For homeowners
You receive a corrected estimate showing what the repair requires and the support behind each line. It is a documented position for the carrier to evaluate, not a statement of what the carrier will pay.
Estimate Reconstruction
Rebuild the roof scope line by line from measurements, code requirements, and manufacturer instructions, so the estimate reflects what the repair actually takes.
Is this the right service for the file?
Scope and estimate analysis identifies what the carrier’s estimate is missing. Reconstruction produces the corrected document. We rebuild the scope from documented measurements, applicable code, and manufacturer installation requirements, then annotate every difference from the carrier’s figure.
This may help when
- The carrier estimate omits scope, understates quantities, or prices work below the local market
- The carrier and contractor estimates differ too widely for a line-by-line comparison to resolve
- Code-required work or manufacturer installation requirements are absent from the carrier scope
- The file needs a corrected estimate that a carrier, appraiser, or umpire can evaluate
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.
- The carrier estimate, its supplements, and the price list version applied
- Roof measurements, diagrams, pitch, and elevation data
- Photographs, inspection notes, and test-square documentation
- Applicable building code, ordinance and law provisions, and manufacturer installation instructions
What this service delivers
- Line-item estimate rebuilt from documented measurements
- Variance schedule against the carrier estimate
- Code and manufacturer citations supporting each added item
- A pricing record that can accompany a supplement or carry into appraisal
Document. Review. Act.
A consistent three-step path keeps the file focused and makes the next decision easy to understand.
- Step 1
Establish the measurements
We work from a measurement report or documented field data so every quantity is traceable rather than assumed.
- Step 2
Rebuild the scope
Each line is reconstructed from what the repair requires, including the code-driven and manufacturer-required items the original scope omitted.
- Step 3
Document every difference
Each variance from the carrier estimate is annotated with the measurement, code section, or installation requirement supporting 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
Your estimate is reviewed and rebuilt into claim-ready form without you negotiating the claim. Texas prohibits a roofing contractor from adjusting a claim on a property it is roofing, so the reconstructed estimate belongs to the policyholder’s file and moves through the policyholder.
What happens next
The reconstructed estimate is submitted with a supplement request, or held as amount-of-loss support if the file is heading toward appraisal. We explain which route fits and what the carrier is likely to ask for next.
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.