Protect your business, save time, and ensure every claim is done right.

When storm damage strikes, roofing contractors are often the first people homeowners call. You’re the expert they trust to inspect the roof, estimate repairs, and help them understand what comes next. But when it comes to insurance claims, there’s a fine line between assisting your customer and unintentionally crossing into activities that require a public adjuster’s license.

Understanding that line isn’t just about following the law. It’s about protecting your business, saving time, and making sure your customers get paid fairly, all while avoiding compliance headaches.

1. The Legal Line: When Roofing Turns Into Adjusting

In most states, contractors cannot negotiate or interpret insurance claims on behalf of a policyholder unless they hold a public adjuster’s license.

That means well-intentioned actions like:

  • Discussing coverage or exclusions with an insurance company

  • Disputing an adjuster’s estimate

  • Submitting or revising claim documentation on behalf of the homeowner

…could be viewed as the unlicensed practice of public adjusting — a serious violation that can lead to fines, penalties, or even loss of your contractor’s license.

Every state’s rules are slightly different, but the message is the same: Roofers should repair roofs, not represent policyholders in insurance matters.

2. Why Partnering With a Public Adjuster Protects You

A licensed public adjuster (PA) is the policyholder’s advocate and authorized to handle the insurance side of the process while you focus on what you do best: the build.

When a roofer partners with a trusted PA like Swift Public Adjusters, it creates a clean, compliant line of responsibility:

  • You provide the building expertise.

  • Swift manages the claim communication, documentation, and negotiation.

This partnership protects your company from legal exposure while ensuring your customer’s claim is handled thoroughly and professionally.

3. Save Time and Get Paid Faster

Let’s face it, dealing with insurance paperwork and follow-ups can drain hours of productivity from your day.

When you work with Swift PA:

  • Our team handles the carrier communication, supplements, and documentation.

  • You stay focused on scheduling jobs and managing crews.

  • Your customers get faster, fairer claim outcomes — which means quicker job approvals for you.

It’s a win-win: more time for your business, less stress over the claim process.

4. Accuracy That Maximizes Every Claim

Insurance claims are built on details — and missing just one item can cost thousands. Public adjusters are trained to identify every covered component of the repair or replacement.

Swift PA’s expertise ensures:

  • Comprehensive scoping: every material, component, and code requirement is included.

  • Proper documentation: photos, reports, and estimates that withstand carrier scrutiny.

  • Fair outcomes: your customers receive what they’re owed, and you get fully funded jobs.

This accuracy not only protects the homeowner — it protects your reputation.

5. Compliance + Collaboration = Confidence

The best part of partnering with a licensed public adjuster is confidence.  You can walk into every storm or large-loss project knowing:

  • You’re operating within state compliance laws.

  • You have a licensed professional managing the insurance side.

  • You can expand into restoration or commercial projects without worrying about costly mistakes.

By teaming up with Swift Public Adjusters, you gain a partner who helps you grow — not just stay compliant.

Partner With Swift Public Adjusters

Whether you’re an established roofing company or looking to branch into insurance restoration, Swift Public Adjusters makes it simple to stay compliant, save time, and secure fair claim outcomes for your customers.

Let’s talk about how we can support your next project or review a past claim to see what might have been missed.

Schedule a short claim review call today online or by calling 866-794-3872.