For homeowners
You learn what your file is missing before a gap is used against the claim. The audit describes the record as it stands; it does not predict what the carrier will decide.
Claim Documentation Audit
Measure the claim file against what the carrier needs to evaluate it, and identify every gap before the carrier does.
Is this the right service for the file?
A claim rarely stalls over one missing document. It stalls because the file cannot answer the question the carrier is asking. We inventory what the file contains, compare it against what this claim stage requires, and return a prioritized list of what is missing and who can supply it.
This may help when
- The carrier keeps requesting documents that were already sent
- The claim has stopped moving and it is unclear what the carrier is waiting for
- Documentation was gathered by several parties and no one holds a complete record
- The file may proceed to reconsideration or appraisal and needs to withstand review
Role clarity
FlatRatePA.com provides public-adjusting services, not roofing or legal services. Representation requires claim qualification and a written agreement; no outcome is guaranteed.
Texas Department of Insurance: public adjustersWhat we review
Send what you have. We will identify what is useful, what is missing, and what matters for this stage of the claim.
- Policy, declarations, endorsements, and duties-after-loss provisions
- Every carrier letter, estimate, payment, and supplement decision
- Photographs, measurements, inspection reports, and test documentation
- The communication record, including dates, channels, and who said what
What this service delivers
- Document inventory with dates and sources
- Claim chronology from first notice forward
- Prioritized gap list with the responsible party for each item
- Assessment of whether the file supports the next claim step
Document. Review. Act.
A consistent three-step path keeps the file focused and makes the next decision easy to understand.
- Step 1
Inventory the file
We catalogue each document with its date and source, and separate duplicates from genuine revisions.
- Step 2
Compare against the requirement
Each claim stage carries its own documentation requirement. We measure the file against the one that actually applies.
- Step 3
Close the gaps in order
You receive a prioritized gap list showing what is missing, why it matters, and which party can obtain it.
What this means for you
The public-adjuster role stays separate from the roofing work, with clear responsibilities for each party.
For roofing companies
You can hand over a file you know is incomplete and get back a specific list of what is missing. The audit stays documentation work, so it does not place you in the adjusting role Texas reserves for a licensed public adjuster.
What happens next
The gap list drives the next action, whether that is a records request, a reinspection, an independent technical opinion, or a corrected estimate. We identify which gaps are worth closing and which will not change the outcome.
Find out whether your claim deserves another look.
Send the documents you have. We will identify the next reasonable step and any information still missing.