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Question DetailsAsked on 7/27/2017

Is it required to show a prospective roofing contractor the insurance company's itemized estimate?

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"Required" - not unless you signed a contract with a contractor that stipulated he will do the job for the amount the insurance adjuster approves (commonly plus your deductible on that amount). Also if you worked with one particular contractor, who dealt with the adjuster on determining the adjusted amount of the claim - in which case you had at least an implied agreement to at least let him bid the job with the benefit of the adjuster's itemization - maybe or maybe not a committment to actuallyu use him. See the below links for more on that issue.

But if you are getting bids for the work, while the scope of work he is bidding should match the insurance company estimate as far as what needs to be done (so maybe a xerox blocking out the insurance company $ amounts), doing so just guarantees all bids will come in at or above that amount - typically higher by the amount of your deductible and any unpaid amortization, because for almost all insurance coerages you are required to pay the policy/event deductible and any deducted amortization/depreciation on top of what the insurance company will cover.

[Note - the paperwork you have may be the repair estimate - so total estimated repair amount that they feel is reasonable, or may be the proposed adjusted amount - which would be less your deductible, also minus any depreciation/amortization - so be careful what the amount represents. Should be pretty clear from the itemization.]

Below are some links to similar subject previous questions which might help - many more on the issues of "storm chasers", signing assignments of insurance rights or committments to a particular vendor before the adjustment is done, etc can be found in the Home > Roofing link under Browse Projects, at lower left.

Answered 3 years ago by LCD

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