Can You Dispute an Insurance Roofing Estimate? Here’s How!

Dealing with storm damage is stressful enough. But when you receive an insurance roofing estimate that seems way off, it can feel like a punch to the gut. Whether the estimate is too low, missing key repairs, or just doesn’t add up, you don’t have to accept it as final.

At CTT Claims, we specialize in helping homeowners dispute unfair estimates and secure the coverage they deserve. Here’s how you can challenge a bad estimate—and win.

Spotting Red Flags in Your Insurance Roofing Estimate

Not all estimates are created equal. Some are fair, but others contain errors or intentional cost-cutting. Here’s what to watch for:

• Low Material Costs – Your insurer might use outdated pricing that doesn’t reflect real market rates.
• Missing Repairs – Some damage, like hidden water leaks, isn’t immediately visible. If they skip a full inspection, they might miss crucial repairs.
• Underestimated Labor Costs – Roofing isn’t cheap. If the labor costs seem suspiciously low, the estimate may not cover quality workmanship.
• Depreciation Issues – Insurers often calculate depreciation unfairly, reducing what they owe you.

If something seems off, trust your instincts. It’s worth a second look.

Steps to Dispute an Insurance Roof Estimate

Challenging a low estimate might feel intimidating, but you don’t have to do it alone. Follow these steps to push back:

1. Review Your Policy

Before disputing, check your homeowner’s insurance policy. Look at coverage limits, exclusions, and depreciation details. Knowing what’s covered helps you build a solid case.

2. Get a Second Opinion

Hire a licensed roofing contractor for an independent inspection. Their estimate will provide a valuable comparison. If their numbers are higher than the insurance company’s, you have solid grounds for dispute.

3. Gather Evidence

Take photos of the damage from multiple angles. Document any leaks, missing shingles, or structural issues. If possible, provide before-and-after pictures to show the extent of the damage.

4. Request a Reassessment

Send a formal request to your insurance adjuster. Include your contractor’s estimate, photos, and any other evidence. Be polite but firm. Ask for a reinspection if necessary.

5. Work with a Public Adjuster or Claims Expert

If your insurance company won’t budge, consider hiring a public adjuster or claims expert. We know the tactics insurers use and how to negotiate better payouts.

6. Take Legal Action (If Needed)

If all else fails, legal action might be necessary. Some cases require an attorney to push insurers into honoring their policies.

FAQs

1. How long do I have to dispute an insurance estimate?

It depends on your policy and state laws. Some allow disputes within 30-60 days, while others provide up to a year.

2. Can I hire my own contractor for repairs?

Yes! You’re not required to use your insurance company’s recommended contractor. Choose a trusted professional who will fight for fair pricing.

3. Will disputing my estimate delay my claim?

It can, but securing the right amount is worth the extra time. A little patience now can save you thousands later.

4. Can I negotiate directly with my insurance company?

Yes, but they have experienced adjusters who negotiate all day. Having a claims expert in your corner levels the playing field.

A low insurance roof estimate doesn’t have to be the final word. Contact us today, and let’s get started on securing the coverage you need!