Q. May a public insurance adjuster be involved in the repair of damaged property for which the public adjuster negotiated settlement? A. No. The public insurance adjuster may not participate, either directly or indirectly, in the reconstruction, repair, or restoration of damaged property that is the subject of a claim adjusted by the public insurance adjuster. The law prohibits licensed adjusters from adjusting a loss related to a roofing claim if the adjuster is a roofing contractor, involved in providing roofing services, or is a controlling person in a roof related business. The person who adjust your claim, cannot be the person to participate in the project. It is fraud. This means they cannot be an employee of the company or compensated by the company. Q. How does replacement cost coverage work on policy types such as homeowners, dwelling, and mobile home? A. Replacement cost coverage replaces/repairs your damaged dwelling or personal property with new material and items of like kind and quality. In most cases, you should only be responsible for paying the deductible. Some homeowners and dwelling policies automatically include replacement cost coverage for the dwelling; others may be endorsed for an additional premium; and some may only provide actual cash value. Companies may also offer replacement cost coverage for mobile home policies. You should check with your agent or company to see if your company offers replacement cost coverage on your policy. When you repair your home, some companies may pay the actual cash value first and then pay the withheld depreciation as repairs are completed. Q. The contractor told me I would not have to pay my deductible. I would get my roof with no money out of my pocket. A. Fraud. Texas Department of Insurance has strict principals regarding this action. Fraud occurs when a contractor offers to cover the deductible by offering a sign allowance, deductible assistance, or submits a false claim amount, for the true amount paid for the project. During an audit of claims, if you have participating in fraud, your policy will be canceled along with prosecution from the Texas Department of Insurance. Fraud cost us all. It can cost you everything. If you have a contractor offering to do anything illegal it is your duty as a Texan to report them. Whistleblowers have anonymity.