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    National Roofing Directory

    The industry

    Technical paper series

    One authority, read twice.

    Peer-review-format papers on roofing code, manufacturer instruction and insurance claim practice. Each entry carries the abstract, the full reference list and two readings of the same authority — what the work requires of a contractor, and what the policy owes an insured — then links the complete paper at its original publisher.

    Written by

    Carl B. Brock

    Public Adjuster, Mantis Claims Group

    2 papers in the series. Each is published in full by Mantis Claims Group; this index carries the abstract, the reference list and both readings, and links the original.

    1. Paper 0130 references

      Roof Fall Hazards, 29 C.F.R. Part 1926, and the Cost of Lawful Fall Protection

      What federal law requires before a worker may lawfully stand on a roof, which of those requirements cost money, and why the same citations answer both the contractor’s question and the adjuster’s.

      For the roofing contractor

      What the work requires

      The six-foot trigger is a measurement, not a judgment. Under 29 C.F.R. § 1926.501(b), once a worker is 6 feet or more above a lower level on a roof with unprotected sides and edges, one of the enumerated systems must be in place before the work begins.

      For the public adjuster

      What the policy owes

      The duties attach to the employer performing the work by operation of 29 U.S.C. § 654, not to the estimate. No line-item deletion, estimating decision or negotiated price relieves the roofing contractor of them, and the property owner cannot waive them.

      Read the reference entry

    2. Paper 0223 references

      Supplementing a Roof Claim: Scope-and-Pricing, Coverage-and-Indemnity, and the Licensing Line Between Them

      One word describes two different exercises — documenting what a repair requires, and arguing what a policy owes — and in North Carolina only the second needs a licence.

      For the roofing contractor

      What the work requires

      Two different exercises share the word “supplement.” The contractor’s is scope-and-pricing: work or materials the repair requires that the original scope omitted. Arguing on the homeowner’s behalf, for compensation, that the settlement is insufficient is a different exercise — and in North Carolina it is public adjusting under N.C.G.S. § 58-33A-5(7).

      For the public adjuster

      What the policy owes

      Pursuing an underpaid claim is a coverage-and-indemnity exercise, not a scope exercise. It asks whether the policy insures the peril that produced the observed condition, what the valuation provision measures, what the conditions require of the insured and by when, and whether the tendered amount discharges the obligation.

      Read the reference entry