Roof Claims Debate: PA vs. Insurance Attorney

Do insurance companies make policies confusing on purpose? Are roof claims actually underpaid, or are contractors and public adjusters inflating them?

In this video, Dmitry hosts a raw, unfiltered debate between public adjuster Sam Cook and insurance attorney Steve Badger. If you’ve ever dealt with an insurance claim, hail damage, or a denied roof replacement, this is a must-watch.

They go head-to-head on some of the biggest questions in the roofing and insurance world:

  • Are insurance companies underpaying claims?
  • Do public adjusters really help homeowners—or just take a cut?
  • Why do claims change after inspections?
  • Who should homeowners actually trust?

One side argues that public adjusters fight to get homeowners fully paid, while the other says most claims fall into “reasonable disagreement” and get resolved fairly.

The reality? It’s not black and white.

There are issues on both sides: undertrained adjusters, aggressive supplements, confusing policy language, and a claims process that can feel like a battle. But there’s also a system that (most of the time) works when everyone plays their role correctly.