One authority, read twice.

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.

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.

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).

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.

What the work requires

OG 75-160 (Exhibit 26, April 2018) states the carrier’s own historical estimating positions: waste of 5% flat, 10% gable and 15% hip roofs under its described method, steep charges from 7/12, additional labour for two-story work, and tear-off of reasonable repairs without depreciation. Cite it by exhibit and page as a carrier document, then still show what the selected line item already includes.

What the policy owes

Ratios are not denial rates. The full-to-partial roof payment ratio fell from 5.6:1 to about 2:1, and indemnity fell about $1.4 billion year on year (Exhibit 6); the email also says volume fell and severity rose. Use it to frame questions about management review and measurement, never as a percentage of homeowners denied.

What the work requires

The carrier on the declarations page tells you how the claim will be adjusted. A company closing half its claims with nothing paid is one whose desk adjusters are comfortable with “no covered damage” and “under deductible”; write the inspection and the estimate to survive that, with test squares, collateral damage and photographs of each slope.

What the policy owes

“Closed with no payment” is a regulatory count, not a denial rate, and an argument built on the wrong word loses. Cite the column (Schedule P, Part 3A, columns 11–12, row 11) and let the spread between carriers make the point.