YOUR PROPERTY. YOUR CLAIM.
I’m a homeowner
Get a clear next step for a denied, underpaid, or stalled roof claim.
Review my claim
PROBLEM ROOF CLAIMS. CLEAR ANSWERS.
Give Your Hardest Roof Claims a Professional Next Step.
We help roofing companies identify legitimate problem files and give qualified homeowners a professional next step.
Roof Claims Only
Homeowner with a difficult roof claim?
Get a Free Claim ReviewA professional next step for difficult roof claims.
$500
FLAT FEE
Due at signing
No percentage of your settlement
Accepted File Guarantee
No documented settlement increase? The full $500 FlatRatePA fee is refunded to the policyholder.
Roof claims only
Denied, underpaid, partially approved, or stalled.
Policy, scope & evidence
Disputed items connected to the supporting record.
A clear next step
A recommendation, including what is still missing.
WHAT WE REVIEW
A complete review of the claim record.
We analyze the policy, estimates, photos, measurements, and correspondence to identify what is supported, what is missing, and the next appropriate step.
See how the review worksPolicy & carrier decision
Coverage forms, decision letters, payment history, and policy language.
Carrier & contractor estimates
Scope, quantities, pricing, and differences between estimates.
Photos, measurements & reports
Damage documentation, inspection findings, and technical reports.
Claim communications
All correspondence, requests, and responses.
From documents to answers
- What’s supported
- What’s missing
- What it means for your claim
- Recommended next steps
PROBLEM FILES
What makes a file worth sending?
Roof claims with a documented disagreement, an incomplete scope, or an unresolved carrier position.
01Denied roof claims
The carrier disputes coverage or the reported cause of damage.
Denied roof claims02Underpaid or partial approvals
Accepted damage leaves supported roofing items unresolved.
Underpaid or partial approvals03Delayed or stalled claims
Requests, inspections, or responses have stopped moving the file forward.
Delayed or stalled claims04Repair vs. replacement
The scope disagreement affects the proposed repair approach.
Repair vs. replacement05Hail & wind scope disputes
The reported storm damage and carrier scope differ.
Hail & wind scope disputes06Missing code-required work
Relevant code documentation may support disputed work.
Missing code-required work07Discontinued shingles
Material availability or matching needs further documentation.
Discontinued shingles08Claim options review
We review the policy and documentation to explain appropriate next steps.
Claim options review09The carrier’s final position
The carrier indicates it will not reconsider its current decision.
The carrier’s final positionNot every disagreement needs a public adjuster. That’s why the review comes first.
BUILT FOR ROOFING COMPANIES
Stay focused on roofing.We’ll review the problem file.
Your team provides the technical roofing record. The homeowner independently decides whether to proceed with an engagement.
- 01
ROOFING COMPANY
The problem file
Inspection findings, contractor estimate, measurements, and photos.
- 02
FLATRATEPA.COM
Review & qualification
Compare the carrier’s position with the record. Identify support and missing information.
- 03
HOMEOWNER
An informed decision
Consider the recommendation and proposed scope. Choose whether to engage.
- 04
IF APPROPRIATE
Written engagement
Representation begins only after acceptance and a separate signed agreement.
Send what you already have.
Start with the carrier decision, estimates, photos, and claim correspondence. The review identifies any additional information needed.
Accepted File Guarantee
No documented settlement increase? The full $500 FlatRatePA fee is refunded to the policyholder.
Full guarantee terms & separate costsThird-party costs are separate. Appraiser, umpire, engineering, laboratory, and testing fees are set by those providers and paid by the policyholder. They are not part of the flat fee, and we disclose them before appraisal is invoked or any specialist is engaged.
Start here
The right starting point for you.
YOUR CUSTOMER’S PROBLEM FILE
I’m a roofing professional
Provide the estimate and technical record. The policyholder independently requests review and signs any engagement.
Submit a problem fileBefore you begin
Common questions. Clear answers.
What to expect from the review and engagement process.
Give the claim a professional next step.
Start with the documents you have. The initial review is free.