06/19/2026
One of the biggest myths in roofing is that contractors aren't allowed to talk about pricing with insurance companies.
That's simply not true.
In fact, on large loss projects, it's impossible to properly complete a claim without discussing labor, materials, building codes, and repair methods.
Here's where people get confused.
Contractors should not be interpreting policy language or arguing coverage decisions. That's not our job.
Our job is explaining what it actually costs to perform the repairs correctly.
If an estimate is missing materials, labor, code-required items, or necessary repair steps, we're absolutely allowed to document that and provide supporting information.
At the end of the day, construction costs are construction costs.
The insurance company has their role.
The contractor has theirs.
And good communication between both is how projects get completed correctly.