I'm open for some opinions from you guys

The more roofing experience someone in that position has the better for sure but i have to agree with woody as well for sure! That being said, It really doesn't matter at all to me. When i give a price to a homeowner that is my price. If their insurance company won't pay it thats too bad. Either the homeowner will foot the rest or they can get someone else. The insurance companies do not regulate my charges or my scope of work, I DO! Best of Luck in your new endeavor! :)>>>

Well I don't have all the details at the moment . However that being said : I do know that there are many times arbitration required when the insurance company and contractor are at odds as far as pricing and square count + the amount to work that needs to be done the scope. As it stands now for the most part the insurance company will capitulate if the heat is turned up and the screaming starts. Many of the roofers in Minnesota are aware the adjuster will give in because of the customer causing a fuss. I would be hired as an independent and work to find the truth in the estimate. I'm sorry for your situation JSC . It is local in scope with that large of a deductible. It has a Texas coast deductible 5% of policy limits. I don't make the rules. I might be in the position to be sure a fair estimate is available to both sides. It doesn't always work in the insurance company's favor. That side of the equation is not published as much as the other side of the roofing company claiming a bad faith or being ripped off etc. I don't know for sure any of that is real . It is a case by case. B) Oh yeah and by the way I know I can't be wrong becaues I got an Email from Brad after he came to his senses ,

Shrek, Brad Pitt and Jennifer Lopez were all having lunch together.

Shrek said, 'I have always thought that I'm the strongest man in the World, but how can I be sure?

Brad Pitt said, 'I'm pretty sure I'm the hottest man alive but I've Never had it confirmed'

Jennifer Lopez agreed. 'I'm told I'm the sexiest of them all, but Sometimes I wonder.'

They all decided that the best way to find out if their beliefs were true was to approach the wicked Queen's mirror to confirm for them whether Shrek was the strongest, Brad Pitt was the hottest and Jennifer Lopez was the sexiest.

They agreed to meet again the next day for lunch to discuss their findings.

The next day Shrek walked up with a smile. 'Well, it 's true. The mirror told me that I am the strongest man in the world.'

Jennifer Lopez followed and boasted, 'It is true, it has been confirmed that I am the sexist woman alive!!'

Brad Pitt walked in, head bent, tears in his eyes and asked,

"Who the hell is this Damn CIAK , " i dunno , i just dunno ?????? ">>>

What's an unfair estimate? The last tract work gl insurance I had cost $143.00 for every $100. of payroll, with a $5000. per home deductible, $143,000. minimum premium.>>>