Written by Corey A. Thrush
Protecting Yourself From Scrupulous Adjusters & Contractors in 2020
Protecting yourself from unscrupulous adjusters and contractors in 2020 became a real concern for many Miami Valley homeowners after the devastating tornadoes. Months — and in some cases over a year — after the storms, families were still fighting to get fair settlements and proper repairs. Delays, denials, and underpaid claims left people stuck, unable to rebuild or move forward. Protecting yourself from unscrupulous adjusters and contractors isn’t optional — it’s essential.
At Thrush & Son, we’ve seen too many homeowners get taken advantage of during insurance claims. Some adjusters omit legitimate line items, while some contractors overpromise and underdeliver. Protecting yourself from unscrupulous adjusters and contractors starts with knowing the red flags, understanding your rights, and working with trustworthy professionals.
The Hidden Traps in Insurance Scopes of Loss
Protecting yourself from unscrupulous adjusters starts with reading the scope of loss carefully. Common reasonable and legitimate line items are often omitted or undervalued. For example, GAF Timberline HD & Ultra HD shingles require starter strip and hip & ridge shingles — explicitly stated in manufacturer instructions: “Use GAF Starter Strip Shingles along the eaves” and “Install GAF Ridge Cap Shingles.”
Many insurance companies claim these are covered in a 10–15% waste factor, but Xactimate (the software most adjusters use) lists waste based on material type, roof model, valley type, starter course, exposure, and bundle rounding — not hip & ridge shingles. GAF even issued a document clarifying: “GAF Timberline Shingles are laminated shingles and are not suitable for use as hip and ridge cap shingles.” Protecting yourself from unscrupulous adjusters means knowing these line items must be included separately.
Building Codes & Legitimate Line Items
Protecting yourself from unscrupulous adjusters also means understanding building codes. In Montgomery County and across Ohio, asphalt shingles must be fastened to solidly sheathed decks. If existing sheathing is spaced lumber or damaged and can’t hold a nail, it must be covered or replaced. Protecting yourself from unscrupulous adjusters means demanding code-compliant repairs — not shortcuts that leave your home vulnerable.
Other omitted items like decking, sheathing, and ice & water shield are required by local, county, or state codes. Ignoring them isn’t just cheap — it’s dangerous. Protecting yourself from unscrupulous adjusters means insisting on full compliance every time.
Contractors & UPPA Violations
Protecting yourself from unscrupulous contractors is just as important. In Ohio, the Unlicensed Practice of Public Adjusting (UPPA) law prohibits anyone other than a licensed claims adjuster from negotiating or representing you in a property insurance claim. If a contractor offers to “negotiate your claim,” “represent you,” or calls themselves an “Insurance Claims Specialist” who will “handle your claim from start to finish,” they’re violating UPPA — and risking your settlement.
Protecting yourself from unscrupulous contractors means working with reputable pros who focus on repairs, not false promises of claim negotiation. A good contractor helps you understand the scope and code requirements — not pretends to be your adjuster.
What to Do If You’ve Been Taken Advantage Of
If you feel you’ve been shorted by an adjuster, denied legitimate line items, or dealt with a contractor acting fraudulently, protecting yourself means taking action. Contact your local Better Business Bureau and the Ohio Department of Insurance. File complaints, share documentation, and get your claim reviewed properly.
Protecting yourself from unscrupulous adjusters and contractors isn’t just smart — it’s your right. You deserve fair treatment, full payment for legitimate repairs, and a home rebuilt the right way.
Built on Trust Since 1960
Since 1960, Thrush & Son® has remained family-owned and operated, built on craftsmanship, integrity, and long-term relationships. What began more than six decades ago has grown into an award-winning exterior renovation leader trusted by homeowners across the Miami Valley.
Our reputation isn’t accidental — it’s earned through consistent quality, proven systems, and a commitment to doing the job right the first time. For additional ideas on improving exterior performance year-round, explore exterior home upgrades across the Miami Valley.
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