Roofers vs. Public Adjusters: Who Do You Call First?

After a major storm, fire, or other property damage, many policyholders instinctively call a roofer or contractor to assess the situation. While roofers play an essential role in the rebuilding process, bringing one in too early—especially before involving a licensed Public Insurance Adjuster (PA)—can lead to costly mistakes and missed opportunities in your claim.

The key difference is in their respective roles. A roofer focuses on repairs and is not licensed to interpret insurance policies or negotiate with your insurance company. In fact, in many states (including Texas), it’s illegal for contractors to act on your behalf in a claim. Public Adjusters, on the other hand, are licensed professionals who represent you—not the insurer. A PA manages the entire claims process, from assessing the full scope of damage and reviewing your policy to negotiating the maximum settlement you’re entitled to receive, all while carefully consulting with the home/property owner.

Hiring a PA before a contractor gets involved can prevent underpayments, miscommunications, and premature repair commitments. Unlike a roofer, a Public Adjuster evaluates all areas of damage—not just what’s visible on the surface. This includes hidden damage, code upgrades, and policy-specific entitlements that often go overlooked. A PA ensures the claim is documented thoroughly, filed properly, and handled strategically to support a full financial recovery—not just a patch job.

Bringing in a roofer too soon can also lock you into repair contracts based on a low or partial insurance payout, leaving you with out-of-pocket costs you shouldn’t have to pay. A PA protects your interests from day one, giving you the power to move forward on your terms once your insurance settlement is secured.

If you’ve recently experienced property damage, take the right first step. Contact Marshall Adjusting Group to ensure your claim is handled with expertise, precision, and your financial future in mind.