Insurance-Safe Documentation Boundaries
The Roof Shepherd operates at the documentation and homeowner education layer. The boundary between documentation and public adjusting is explicit, maintained, and never crossed.
The Boundary
What we do. What we do not do.
What The Roof Shepherd Does
- Observes visible roof and property conditions
- Documents conditions with photos, location notes, and plain-language descriptions
- Explains what documented conditions mean for the homeowner’s decision
- Organizes field records the homeowner can use independently
- Educates homeowners about materials, storm damage patterns, and contractor vetting
- Coordinates with licensed contractors after the homeowner decides to proceed
What We Do Not Do
- Act as a public adjuster or represent homeowners in claim negotiations
- Interpret insurance policy language or coverage applicability
- Guarantee that documented conditions will result in a covered claim
- Waive, absorb, rebate, or pay insurance deductibles in any form
- File insurance claims on behalf of homeowners
- Tell homeowners whether damage is "covered" by their policy
Why This Matters
The public adjuster boundary is a legal and ethical line.
In Texas, acting as a public adjuster without a license issued by the Texas Department of Insurance is a violation of the Texas Insurance Code. Contractors who claim to handle your claim, negotiate your settlement, or guarantee your deductible is covered are either operating as unlicensed public adjusters or violating Texas HB 2102’s deductible waiver prohibition. Both carry legal exposure for the contractor and can void your policy’s fraud provisions.
Texas HB 2102 compliance: The Roof Shepherd does not waive, discount, absorb, or pay an insured’s deductible in any form, directly or indirectly, as an inducement to make a property damage insurance claim or perform any service on an insured property.
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