For homeowners
You can see what the carrier paid, what may still require action, and how the agreed fee is calculated before the file is closed.
Settlement Reconciliation
Compare the original and revised claim values, payments, deductible, depreciation, paid-when-incurred items, remaining requirements, incremental recovery, fee, and open items.
Is this the right service for the file?
We reconcile what was paid, what remains open, and how the engagement result maps to the agreed fee and any outstanding claim items.
This may help when
- The claim includes multiple estimates, revisions, or payments
- Recoverable depreciation or paid-when-incurred items remain open
- The homeowner needs a clear closeout view of payments, fees, and remaining requirements
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.
- Original and revised estimates, settlement letters, and payment records
- Deductible, depreciation, supplements, and completion requirements
- Incremental recovery and the fee terms in the signed agreement
- Open invoices, proof-of-work requests, and remaining claim items
What this service delivers
- Payment and settlement comparison
- Deductible and depreciation reconciliation
- Open-item checklist
- Fee and incremental-recovery summary
Document. Review. Act.
A consistent three-step path keeps the file focused and makes the next decision easy to understand.
- Step 1
Reconcile the numbers
We align estimate versions, carrier payments, deductible, depreciation, and other claim amounts in one record.
- Step 2
Identify what remains
We separate resolved items from completion documents, recoverable amounts, or other requirements that remain open.
- Step 3
Close with clarity
The homeowner receives a plain-language summary of the result, fee calculation, and any remaining action.
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 get clearer separation between claim funds, deductible obligations, completion documents, and the roofing invoice, without mixing the roofing contract with public-adjuster compensation.
What happens next
We confirm the remaining owner, contractor, carrier, or public-adjuster actions and provide the records needed to finish the engagement cleanly.
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.