In one paragraph. A contractor documenting their own scope of work, with the building code that supports it, and submitting it under their own name, is lawful in every state we have reviewed. A third party negotiating a claim on a policyholder's behalf without a licence is not. QuickSupp is built to sit firmly on the first side of that line, and this page explains exactly how, because the difference is worth money and a licence to you.
1. We are not a public adjuster
Every state licenses public adjusters, who are the people permitted to negotiate an insurance claim on behalf of a policyholder. Doing that work without a licence is the unauthorised practice of public adjusting, and it is enforced. Regulators have issued cease and desist orders and consent orders to contractors, and in some cases the trigger was nothing more than the wording on a company's website.
QuickSupp is not a public adjuster, is not licensed as one in any state, and does not perform any part of that role. We are software that helps you write down what your own scope of work requires.
2. The bright lines
| QuickSupp does | QuickSupp does not |
|---|---|
| Read the estimate a carrier produced | Contact the carrier, the adjuster, or the homeowner |
| Identify items missing from that estimate | Negotiate, adjust, or settle a claim |
| Cite the code section or manufacturer instruction behind each item | Interpret an insurance policy or advise on what is covered |
| Price items from the carrier's own printed rates | Represent a policyholder or act on their behalf |
| Draft documents in your voice, for you to send | Submit anything to anyone |
| Track your own follow ups and deadlines | Give legal advice |
The wording of what we produce follows the same rule. Drafts describe and document your scope of work. They do not demand, negotiate, or assert what a policy covers. Rebuttal drafts are written as clarifications of scope from the contractor, never as advocacy on the claim.
3. What this requires of you
The lawfulness of the arrangement depends on you as much as on us:
- Supplement only your own scope. Document work you are contracted to perform on that property. Do not use QuickSupp to review claims you are not working.
- Submit under your own name. Never present the draft as coming from a third party, a consultant, or an adjuster.
- Do not advise on coverage. When a homeowner asks whether their policy covers something, the answer is that this is between them and their carrier. Answering it for them is where contractors get into trouble.
- Mind your marketing. This is the part contractors most often miss. Regulators have acted on advertising language alone. Describing yourself as an insurance claim specialist, or offering to handle, maximise, negotiate, or fight a claim, can be treated as holding yourself out as a public adjuster even if your actual work is fine. Say that you document your scope.
4. How we handle building codes
A wrong code citation is worse than no citation. An adjuster who catches one stops trusting the rest of the document, and reasonably so. Our approach:
- We cite the edition that actually applies where the roof is. Where we have read the city's own ordinance, we cite that. Where the state adopts one edition and leaves a city nothing to opt out of, we cite the state's, and say that is what we did. Cities in the same metro area routinely sit on different editions, so a generic national list is not good enough.
- We quote the section text so the adjuster can read it rather than take our word.
- We say honestly what kind of requirement each item is. Some items are code. Some are the manufacturer's installation instructions, which most residential codes make enforceable by reference. Some are neither and are simply scope accuracy arguments. We label which is which, because conflating them is how a supplement loses credibility.
- Where a property is outside city limits and no municipal code is enforced, we say so and drop the code framing rather than pretend.
- Where we are not confident, the draft says to verify with the local building department instead of asserting.
5. What we refuse to cite
These claims circulate widely in the roofing trade and are false, or true only somewhere else. Several of them are real requirements in one state and myths in the next, so what we refuse to cite depends on where the roof is. We will not put the wrong one in your documents, even though some competitors and many contractor blogs do:
- An eave ice barrier where the jurisdiction has not designated one. The residential code requires it only where the jurisdiction has designated a history of ice forming at the eaves. The regional amendments used across North Texas designate that it is not required, and Florida's residential code does not contain the provision at all. Where a jurisdiction has designated it, it is a legitimate item and we treat it as one. Where the designation is merely unconfirmed, we do not assert it either way. Valley lining is the legitimate related item.
- A "25 percent rule". The provision people cite does not contain it. The real rule was Florida's, and Florida repealed it in 2022.
- Matching, as a scope argument. Nine states do have a matching regulation, so we will not tell you one does not exist. We still will not argue it for you: matching is a question about what your policy owes, and this product documents what the roof needs. Coverage questions belong with your carrier, your policy, or a licensed public adjuster.
- Ventilation upgrades as triggered by a reroof. Replacing damaged vents is payable. Bringing an existing roof up to a current ventilation ratio is an improvement, not a code trigger.
- Re nailing sound decking where it is not required. Florida requires existing sheathing to be renailed when a reroof exposes the deck, and there we will ask for it. Most states have no such requirement, and asking for it there reads as padding.
6. Insurance fraud
Asking a carrier to pay for work that will not be performed, or for damage that does not exist, is insurance fraud. It is a felony in most states and it is prosecuted against contractors.
The product is built so it cannot help you do it. Items are added only when a code section, a manufacturer instruction, or a measurement supports them. Condition based items such as decking replacement require photographic evidence, and without it they appear as something for you to verify on site rather than as an assertion. Before any draft is generated you confirm that the items reflect actual damage and the actual work you will perform, and that confirmation is recorded.
If you ask us to pad something, we will decline, and we will close accounts that try.
7. Deductibles
Paying, waiving, rebating, absorbing, or advertising to cover a policyholder's deductible is unlawful in many states and a criminal offence in some, including Texas. Carriers increasingly require proof the deductible was paid before releasing withheld depreciation. QuickSupp will not produce documents designed to disguise a deductible arrangement.
8. Ordinance and law coverage
Items required by code that the original roof did not have are usually payable only where the policy includes ordinance or law coverage. Our drafts word those items accordingly, as payable where such coverage is present, rather than asserting that a particular policy covers them, because we do not read policies. Items the original roof already had are a different argument entirely, and the draft frames them as replacement of existing components rather than as upgrades.
9. Estimating software and price lists
Xactimate and Symbility are products of their respective owners. QuickSupp is independent and is not affiliated with, endorsed by, or licensed by Verisk, Insurance Services Office, Inc., or any carrier.
Estimating price lists are proprietary. We do not store, copy, or reproduce any of them. Pricing in your draft comes from the carrier's own estimate, where their rate for an item is already printed, and is cited to that line. Where it is not, the item is delivered with its quantity and no price. Macro files we generate contain no pricing; your own licensed copy of the estimating software prices them on import, under your licence.
10. State notes
General guidance, not legal advice, and not a complete list. Check your own state:
- Texas. Insurance Code chapter 4102 governs public adjusting, and the licensing requirement has been upheld against constitutional challenge. A contractor who is also a licensed public adjuster may not act in both roles on the same claim. The Department of Insurance has stated that a contractor may discuss supplements and clarifications regarding its own revised estimate with the consumer and the carrier.
- Florida. Statute 489.147 bars contractors from interpreting policies, advising on coverage, or adjusting claims, restricts certain advertising, and carries penalties per violation. Assignment of benefits is prohibited for residential policies issued since 2023.
- Colorado, Minnesota, Iowa, Louisiana, New Jersey. All restrict contractors from representing or negotiating claims, several impose per violation penalties, and enforcement in recent years has included warning letters, consent orders, and arrests. Iowa's enforcement wave was driven substantially by marketing language.
- Everywhere. The safest description of what you do, and an accurate one, is that you document your own scope of work and submit it yourself.
This page is information, not legal advice. We are not your lawyers. Licensing and code requirements change, and they vary by state and city. If you are unsure whether something you want to do is permitted where you work, ask an attorney or your state insurance department before you do it.
Found an error?
If a code citation in one of our drafts is wrong for your jurisdiction, or a statement on this page is out of date, tell us at info@tryquicksupp.com. We correct citation errors as a priority, because a wrong citation damages your credibility with an adjuster and that is the opposite of what you pay us for.