Insurance Claim Consulting, Appraisal & Umpire Support
When Coverage and Causation Collide
Insurance claims often fail not because of damage, but because of disagreement.
The adjuster calls it wear. The contractor calls it hail. The engineer calls it “cosmetic.”
The truth? It lies in the evidence — and that’s where RAC works.
At Roofing Analysis & Consulting (RAC), we serve policyholders, contractors, and carriers who need unbiased, data-driven clarity.
Our team provides the technical foundation for fair claim resolution through expert analysis, appraisal support, and umpire services, ensuring outcomes are based on science—not speculation.
The Problem: The Cost of Unclear Documentation
A claim can unravel quickly when field data, photos, and reports don’t align.
The consequences are familiar:
- Policyholders face delayed or denied coverage.
- Contractors are caught between scope disputes and coverage limits.
- Carriers and attorneys struggle to separate true damage from wear.
Incomplete or inconsistent documentation turns clarity into conflict.
RAC eliminates that ambiguity through forensic accuracy and RoofingLogix™-based documentation that stands up under review.
The RoofingLogix™ Methodology: Science Before Summary
Every RAC claim review and appraisal follows the same disciplined framework used in our forensic investigations — the RoofingLogix™ Methodology.
This proprietary system integrates ASTM, NRCA, SMACNA, ASHRAE, FM Global, IIBEC, and IICRC standards to ensure each conclusion is scientifically valid and policy-relevant.
RoofingLogix™ combines field evidence, environmental data, and material performance analysis to define the mechanism of loss—not assumptions.
For policyholders and contractors, it means every detail is measurable and defensible.
For carriers and legal professionals, it means the documentation withstands scrutiny.
Our Process
Step 1 — Claim Analysis & Documentation Review
- Review of policy, estimates, and prior reports
- Identification of coverage triggers, exclusions, and potential code conflicts
- Field data correlation between observed damage and weather or mechanical cause
- Preliminary findings prepared for owner, contractor, or counsel review
Step 2 — Appraisal & Expert Consultation
- Preparation of an independent estimate and statement of loss
- Direct collaboration with contractors, appraisers, and policyholders
- Technical representation during inspections or appraisals
- Expert consultation supported by RoofingLogix™ data correlation and standards-based reporting
Step 3 — Umpire & Resolution Support
- Impartial review of both appraisers’ positions
- Validation of scope, causation, and pricing using RoofingLogix™ documentation
- Neutral written determination aligned with building science and policy intent
Deliverables: Evidence That Works for Everyone
Every RAC claim file and appraisal report is designed to withstand scrutiny from all sides — the carrier, the contractor, and the policyholder alike.
Each deliverable includes:
- Claim summary and coverage position analysis
- Annotated photographic and testing documentation
- Independent estimate or scope review
- Code, manufacturer, and standards correlation
- Reference matrix for ASTM, NRCA, SMACNA, ASHRAE, FM Global, IIBEC, IICRC
- Recommendations for equitable resolution
Trusted by Policyholders, Contractors, and Carriers Alike
RAC is not a partisan voice — we’re a technical one. Our balanced role has earned the trust of:
Policyholders
seeking factual documentation to substantiate a claim.
Contractors
seeking factual documentation to substantiate a claim.
Carriers and attorneys
needing accurate, unbiased causation evidence.
We don’t argue for sides. We advocate for truth — and that’s what resolves claims.
Call to Clarity
Whether you’re a policyholder fighting for fairness, a contractor defending your scope, or a carrier seeking objective verification,
RAC brings evidence to the table.
Our RoofingLogix™ system turns conflict into clarity — one documented fact at a time.
Because every fair outcome begins with clear evidence.