The Top 5 Claim Settlement Mistakes Roofing Contractors Make
As a roofing contractor you put a lot of effort into resolving issues and satisfying clients. In the case of insurance claims, even minor errors can result in significant losses. We at The Claims Ninja assist contractors in steering clear of those expensive mistakes. If you manage claims independently here are five typical errors to look out for and how to avoid them.
5 Claim Settlement Mistakes
1. Not Taking Enough Photos or Notes
One of the biggest problems we see is poor documentation. If you only take a few quick photos, that may not be enough for the insurance company. Adjusters need strong proof of the damage to approve full payments.
How to avoid it:
- Take clear photos from every angle before, during, and after the job
- Use tools like ladders or drones to get better views
- Save weather reports and other notes that support your claim
Here’s the takeaway: Better documentation means better results.
2. Accepting the First Insurance Estimate
Some contractors accept the insurance company’s first offer without question. But most of the time, that estimate is lower than what you should be paid. If you don’t review it carefully, you could lose out.
What to do instead:
- Go over the estimate line by line
- Compare it to your own scope of work and material costs
- Ask questions and request changes when needed
Remember: You don’t have to accept less than what the job is worth.
3. Not Using the Right Words
When talking to insurance adjusters, your words matter. If you’re too general or unclear, they may not take your claim seriously. This can lead to delays or smaller payments.
To fix this:
- Speak clearly and use correct terms
- Point out exact materials and codes used
- Keep copies of all messages, photos, and updates
Pro tip: Speaking the language of insurance can help you win more claims.
4. Missing Claim Deadlines
Every insurance claim has deadlines. If you miss one like when to file or when to send documents, you could lose the chance to get paid fully.
Avoid this mistake by:
- Tracking all due dates in one place
- Setting reminders to follow up
- Using tools or experts to stay on schedule
Bottom line: Staying organized helps you get paid on time.
5. Doing Everything Yourself
Many roofing contractors try to handle jobs and claims alone. That’s a lot to juggle. When things get busy, it’s easy to forget something or make a mistake.
Here’s a better way:
- Work with pros who understand claims
- Use platforms like The Claims Ninja for support
- Focus on roofing while we handle the paperwork
It’s simple: You do the work we help you get paid.
Key Takeaways
- Good photos and notes help insurance claims go smoother
- Review every insurance estimate before accepting
- Speak clearly and use the right terms
- Don’t miss deadlines
- Let others help so you can focus on roofing
Conclusion
At The Claims Ninja, we know claim settlements can be tough. That’s why we built a system just for contractors. We help you avoid mistakes, get better payouts, and save time. Unlike other services, we work only with pros like you in roofing, water damage, and restoration. Need help with your next claim? Visit The Claims Ninja and see how we can support your business.
