Denied claims
Carrier denied the claim or key items.
FOR ROOFING COMPANIES
You handle the roof.We review the claim.
Give difficult customer claims a professional next step. We review the evidence, explain the options, and engage directly with the homeowner when appropriate.
Flat fee.Due at signing.
No percentageof your settlement.
Focused on roof claimsacross Texas.
WHEN A CLAIM STOPS MOVING
A difficult file deserves a closer look.
A carrier decision is only part of the record. The next step starts with the policy, the documentation, and a supportable issue.
Underpaid claims
Scope, quantities, or pricing appear incomplete.
Stalled claims
No movement after initial payment or inspection.
Partially approved
Some items covered, but significant scope missing.
More problem-file examples
- Repairability is disputed
- The shingle is discontinued or unavailable
- Code-required work is missing
- Communications have stalled
- The carrier states that it has reached its final position
- The homeowner no longer knows what to do
A SIMPLE PROFESSIONAL HANDOFF
Send the file. Keep roofing.
The homeowner stays in control. Your company stays focused on the construction project.
Submit
With the homeowner’s authorization, send the claim documents you already have.
YOU SEND THE FILE
We Review
We review the policy, estimate, photos, and correspondence to assess whether the file is appropriate.
A CLEARER PICTURE
You Decide
We explain next steps. The homeowner independently decides whether to engage us.
NO OBLIGATION
We Engage
After the homeowner signs and pays the flat fee, we coordinate the agreed scope and provide authorized updates.
MOVE TOWARD RESOLUTION
START WITH THE FACTS
What makes a file a good fit?
Not every claim is appropriate for representation. These are the foundations of a useful initial review.
- The homeowner has already reported the claim
- A carrier decision or estimate exists
- The disagreement is documented
- The homeowner wants help
- Photographs and estimates are available
- The expected potential increase justifies professional involvement
- The file has a supportable factual basis
- The claim is within relevant deadlines
SEPARATE ROLES. SHARED CLARITY.
One homeowner. Clear responsibilities.
The homeowner independently requests review and contracts directly with FlatRatePA.com if the claim is accepted. Your construction relationship stays separate.
ROOFING COMPANY
You handle the roof.
- Construction expertise
- Estimates and documentation
- Project delivery
- Customer service
PUBLIC-ADJUSTER ROLE
We handle the agreed claim scope.
- Policy interpretation
- Claim strategy
- Carrier representation
- Claim strategy oversight
HOMEOWNER
They make the decision.
- Contracts directly with each professional
- Final decision authority
- Free to communicate with the insurer
- Receives status updates
BEFORE YOU SEND A FILE
A few straight answers.
What types of files do you review?
Denied, underpaid, stalled, or partially approved roof claims with documented issues. We screen for documentation, policy issues, economics, deadlines, and an evidence-supported recovery path. Not every file qualifies.
Does this cost me anything to submit?
No. Initial intake and completeness review are free. The policyholder is the only permitted payer for representation; the roofing company does not pay the public-adjuster fee. Transparent flat-fee terms are provided in writing before any engagement begins. Fees are subject to the signed engagement agreement and applicable Texas compensation limits.
What happens after I submit a file?
We review the information, identify missing documents, and determine whether the file appears appropriate for further evaluation. Timing depends on file completeness and complexity. Submission does not create representation.
Do you work with my customer directly?
Yes. The homeowner independently decides whether to request a review and contracts directly with FlatRatePA.com if the claim is accepted. Your company keeps its construction relationship. Information is shared only with appropriate authorization.
A PROFESSIONAL NEXT STEP
Have a problem file in mind?
Send the information you have. We’ll review the record and explain the next appropriate step.
Submit a Problem File