For homeowners
You receive a clearer view of the carrier’s stated position and the policy sections connected to it. This is claim support, not legal advice or a coverage guarantee.
Policy and Carrier-Position Review
Organize relevant coverage provisions, endorsements, limitations, deductibles, depreciation terms, appraisal language, and the carrier’s stated position for licensed review.
Is this the right service for the file?
We structure the policy and carrier materials so a licensed public adjuster can evaluate coverage language, limitations, and the carrier’s stated basis for its decision.
This may help when
- A carrier letter relies on policy language, an exclusion, or a limitation
- The deductible, depreciation, or payment conditions are unclear
- The file may involve appraisal language or duties after loss
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.
- Declarations, policy forms, endorsements, and applicable notices
- Denial, reservation, or partial-payment letters from the carrier
- Deductible, depreciation, appraisal, and post-loss provisions
- The carrier’s written explanation and related claim correspondence
What this service delivers
- Organized policy excerpts for review
- Carrier-position summary
- Deductible and depreciation notes
- Appraisal-language identification
Document. Review. Act.
A consistent three-step path keeps the file focused and makes the next decision easy to understand.
- Step 1
Organize the policy
We assemble the declarations, forms, endorsements, and claim letters into one reviewable record.
- Step 2
Map the carrier position
A licensed reviewer compares the carrier’s stated basis with the relevant policy material and open claim facts.
- Step 3
Explain the decision point
We identify what is clear, what still needs support, and which claim path may be appropriate next.
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 and technical observations can remain part of the file, while licensed reviewers address policy and claim-representation questions directly with the homeowner.
What happens next
The review may lead to a request for missing records, an evidence or estimate analysis, claim representation, or a referral to another qualified professional when the issue falls outside public adjusting.
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.