YOUR PROPERTY. YOUR CLAIM.
I’m a homeowner
Get a clear next step for a denied, underpaid, or stalled roof claim.
Review my claim
PROBLEM ROOF CLAIMS. CLEAR ANSWERS.
Give Your Hardest Roof Claims a Professional Next Step.
FlatRatePA.com helps established roofing companies identify legitimate problem files and gives qualified homeowners a professional next step.
Roof Claims Only
Homeowner with a difficult roof claim?
Get a Free Claim ReviewA professional next step for difficult roof claims.
$300
FLAT FEE
Due at signing
No percentage of your settlement
For accepted files, when you sign the engagement agreement.
See what’s included and separate costsFor roofing companies
Submit a Problem FileFor homeowners
Get a Free Claim ReviewRoof claims only
Denied, underpaid, partially approved, or stalled.
Policy, scope & evidence
Disputed items connected to the supporting record.
A clear next step
A recommendation, including what is still missing.
WHAT WE REVIEW
A complete review of the claim record.
We analyze the policy, estimates, photos, measurements, and correspondence to identify what is supported, what is missing, and the next appropriate step.
See how the review works- Independent and unbiased
- Clear, written findings
- Built for homeowners
Policy & carrier decision
Coverage forms, decision letters, payment history, and policy language.
Carrier & contractor estimates
Scope, quantities, pricing, and differences between estimates.
Photos, measurements & reports
Damage documentation, inspection findings, and technical reports.
Claim communications
All correspondence, requests, and responses.
From documents to answers
- What’s supported
- What’s missing
- What it means for your claim
- Recommended next steps
What’s happening with your claim?
Start with the carrier’s current position. We’ll help identify what the file needs next.
Denied
The carrier says the roof damage isn’t covered or payable as claimed.
Review a denied claimUnderpaid
The scope or payment may not reflect the damage supported by your records.
Review an underpaid claimStalled
Inspections, supplements, requests, or responses aren’t moving the claim forward.
Move a stalled claim forwardBUILT FOR ROOFING COMPANIES
Stay focused on roofing.Give difficult claims somewhere professional to go.
Your team provides the technical roofing record. FlatRatePA.com reviews the file. The homeowner independently decides whether to proceed with an engagement.
- 01
ROOFING COMPANY
The problem file
Inspection findings, contractor estimate, measurements, and photos.
- 02
FLATRATEPA.COM
Review & qualification
Compare the carrier’s position with the record. Identify support and missing information.
- 03
HOMEOWNER
An informed decision
Consider the recommendation and proposed scope. Choose whether to engage.
- 04
IF APPROPRIATE
Written engagement
Representation begins only after acceptance and a separate signed agreement.
Send what you already have.
Start with the carrier decision, estimates, photos, and claim correspondence. The review identifies any additional information needed.
- Guided document collection
- File completeness review
- Clear next steps
THE FLATRATEPA.COM METHOD
Document. Review. Act.
One connected record. A reason for every next step.
- 01
Document
Build the record around the carrier’s decision.
- Policy & decision letters
- Estimates & payment history
- Photos, measurements & correspondence
A usable claim record
- 02
Review
Compare the position with the evidence behind it.
- Scope, quantities & pricing
- Relevant policy material
- Supported differences & missing records
A clear view of the gaps
- 03
Act
Choose the appropriate path for this file.
- A next-step recommendation
- Carrier communication after engagement
- Reinspection or appraisal review when appropriate
A documented next action
Every accepted claim has a documented current status, next action, responsible party, and follow-up date.
A DISCIPLINED REVIEW
The position is only the beginning.
A decision letter tells one part of the story. The policy, scope, estimates, and supporting documents help establish the next supportable step.
One record. A reason for every next step.
- Independent and unbiased
- Clear, written findings
- Built for homeowners
WHAT THE REVIEW COVERS
A difference in estimates is the start of the analysis.
We look at what differs, why it differs, and whether the claim record supports it. The documents available and the agreed scope determine how far the review can go.
What has the carrier decided?
What we examineDecision letters, payment history, policy forms, endorsements, and claim correspondence.
What we look forThe stated reason for the decision, relevant policy provisions, known deadlines, and unanswered questions.
Where do the estimates differ?
What we examineCarrier and contractor estimates, revisions, and supplements, aligned for comparison.
What we look forMissing scope, quantity and pricing differences, and how depreciation and deductibles are treated.
What supports each disputed item?
What we examinePhotographs, measurements, inspection findings, and available repairability or code documentation.
What we look forThe record behind each difference, including any missing evidence needed before it can be supported.
What can happen next?
What we examineThe claim timeline, open issues, available support, and outstanding document requests.
What we look forWhether the file is ready for engagement, needs more information, or calls for a different qualified professional.
You leave the initial review with a next-step recommendation.
We explain whether the file appears suitable, what is missing, and the proposed scope if an engagement is appropriate. A file that does not currently support a credible path may be declined.
Explore scope and estimate analysisUNDERSTAND THE ROLE
Two roles. Different responsibilities.
A carrier adjuster evaluates the claim for the insurer. A public adjuster represents the policyholder under a separate written agreement.
THE INSURER’S CLAIM PROCESS
Carrier adjuster
Evaluates the loss for the insurer and communicates the carrier’s claim position.
THE POLICYHOLDER’S REPRESENTATIVE
Public adjuster
Documents the loss, presents supporting evidence, and manages claim communication within the agreed scope.
Submitting a review request does not create representation. FlatRatePA.com does not repair roofs or provide legal advice.
About our role & responsibilitiesCLEAR SCOPE. CLEAR TERMS.
Know the next step. Know the cost.
- 01
Free
Initial review
Send what you have. We check the file and explain the next step.
- 02
$300
Flat fee at signing
For accepted files, paid by the policyholder when the engagement agreement is signed.
- 03
Agreed scope
Work moves forward
Estimate comparison, appropriate claim communication, coordination, reconciliation, and status updates within the agreement.
No hourly billing or percentage fee. The signed agreement and applicable Texas compensation limits control. Commercial and complex-loss work may require a separate proposal.
View the full scope & fee termsThird-party costs are separate. Appraiser, umpire, engineering, laboratory, and testing fees are set by those providers and paid by the policyholder. They are not part of the flat fee, and we disclose them before appraisal is invoked or any specialist is engaged.
What the $300 engagement includes
The accepted file and signed agreement define the work. Within that scope:
- 01Claim chronology
- 02Claim and issue classification
- 03Carrier-versus-contractor estimate comparison
- 04Estimate review and reasonable revision within the agreed scope
- 05Carrier communication for accepted claims
- 06Reinspection or reconsideration coordination when appropriate
- 07Appraisal-readiness review when appropriate
- 08Settlement and payment reconciliation
- 09Status updates
PROBLEM FILES
What makes a file worth sending?
Roof claims with a documented disagreement, an incomplete scope, or an unresolved carrier position.
01Denied roof claims
The carrier disputes coverage or the reported cause of damage.
Denied roof claims02Underpaid or partial approvals
Accepted damage leaves supported roofing items unresolved.
Underpaid or partial approvals03Delayed or stalled claims
Requests, inspections, or responses have stopped moving the file forward.
Delayed or stalled claims04Repair vs. replacement
The scope disagreement affects the proposed repair approach.
Repair vs. replacement05Hail & wind scope disputes
The reported storm damage and carrier scope differ.
Hail & wind scope disputes06Missing code-required work
Relevant code documentation may support disputed work.
Missing code-required work07Discontinued shingles
Material availability or matching needs further documentation.
Discontinued shingles08Policy-authorized appraisal
An amount-of-loss dispute may warrant appraisal-readiness review.
Policy-authorized appraisal09The carrier’s final position
The carrier indicates it will not reconsider its current decision.
The carrier’s final positionNot every disagreement needs a public adjuster. That’s why the review comes first.
The right starting point for your role.
YOUR CUSTOMER’S PROBLEM FILE
I’m a roofing professional
Provide the estimate and technical record. The policyholder independently requests review and signs any engagement.
Submit a problem fileCommon questions, clear answers.
What to expect from the review, pricing, and representation process.
Find out whether the claim deserves another look.
Send the documents you have. We’ll identify the next reasonable step and any information still missing.