Can I Choose My Own Roofer After a Storm Insurance Claim?
If your home in Shelbyville took a hit during one of our recent storms, you’re probably working through the insurance process right now. And at some point, your adjuster may drop a line like:
“We have a roofer we recommend…”
or
“You should get three estimates before moving forward.”
Let’s be real: that’s not about helping you — it’s about helping the insurance company control the cost and timeline of your home restoration project.
Here’s what you need to know:
You don’t have to use the roofer they recommend.
You don’t have to get three estimates.
And in fact, doing so could actually slow things down.
You Have the Right to Choose Your Own Roofer
No matter what your adjuster says, you are legally entitled to pick the roofing contractor you trust. Indiana law supports that, and your insurance company cannot force you to work with their preferred vendor.
At Indy Exterior Services, we work for you — not your insurance company. We live here in Shelbyville, and we’re focused on helping homeowners restore their roofs properly and completely. No shortcuts. No cut corners.
What’s the Deal with the “Three Estimate” Suggestion?
This one’s common, and it sounds innocent enough.
“We recommend you get a few bids for comparison.”
But let’s be honest — you’re not paying for the roof out of pocket. The insurance company is. They want multiple estimates because they’re hoping someone will come in cheaper so they can pay out less.
And unfortunately, the cheapest quote often means:
- Cheap materials (even factory seconds with no warranty)
- Rushed labor
- Poor workmanship
- Long-term issues you’ll have to fix later
Plus, getting multiple estimates just delays the process — which means more time with a damaged roof.
When you work with Indy Exterior Services, we provide detailed documentation and fair pricing based on real material and labor costs. That’s all your adjuster needs.
Why You Should Choose Your Own Roofer (And Not Theirs)
Insurance “preferred vendors” often work on terms that benefit the insurer, not the homeowner. That can mean:
- Skipping over damage to reduce payout
- Doing the bare minimum
- Recommending repairs when a full replacement is warranted
We’ve seen it firsthand — and we’ve been called to fix their work more than a few times.
When you choose us:
- We perform a full inspection of your roofing system
- We take photos, document everything, and meet with your adjuster
- We advocate for a full roof replacement if it’s warranted
- We use Malarkey roofing materials backed by real warranties
- And we do the job right — every time
What Will I Have to Pay?
Most insurance claims for storm damage only require that you pay your deductible — usually around $1,000. That’s it.
If the damage is covered, your insurance pays the rest based on their valuation. You don’t have to choose the cheapest contractor just to save them money.
And if any roofer says they’ll “waive” or “absorb” your deductible, run — that’s insurance fraud, and it could get you in hot water too.
Don’t Let the Insurance Company Call the Shots
This is your home, not theirs. You’ve paid your premiums. You deserve to have the work done by someone you trust — not whoever saves your insurance provider a buck.
We’re not the cheapest roofer in Shelbyville, and we’re proud of that. Because we do things the right way. We use quality materials. We stand behind our work. And we treat your roof like it’s our own.
👉 Read why working with the cheapest roofer can cost you more
Let’s Make Sure Your Roof Is in Good Hands
If your roof has storm damage and you’re not sure what to do next, give us a call. We’ll handle the inspection, meet with your adjuster, and walk you through the process from start to finish.
We’ve done this hundreds of times for Shelbyville families — and we’re here to do it for you too.
Don’t get stuck with a cut-rate roof. Work with the best roofer in Shelbyville.