I'm a general contractor in Indiana. I used to always do jobs for insurance pricing. However, with materials skyrocketing and labor going up, I've had to be really careful about my pricing as insurance companies do not seem to be too concerned with keeping up with fair market prices. They have been arguing my pricing (mostly on roofing) every step of the way. I believe my pricing is reasonable. I offer to help my customers by dealing with the insurance companies for them, but as I understand it, I am not supposed to negotiate settlement prices on behalf of homeowners because I am not a licensed public adjuster. I've had adjusters try to negotiate settlement with me, but my price is my price. Isn't it? Are they exempt from indemnifying an insured just because they claim my price for an agreed scope is not agreeable to them? What am I doing wrong? Thanks!