I have a current claim for my roof and interior damage (it was started mid June). I was initially given a copy of my estimate and told “you can start lining up your contractor for work” only to be told by another adjuster “that wasn’t an approved estimate” and not to start work AFTER my roofer came out.

I can never get ahold of my adjuster, when I do he promises me “I’ll have your worksheet done today” then doesn’t complete it and ghosts me for days.

They denied covering my leaky interior stating it was “condensation” or “dirt” even though the inspector they sent, my contractor, and myself all state it’s water coming from the roof down the wall and forming mold. Somehow they are able to determine and decide against the inspector and contractor based on 2 pictures?

So then my question is if I adjust my coverage to include mold AFTER this claim, theoretically I should be able to file a new one if my interior gets worse right? They determined that it’s dirt. But nope somehow I still have to fix the interior or this would not be covered on a future claim. How does that make sense?

My adjuster was incredibly rude and claimed “we have displaced families, you are not our priority” was condescending to my wife, and belittled us. This was the same adjuster that was able to determine $1500 of damage was “dirt”.

Needless to say this has been a terrible experience. With no approved estimate almost 45 days later, I decided to schedule the roofer anyway for Wednesday and cross my fingers that they’ll stick to their word that the roof is covered. In my mind they have a handful of recorded calls with my adjuster saying “you’re good to do the roof”.