C3 Group Adjusters

03/26/2026

🌨️ 2.5 inch hail. 80 mph winds. Midland, TX.

That's what hit this commercial roofing system — and what you're about to see is what it looks like inside the roof after we did the work to prove it.

The insurance company sees the surface. We go deeper.

📸 Photo 1 — The TPO Surface: Hail impacts scattered across the TPO membrane. This is what the insurance company's adjuster sees — and often, it's all they're willing to document.

📸 Photos 2, 3 & 4 — The Sample Cut: We don't just look. We cut. A sample core was pulled from the TPO roof to expose exactly what's happening beneath the surface. Every layer tells a story — and every layer supports the claim.

📸 Photos 5 & 6 — The EPS Fracture: Pull back the fiberboard... and you find EPS foam insulation — visibly fractured from the force of hail impact. This is the kind of evidence that changes the outcome of a claim.

💰 Total Documented Claim: $556,192.08 RCV

This is why documentation matters. This is why having the right team on your side matters.

🏁 C3 Group — We don't guess. We prove it. Settle For Better.

01/08/2026

Our team built a great video on how to copy/paste IECC codes from their website (notoriously impossible to do...)

Hey team, in this video, I’m sharing a quick hack to enable copy and paste on the IECC safe codes website, which typically restricts this feature unless you upgrade to premium. I recommend using the extension called Allow Copy Plus, which you can find in the Chrome Web Store. After adding it, you ...

12/29/2025

I had the opportunity to work on this claim with Travelers Insurance this last year. The property consisted of multiple locations on the same policy in central Texas. Travelers did multiple rounds of inspections and adjusted the loss to just under 300k.

With multiple issues remaining with the scope, including RTU's, Scaffolding, Stucco, GenCon, OH&P, and Interior, the contractor, FSR Roofing, introduced us to the insured. Within a few days we completed a full investigation of the loss and completed a Proof of Loss, Notice of Loss package, and estimate totaling $1,8135,000.

Within 90 days and after a third round of inspections, we finalized the settlement at $1,815,000+, just 20k under our estimated damages.

Complex losses need someone to get involved as early as possible. C3 Group Adjusters makes sure these claims are handled pro-actively, armed with the most factual representation that we can possibly make.

Oh, and look at the General Conditions (yes, insurers pay these) on top of the OH&P.

Travelers did a fantastic job working with us to bring this one to resolution.

Help policyholders like this one Settle For Better. Call me.

12/23/2025

STAY IN YOUR LANE: Contractors, stop asking public adjusters to “start knocking some doors and bringing us business”. That mindset highlights a fundamental problem with who’s responsible for what in the insurance claims process.

The PA’s job isn’t to sell roofs or hand you work. A PA’s job is to adjust claims. To represent the policyholder, ensure coverage is properly interpreted, and secure the right payout so that YOU can do the proper work for the proper price.

Public Adjusters are not sales organizations. We don’t sell for you. We are professionally licensed to do what you CANNOT do: Adjust and Negotiate claims on behalf of policyholders.

When we collaborate, the results can be incredible. Yes, referrals happen naturally, but I’ll tell you what, my ENTIRE focus is on making sure that the claim package we submit to insurers leaves no question as to the professionalism you should expect from my industry. My focus is not on getting more sales for your business, but rather turning delayed, denied underpaid, and complex claims into real revenue for you, for the benefit of the policyholder.

When everyone tries to do everyone else’s job, nobody is doing theirs well.

Can we all just agree to the following?
- Contractors aren’t adjusters.
- Adjusters aren’t contractors.
- Policyholders need both.

Stay in your lane. Master your lane. Respect those who’ve mastered theirs. Let’s collectively work together to help the policyholder -- without stepping all over each other.

Don’t they deserve to Settle for Better?

12/22/2025

"Damage to the RTU's are limited to cosmetic blemishes which can be combed out to allow for the unit to be effective at a 98-99% capacity."

Satire obviously but that's pretty much the exact language you can expect from engineer reports.

Just comb it!

12/19/2025

Let's play a game... BACKGROUND:

- Client has a 2 year old PVC roof over 4.4" of ISO over a steel deck. Mechanically attached. Hail impacted the roof but did not cause any fractures to the PVC. Insured has the below Roof Limitation with definitions for Cosmetic Damage, excluded under the policy. No leaks reported and no moisture in the system.

Is this claim viable or are you giving the insured the advice to just leave it? If the claim is viable, how would you argue for coverage?

12/18/2025

CONTRACTORS: Do Not TOUCH a Proof of Loss form.

A Proof of Loss isn’t just some fill in the blank document. No contractor should be involved in using this form. This is one of the primary documents meant to supply the insurer with a sworn and notarized statement as to what the claim is for, how much is being claimed, and for when it happened.

I won’t address everything that can go wrong but here’s just the major ones.

Keep in mind, knowingly presenting any false, incomplete, or misleading information can completely void the policy, coverage, and potentially land you (and your insured) some felony trouble.

Let’s start with the simple. Many of you believe wholeheartedly in “Date of Discovery”. Well, throw that out the window. When did it happen? Do you even have the right insurer or the right policy term that was in effect at the time of the loss? Are you just filing on the newest storm date or the accurate one? You need the DATE OF LOSS. Period.

Next… COVERAGE. What is the building limit? What is the O&L or ICC limits? How much total RCV is being claimed? Have you considered limitations in the policy that can decrease this RCV? What about the ACV and Depreciation that must be listed? Is the Depreciation Recoverable or Non-Recoverable? What’s the deductible? Did you mark Code/ICC in your estimates so you have the exact total of claimed amount owed under that coverage?

I know that most of you, if not all of you, don’t put an ACV and Depreciation number in your estimates. Most of you don’t even write one.

Let’s get into timelines. I have seen WAY too many insureds have their claims invalidated because they (and their contractor) waited past 30 days to submit the POL when it was demanded by the insurer. Guess what, there’s a requirement for the insured to complete the form within a certain time limit otherwise coverage is: P**F. GONE.

Are you filling out the POL sent by the insurer or one you’re supplying to the insured? Best not be the latter.

Are you simply submitting the POL with the numbers prepared and put into the POL by the insurer or are you putting the full amount claimed? If using the insurers calculations, you’re having the insured agree that’s what they are claiming.

What are you doing when the insurer demands the POL before any ACV funds are released?
Are you holding the insurers feet to the fire on the deadlines they have to accept/reject the POL from the insured?

The Sworn Proof of Loss is a demand by the insured as to the amounts payable under their policy. Most insureds almost never use this in a proactive way and virtually no contractor I know of can adequately or even legally help the insured determine their coverage to even come up with the numbers to put into the POL document.

If you’re doing this. Stop. If you need help, many PA’s and Attorneys can do this for free or for a nominal fee to ensure it’s done correctly.

Bottom Line:
If you’re a contractor and you’re filling out POL’s or coaching the insured on coverage, you’re not helping. You’re exposing the policyholder to denials, opening yourself up to UPPA/UPL and you certainly don’t have the E&O insurance to back you up for those mistakes.

Stay in your lane. Build the job. Let licensed PA’s & Attorneys adjust and advise. The law is clear on this.

Here's what we do every time:
1. Full investigation tied to the correct event, backed up with data.
2. Complete, defensible estimate and scope, including ACV/DEP/RCV/CODE.
3 Know your numbers before anyone files the claim.
4 Policy-compliant claim package—and if a POL is strategically filed Day 1, it’s done by the insured with a licensed PA guiding the process, not a roofer with a notary. (Yes, proactive POLs can trigger timelines—use them correctly.)

Another spicy Monday morning post.

Enjoy.

12/17/2025

This certainly won't show up every time but it's certainly worth cutting samples out of these ModBit roofing systems to determine the true extent of the hail damage. This one happened to be quite photogenic and decided to prove itself worthy of claim payment. 😂🤣

12/16/2025

This is an oldie but a great video.

YES, small hail can damage the bottom right hand corners of tile.

Haag says in their "Hail Damage to Tile Roofing" study that hail as small as 1.25" in diameter can crack these tiles, yet they appear to claim in their tables that 1.75"-2" is what it takes to functionally damage tile.

This specific frozen "hail" on a toothpick showed that 1.17" is capable of damaging concrete tile.

Link to the longer video is here:

C3 Group Adjusters are a nationally connected team of Public Adjusters and industry experts specializing in commercial insurance claims. We started C3 Group ...