11/09/2026
As a contractor I heard this from almost every homeowner. "I want someone that can work with my insurance company and meet with my adjuster". My answer was always absolutely we can do that. I always wanted to help my homeowners in every way possible, and most homeowners are either intimidated by the adjuster, or they simply don't know what they are really entitled to. What I learned later in my career is that a contractor can't get into those discussions (this goes for repair, mitigation or content). A contractor can discuss scope with an adjuster nothing beyond that. This is true in every place that I have worked in my career. What contractors don't understand is that this is crossing a line into adjusting or public adjusting! I don't think most really understand that there are real penalties to crossing this line, it isn't just a slap on the hand.
All types of contractors are guilty of this. In my experience roofers are by far the worst!
The insurance companies and State officials are getting more serious about this.
The reviewers that the insurance companies hire are also crossing this line. They are discussing not just scope but also price directly with the contractor. Many are not licensed to adjust claims. One of the big companies that review claims for the insurance companies just was hit with a fine for adjusting without a license.
I say all of this because every person in this industry has their place. Hire the right person for the job that you need. Beware of contractors that cross that line! Some have really good intentions, but many don't! Either way having people in the wrong role can negatively affect your claim.