Adjusting & Being Involved in Roofing Industry a No-No!

To quote Roofguy.... Which is to say that a licensed adjuster in Texas cannot be involved in any roof-related business, i.e., roof consulting, infrared roof inspections for a fee, roof equipment sales, etc.

I spoke to an official at the Texas Department of Insurance again today to make sure I was getting accurate information. He confirmed that there is no discretion, that no licensed Texas adjuster may be involved in any kind of roof-related business for compensation. He also said they are ramping up enforcement of this.

Public adjuster licensing statute states the following:

(a) A license holder may not:

(1) participate directly or indirectly in the reconstruction, repair or restoration of damaged property that is the subject of a claim adjusted by the license holder; or

(2) engage in any other activities that may reasonably be construed as presenting a conflict of interest, including soliciting or accepting any remuneration from, or having a financial interest in, any salvage firm, repair firm or other firm that obtains business in connection with any claim the license holder has a contract or agreement to adjust.[4] B) :) :) B) Deep Down In Florida Where The Sun Shines Damn Near Every Day

CIAK Said: To quote Roofguy.... Which is to say that a licensed adjuster in Texas cannot be involved in any roof-related business, i.e., roof consulting, infrared roof inspections for a fee, roof equipment sales, etc.

I spoke to an official at the Texas Department of Insurance again today to make sure I was getting accurate information. He confirmed that there is no discretion, that no licensed Texas adjuster may be involved in any kind of roof-related business for compensation. He also said they are ramping up enforcement of this.

(a) A license holder may not:

(1) participate directly or indirectly in the reconstruction, repair or restoration of damaged property that is the subject of a claim adjusted by the license holder; or

(2) engage in any other activities that may reasonably be construed as presenting a conflict of interest, including soliciting or accepting any remuneration from, or having a financial interest in, any salvage firm, repair firm or other firm that obtains business in connection with any claim the license holder has a contract or agreement to adjust.[4] B) :) :) B) Deep Down In Florida Where The Sun Shines Damn Near Every Day

Yep. The rep said I can still defend my estimate on my hail damaged roof, but everything else is off limits now.

Seems to me that there are two laws here. One for "insurance adjusters" and the other for "public adjusters". An insurance adjuster works for the insurer and the public adjuster works for the insured.

A public adjuster called me-a contracting roofer- a few months ago and asked me if I had any customers whose claims were denied, etc. So he was soliciting business from me. I asked him how he was compensated. He never gave me a direct answer being very vague.

Along the same lines, I looked at a roof for a potential client who is clueless or is at least acting clueless. The roof is 25 years, past its life, and needs to be replace now. The only discernible storm damage was a couple of blown off tabs and some old hail hits. As I always do, I tell them to call their insurance and make a claim because "you never know" what will happen.

Sure enough, adjuster comes out and totals the roof and even gave them some interior damage. He fudges the age of the roof to 8 years but the age is clearly beyond its useful life of 20 years. The kicker is he says their policy does not cover "depreciation" so after the deductible, they only get a check that covers half the cost of the roof.

Under the law, I am forbidden to "interpret" their policy. So they either got a cut rate insurance policy and should be happy to get what they got, or they are getting screwed. I don't know. Nor do I know what they will do because to hire me is going to be a lot of money out of pocket. We are both screwed if they are looking for a cut rate roofer.