How to Protect Yourself from Public Adjuster Scams

Roof damage is going to happen…

…to almost anyone living in the state of Florida.

It is simply one of those things we accept as residents, right?
Let me explain.

If you’ve not yet experienced roof damage great…but my goal is to:

  • Inform you of vital information that will benefit you in case you need to file a claim for roof damage.
  • Help ensure you get the best service available when your roof is being replaced
  • Get the best bang for the buck from your insurance company

When a claim is filed for roof damage…there is a series of processes required.

Oftentimes, people do not have a clear understanding and assume that once the adjuster evaluates and provides a quote for the damage that the actual replacement will begin.

Unfortunately, this is far from the actual course of action that is involved.

As a roof replacement contractor…

…I have heard numerous nightmares of storm victims being misled by public adjusters or lawyers.

These professionals run radio ads professing to get the best deal or pose an offer like…


Have you ever questioned what they are getting the most of?

Do they truly understand or care about the repercussions you’ll endure?

Or if your roof is not replaced properly?

Unfortunately, most of the time, these individuals are focused on earning a percentage from the insurance claim you file rather than truly understanding the in-depth steps that go into properly assessing the damage prior to helping with the claim.

Public adjusters and lawyers are often motivated to acquire new clients so they can make money off of the claims filed versus having any inclination of considering whether or not your roof replacement meets building code standards.

At AJ Wells Roofing, we offer free inspections and because we restore and replace roofs on a daily basis, we are familiar with all building codes.

We know how to spot issues and we stand behind our services.

Every home receives a 10-year warranty on workmanship coverage, plus we use only quality products, which are backed by manufacturer warranties that last up to 50 years.

While storms can often cause damage that is visible at ground level, it can also pose issues that are not quite so obvious, but can compromise the integrity of your roof and cause you more expense and stress later on.

However, when you rely on the experts that deal with an assortment of roof issues on a regular basis, you can have peace of mind that the less prominent issues will be spotted.

Not only does this provide better roof protection for you during a future storm, it also helps alleviate minor issues and prevent them from developing into major problems.

Why Not to Hire a Public Adjuster When It Comes to Your Claim

Filing a homeowner’s insurance claim can be both stressful and confusing, especially when there is heavy damage that needs to be repaired as quickly as possible. This process determines how your home is repaired, and who will cover which portion of the costs to restore your house to its original, undamaged condition. Homeowners rightly want to protect themselves during what can be a frustrating process.

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The Assignment of Benefits (AOB): To Sign or Not to Sign

Roof replacement_sheathingWhat is the contractor asking me to sign?

Reputable contractors and roofing companies will ask you to sign an Assignments of Benefits contract (AOB). The AOB transfers the insurance claims rights or benefits of your insurance policy to the service provider. Signing the AOB allows the service provider to be in direct contact with the insurance company about the claim filed. You may be asking, “Why do they need a contract?” Continue reading

Repairing Structural Hurricane and Storm Damage

A hurricane can leave your entire life in a shambles. High winds blow in a world of uncertainty, heartbreak, and doubt as they leave destruction of property and structural damage in their wake. In this emotional time, you need people you can trust to help you rebuild and restore.

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Rebuilding After Hurricane Michael

Did your home sustain damage during Hurricane Michael? If you were fortunate, you have minimal damage left behind to deal with in the wake of the storm. However, many residents of the Florida Panhandle—particularly the Lynn Haven and Panama City areas—have found far more than superficial damages and blown down branches. If you live in those areas, you may have major repairs to make to your home, and the overwhelming clean-up may make it feel like you’ll never be able to get back to normal.Continue reading

Can a Roofer Legally Waive My Insurance Deductible?

Deductibles can be intimidating, especially when you’re staring down an expensive piece of home repairs. The instinct to lower what you have to pay out of pocket may tempt you to consider the offers of contractors who claim they can waive the deductible or offer a kickback and deliver a low-cost repair. While this sounds like a bargain, it can be the furthest thing from a good deal.Continue reading

Lingering Hurricane Damage? Call an Insurance Restoration Specialist First

Do you have lingering roof damage from Hurricane Irma, or even Hurricane Matthew? Have you filed your claim, had your insurance adjuster come out to your property to assess the damage, and received your report? While the next step of finding a contractor may seem simple, there can be a lot of confusion in the process.

As a homeowner, you are now stuck with a confusing report that may be shorting you by leaving out line items required to properly put your property back to its pre-loss condition. Our goal is to prevent insurance companies from taking advantage of homeowners while providing you with friendly, efficient, and quality roofing services.

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Water Stains on the Ceiling after a Storm: Possible Roof Problems

Rainy roof.jpg


Storms aren’t particularly uncommon in the Jacksonville area, even when it’s not hurricane season. While most storms are nothing to worry about, they can pose threats to your home, particularly to your roof. In most instances, you’ll weather the thunder, lightning, wind and rain and emerge unscathed. What happens if you notice water stains on the ceiling after a storm, though? This is a sign that there might be some serious problems with your roof. Here’s what you should know:

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