FranklyRoof Insurance Claim Review
An independent read on your roof insurance claim and the contractor circling it.
After a storm, the fastest people to your door are the ones who profit from a claim. Frankly reviews your adjuster's scope, the contractor's estimate, and the gap between them — so you understand your own claim before anyone asks you to sign.
Who this is for
- Homeowners with an adjuster's scope they can't interpret
- Owners asked to sign a contingency agreement by a storm-chasing roofer
- Anyone whose claim was denied or paid far below the contractor's estimate
- Owners weighing whether damage is even worth filing on
Problems it solves
- Contingency contracts signed at the door that lock you in before the claim is decided
- Adjuster scopes written in line-item codes no homeowner can read
- Contractors offering to "cover your deductible" — which is insurance fraud in California
- Supplements and upgrades bundled in so the claim funds work you never asked for
What you get
- Plain-English translation of the adjuster's scope and what it does and doesn't cover
- A clear view of where the contractor's estimate diverges from the claim scope
- Damage documentation gaps identified before your window to supplement closes
- Warning on any contract term that signs away your leverage
- Questions to put to your adjuster and to the contractor, in writing
- A written summary, typically within 48 hours
How it works
A clear, written process.
- 01
Send the claim paperwork
The adjuster's scope or loss report, any contractor estimate, the contract or contingency agreement you were asked to sign, and your damage photos.
- 02
We review it independently
We compare the claim scope against the contractor's estimate, flag documentation gaps, and read the contract terms for anything that limits your options.
- 03
You get a written summary
What the paperwork actually says, where the numbers diverge, and what to ask — typically within 48 hours.
Frequently asked
- Are you a public adjuster?
- No, and this is an important distinction. Frankly is not a licensed public adjuster and does not negotiate with your insurer, represent you in a claim, or handle the claim on your behalf. We review the documents so you understand them. If your situation calls for a licensed public adjuster or an attorney, we will say so plainly.
- A roofer offered to waive or cover my deductible. Is that allowed?
- No. In California it is illegal for a contractor to rebate, absorb, or waive an insurance deductible, and it exposes you as well as the contractor. Treat the offer as a strong signal about how that company operates.
- Should I sign a contingency agreement before my claim is approved?
- Read it very carefully first. Many contingency agreements commit you to that contractor for whatever the insurer eventually approves, with a cancellation penalty, before you know the scope or the price. Send it to us before you sign it, not after.
- Will you tell me whether to file a claim?
- We can help you understand what the documented damage appears to support and what filing typically involves, but the decision is yours and depends on your deductible, your policy, and your claims history. We do not give legal or insurance advice.
- What should I send for a claim review?
- The adjuster's scope or estimate, any contractor estimate, the proposed contract, and dated photos of the damage. Even a partial set is enough to start.
- Do you take referral fees from restoration contractors?
- No. No commissions, referral fees, or kickbacks from contractors, restoration firms, or suppliers. The homeowner is the only client.
Get an independent set of eyes on your project.
Send your estimate, scope, or estimate. We'll respond within 48 hours.