I want to wait and see what my insurance says: roofing
The short answer
Do not speak for the insurer. Offer what you can control: a written scope of the work, photos of the damage, and a clear price the adjuster can compare. Ask when the adjuster visits and offer to be there if the buyer wishes. Keep the buyer moving without promising what the claim will pay.
Take this call against an AI buyerWhy buyers say it
When storm or age damage may be covered, the buyer is stuck between two questions: what the insurer will pay and what the roofer will charge. Any price feels risky until the first answer arrives. Waiting feels safer than committing.
How reps lose the deal on it
- They promise the claim will be covered. They cannot know, and a denied claim turns the rep into the villain.
- They say "call me when you hear back" and set no date. The buyer calls two other roofers while they wait.
- They talk about the claim as if they run it. The adjuster decides, and the buyer remembers who promised otherwise.
Stronger lines to say
- “That makes sense. I can’t tell you what the insurer will pay, and I won’t guess. I can give you a written scope and photos of the damage that the adjuster can look at.”
- “When is the adjuster coming out? If you want, I can be at the house that day so the roof gets looked at properly.”
- “Once you hear back, I can price it either way, with the claim or without it. May I call you the day after the adjuster visits?”
Questions reps ask about it
What should the written scope include for a storm damaged roof?
The damage you found and where, dated photos, the repair or replacement you recommend, the materials, and your price with every item listed. Keep opinions about coverage out of it. The adjuster decides what the policy pays. Your job is a clear record and a price to compare.
How do I keep the job alive while the claim is pending?
Set the next step before the call ends: the adjuster's date, a time for you to call, and what you will have ready. A callback with a date on it lands. A vague "let me know" does not.
Should I talk about the deductible?
Only to say the buyer should expect to pay it and that you will not offer to cover it. Rules on deductibles vary by state and your company sets the policy, so do not improvise. For anything more, point the buyer to their policy and their insurer.
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