Your insurer has offered a contractor for your roof claim. This is one option. But it might not be the right option for you. First, it does not tell you whether the proposed roofing work fits your house. Second, it might not cover questions or incidents that arise after the installation.
Some important steps to help your decision are:
- compare the insurer’s estimate,
- compare each roofer’s proposal, and
- compare the written terms of any contractor program before you decide.
Remi can take on the roofing work in one of two ways. With select carriers, Remi is an approved option and follows that carrier’s requirements for photos, documentation, and inspection submission. You can also contact Remi yourself during an open claim. Either way, Remi assesses and scopes the roof work, then coordinates installation through its local contractors. The insurer decides what the policy covers and pays. You decide which roofing contract to sign.
Find out what the carrier’s recommendation actually includes
Ask your adjuster whether the recommended roofer is part of a formal repair program or simply a name the insurer supplied. Request the program terms in writing, including where photos and estimates go, who reviews scope differences, whether there is a program warranty, and which services change if you hire a different roofer. Those answers depend on your carrier, policy, and location. A referral alone does not answer them.
The National Association of Insurance Commissioners (opens in a new tab) describes the contractor as the person you hire to manage repairs. NAIC also advises against feeling rushed into an agreement. The Federal Trade Commission (opens in a new tab) recommends comparing written estimates and checking a contractor’s license and insurance before signing. If the carrier tells you a particular contractor is required, ask them to identify the policy or program term and check the answer with your state insurance department. Contractor-choice rules and program terms should not be assumed from another state’s example.
What happens when your insurer refers you to Remi
Remi works with select carriers and follows their requirements for roof photos, documentation, and inspection submission. When a carrier refers you to Remi, the adjuster inspects the loss and sends Remi a referral and scope of loss. Then Remi prepares a roofing estimate from that scope. The adjuster reviews it, and Remi reviews the proposed work with the homeowner. This occurs before the homeowner decides whether to sign. Your adjuster can confirm which steps apply to your carrier’s program.
It’s important to remember that the adjuster’s loss inspection and Remi’s roofing assessment have different purposes. Remi can document roof conditions, explain construction discrepancies, and help you understand questions that the carrier asks about its estimate. The carrier still decides coverage and payment. Read our insurance-claim FAQ and claim-roles guide that describe these boundaries.
Before work starts, ask Remi for the itemized roofing proposal and the contract you would sign. Compare them line by line with the insurer’s scope. Even if the carrier has reviewed an estimate, you still need to know the materials, roof areas, permits, cleanup, price, and change process in your own agreement. Be aware that a claim estimate and a roofing contract serve different purposes. Our claim-roles guide makes that distinction explicit.
Jodie G., who said an insurer introduced them to Remi, wrote in a customer review:
Always answering my questions and looping us in on decisions we needed to make.
One homeowner’s experience. Ask your adjuster how your own claim will proceed.
What happens when you contact Remi yourself
Tell Remi that you already have a claim, its current stage, and whether you have received the adjuster’s scope. Remi’s team first gathers property and storm details, including known leaks, prior repairs, roof age, and solar panels. An onsite inspection may or may not be the first step. We can start with aerial measurements and an itemized roof quote. This information can be requested before, during, or after claim review.
Find out how your adjuster wants Remi’s construction scope submitted for review. If Remi identifies a difference, ask for explanation of the physical work and evidence behind the line item. Also ask the insurer whether the item is covered, what further documentation is needed, and what happens if a request for more work or cost is not approved. Neither a Remi quote nor a carrier referral guarantees a claim outcome, payment amount, or installation date.
Already have your insurer’s scope? Request a Remi roof quote so you can compare the proposed work side by side before choosing a contractor.
Compare the work and the handoffs before choosing
Use the same questions for every roofer you are considering. When Remi is the contractor your insurer offered, ask Remi these questions, too. The useful comparison is what each roofer will do on your roof and what will be written down.
| Decision point | What to get before you sign |
|---|---|
| Roof scope | An itemized proposal showing roof areas, materials, underlayment, flashing, vents, disposal, permits, and any solar work. Mark differences from the carrier’s scope and ask who will explain them. |
| Price and changes | The roofing contract’s price, payment terms, exclusions, and process for hidden conditions or upgrades. Ask what you may owe if the carrier pays less than the proposal. Remi’s price guarantee has eligibility and exclusions; check your own quote. |
| Claim documents | The name of the person who gathers photos, measurements, and completion records, plus the carrier’s submission method. Ask your adjuster who makes the next claim decision. |
| Project communication | An account manager for each worksite, one day-to-day contact, the events that trigger an update, and how schedule changes reach you. |
| Completion and concerns | The cleanup and quality-check standard, permit or final inspection responsibility, warranty terms, and the contact for a leak or unfinished item after the crew leaves. |
This comparison matters even when the insurer and roofer already know each other. In Remi’s approved-carrier route, the carrier sets documentation requirements, but you still need a clear construction scope and a contact for workmanship concerns. An independently chosen roofer may prepare a proposal that the insurer still needs to review. Ask for the named owner of each open step.
After signing, send the question to the right person
For coverage, deductible, the insurer’s estimate, or a request for more claim payment, contact your adjuster or insurer. For the roofing scope, materials, crew schedule, permit coordination, cleanup, or workmanship, contact the roofer named in your contract. When Remi’s roofing work is ready to schedule, an account manager handles project communication. Remi coordinates permits where required and schedules the crew. You can reply to our texts or contact our support team with a project question. After installation, Remi gathers the photos, routes a possible workmanship or project-damage issue to operations, and coordinates a return visit when needed. We also want to know if you have any concerns. Review the Remi warranty and your contract for the terms that apply to your roof.
Before deciding, request the carrier’s program terms and current claim scope, then get the proposal and contract each roofer would use. If Remi serves your address, you can request a roof quote for that side-by-side review. Choose the contractor whose written scope and responsibilities you understand well enough to authorize.
Sources
- 01What You Need to Know When Filing a Homeowners Claim (opens in a new tab), National Association of Insurance Commissioners. Accessed 2026-09-29.
- 02How to Avoid a Home Improvement Scam (opens in a new tab), Federal Trade Commission. Accessed 2026-08-30.
