Negotiation & Appeals Playbook

Compare the insurance settlement with your roofer's estimate. Identify discrepancies, missing items, or areas where coverage seems insufficient.

Collect additional documentation, photos, or expert opinions that support your position. Professional assessments and detailed estimates strengthen your case.

Draft a written response addressing each discrepancy. Reference specific policy language, provide supporting documentation, and request reconsideration.

If damage was missed or under-assessed, request a re-inspection with your roofer present. Point out specific areas that need re-evaluation.

If the adjuster is unresponsive or unwilling to reconsider, escalate to a supervisor or claims manager. Higher-level review often results in better outcomes.

For complex or high-value claims, consider hiring a public adjuster. They work for you (not the insurance company) and can significantly improve settlement amounts.

If internal appeals fail, file a formal appeal with your state insurance department. They can review your case and help resolve disputes.