Wind damage to this roof allowed water to leak into the home, causing multiple issues. The Insurance Company’s Independent Adjuster originally wrote an estimate to pay for a roof replacement. He sent that estimate to the insurance company and to the homeowner. After reviewing the estimate, the Insurance Company made the adjuster revise it to only pay for a small repair on the roof. So, naturally, their adjuster changed his estimate, and re-submitted to both the homeowner and the Insurance Company. The Insurance Company then issued the homeowner a check for the lower amount.
The policyholder called Noble frantic for help, questioning the legality of what had happened. Noble took over the claim and made the Insurance Company stand good for the original estimate, which replaced the entire roof and repair the interior damages. Once an Insurance company has made an offer to a policyholder (especially in writing), legally and ethically they are required to honor that offer; even if the adjuster they hired was an Independent third party adjuster, they are still acting on behalf of the Insurance Company. This precept is called “The Power To Bind” in the insurance world.