ROOFING COMPANY
You handle the roof.
- Construction expertise
- Estimates and documentation
- Project delivery
- Customer service
COMPLIANCE & ROLE SEPARATION
Clear roles.A stronger working relationship.
Contractors build roofs. Licensed public adjusters represent insureds on claim matters. Keeping those roles separate protects everyone.
WHO DOES WHAT
Three roles. No blurred lines.
Each professional has a distinct responsibility. The homeowner makes the engagement decision.
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
THE HOMEOWNER DECIDES
A submission is a request for review.
Submission through the website does not create a public-adjuster relationship. Representation begins only after qualification and a direct written agreement with the insured or a properly authorized representative.
THE WORKING AGREEMENT
The boundaries that guide every handoff.
The homeowner contracts directly with FlatRatePA.com
The roofing company does not negotiate coverage or settlement for the insured
FlatRatePA.com does not perform the roofing work on represented claims
No referral fee or compensation is paid for sending claims
The roofer provides construction expertise, inspection documentation, estimates, and project information
The licensed public adjuster controls policy interpretation, claim strategy, and carrier representation
Information is shared only with appropriate authorization
The homeowner remains free to communicate directly with the insurer
The relationship does not guarantee that a referred claim will be accepted
COMMON ROLE QUESTIONS
Know where you stand.
Does FlatRatePA.com pay referral fees?
No. The partnership creates value by giving homeowners access to a professional claim-review and representation process. It is not a paid referral arrangement.
Who signs the public-adjuster contract?
The insured or properly authorized representative signs directly with FlatRatePA.com.
Can our company continue doing the roof?
Yes, subject to the homeowner’s choices and contractual relationships. FlatRatePA.com does not act as the contractor on claims it represents.
Can we communicate with the carrier?
The roofing company may provide construction information and estimates within its proper role. FlatRatePA.com manages policyholder claim representation after engagement.
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