Can Veterans Roofing guarantee that insurance will pay for my roof?
Short Answer
No ethical contractor should guarantee an insurance coverage decision. Insurance coverage is determined by the policy, facts of loss and carrier's claim process.
Detailed Explanation
Insurance coverage decisions are made by the insurance company based on the policy terms, the specific facts of the loss, and the adjuster's assessment. A contractor cannot guarantee what an insurance company will decide. Any contractor who promises that insurance will pay is making a promise they cannot keep. What a reputable contractor can do is: document the physical damage thoroughly with photos and written reports, provide a detailed estimate for repairs, meet with the insurance adjuster during their inspection to point out damage, and help you understand the claim process. But the final coverage decision rests with the insurance company.
Why It Matters
Contractors who guarantee insurance approval may use that promise to pressure homeowners into signing contracts. A contractor who is honest about the limits of what they can guarantee is more trustworthy.
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