6 Great Questions to Ask your Public Adjuster:
Is my policy roof surface schedule, actual cash value, or replacement cost value? What is my deductible? (Wind/Hail) Are there any applicable exclusions to a storm related loss? What is the statute of limitations on a claim? Do I have Ordinance and Law/Building Code upgrade coverage? (If so, limits?) Can you please explain the loss settlement provision to me?
These questions should only be answered by people who are legally able to interpret your policy. In our experience, homeowners who understand (at least) these portions of their policies are better suited to make decisions on whether or not to file claims. Our hope is that all of our homeowners are able to make confident decisions while navigating their loss. The best way to accomplish this, is to consult the appropriate experts to answer any/all questions you may have about coverage, expenses, and building code requirements.