What is different when hiring a contractor when insurance is involved vs. private pay? – Slade Roofing

What is different when hiring a contractor when insurance is involved vs. private pay?

Example 1

Private Pay

When you hire a roofer, 50% of payment is due before work starts, and the balance is due when work is completed. You pay the contractor out of your savings.

VS

Insurance Claim

Insurance payments are due when you receive payment from the insurance company. The adjuster decides the scope of the work and price the roofer will be paid.

Example 2

Private Pay

When additional damage is found aka multiple layers of roofing, damaged decking, additional requirements by city code officials… Your contractor will update the estimate and you may be over budget on your project.

VS

Insurance Claim

When additional damage is found (such as multiple layers of roofing, damaged decking, additional requirements by city code officials), your contractor will send documentation of additional damage found to your adjuster. Your adjuster will adjust the claim to cover these additional damages, providing they are properly documented.