explanation. Ask them to provide written documentation explaining why the payout differs from the adjuster’s original estimate.
3. Document the Damage
   Strong evidence can strengthen your case. Use photos, videos, and any initial reports to build your documentation. This can also support your appeal if you choose to contest the payout.
4. Get a Professional Inspection
   Universal Roof & Contracting offers free roof inspections that provide an accurate assessment of the damage and a detailed repair estimate. A professional inspection can help identify additional damage that may have been overlooked and can serve as leverage in your negotiations with the insurance company​
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5. Appeal or Negotiate
   With your documentation and professional evaluation, you can appeal the insurance decision. Sometimes, involving a trusted contractor can help clarify the repair needs and costs to the insurer.

We have over 25 years of experience helping homeowners with roof repairs and insurance claims. Our experts can provide the guidance and support you need to resolve your claim and ensure your roof is repaired properly. Schedule a free inspection today by clicking here or calling 855-ROOF-HELP