Can a contractor determine whether damage is covered?
Short Answer
A contractor can document physical conditions. The insurance carrier determines coverage under the policy.
Detailed Explanation
A contractor's role is to inspect the property, document the physical condition of the roof and exterior, and identify whether damage is present and what type it appears to be (storm damage vs. normal wear). The contractor can provide photos, written reports, and repair estimates. But the determination of whether that damage is covered by insurance is made by the insurance company, based on the policy terms, the facts of the loss, and the adjuster's assessment. A contractor can help you understand what they've found and provide information to support your claim, but they cannot make the coverage decision. Homeowners should understand their policy and work with both the contractor and the insurance company throughout the process.
Why It Matters
Understanding the respective roles of contractor and insurance company prevents misunderstandings and ensures the homeowner remains engaged in the claims process.