A signed Certificate of Completion and photos of a finished roof can be a poor match for an insurance claim that also includes siding and gutters. In a reported dispute involving Evolve Construction, that mismatch was central: one account said the roof was complete but other work remained unfinished, while Bulldog Adjusters said it forwarded a homeowner-signed certificate and roof-completion photos supplied for the claim.
A signed certificate, roof photos, and unfinished trades
The dispute concerned a claim described as covering multiple trades. The homeowner’s account was that the roof had been replaced, but siding and gutters had not been completed. Bulldog Adjusters said its file contained a Certificate of Completion signed by the homeowner and photos showing the completed roof.
Bulldog Adjusters also said it does not create contractor invoices or Certificates of Completion. It said it forwards contractor-supplied documentation requested by the insurer, and that documentation requirements can vary by insurer. In the conversation, Bulldog said some insurers may request photos, a Certificate of Completion, and a fully paid invoice when releasing recoverable depreciation.
These are competing accounts from one reported dispute, not evidence that Evolve uses the same process on every project or that every Certificate of Completion has the same wording. But the facts described show the practical problem: roof-only photos establish that a roof was photographed as complete; they do not show that siding, gutters, or other work outside those photos has been completed.
Read the form for what it actually certifies
Before signing a Certificate of Completion roof claim form, read whether it describes only roofing work or the whole insurance scope. A form that broadly certifies completion may be inaccurate if listed siding, gutters, or other repairs are still pending.
- Compare the certificate with the insurance estimate and identify every trade in the approved scope.
- Check whether the form names roofing specifically or refers broadly to the claim, repairs, or all work.
- If only the roof is complete, ask for wording that accurately limits the confirmation to the roof and identifies remaining work as unfinished.
- Keep a copy of the exact version signed, along with the photos and documents sent in support of payment.
The issue is accuracy, not a label. A document called a Certificate of Completion may carry a much broader meaning than a routine sign-off for one completed trade.
Send a dated status update when work remains open
If the roof is done but siding or gutters are not, send a dated written status update to the parties handling the claim. Use plain language: identify the completed roof work, list the unfinished trades, state whether you signed a certificate, and explain that the project is not complete if that is the current status.
A factual update can also ask for copies of the Certificate of Completion, photos, invoices, and other documentation submitted for payment. This does not require accusing anyone of wrongdoing. It simply gives the project record a clear statement of what has and has not been completed.
Payment questions raised by the reported dispute
In the reported matter, Bulldog Adjusters said it sent one payment directly to the homeowner after the homeowner requested that it not be sent to Evolve. Bulldog characterized the remaining disagreement as one between the homeowner and Evolve. The homeowner’s account, however, was that funds associated with unfinished work remained at issue.
Payment handling and recoverable depreciation requirements depend on the policy, insurer, and claim file. Before signing a document that appears to certify the full scope, determine which estimate line items the payment request concerns and whether unfinished work is included. Confirm payment status and documentation requirements directly with the insurer.
For contract, payment, lien, or insurance-misconduct questions, confirm available options with a qualified attorney, state insurance department, or other licensed professional appropriate to the issue.
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Source: Evolve & The CoC Problem. Fake Completion Form Bulldog Adjusters use to get paid
FAQ
Do roof-completion photos prove a full insurance claim is complete?
No. Photos of a completed roof can document the roof shown in those photos, but they do not show that separate work such as siding or gutters is complete. On a multi-trade claim, compare the photos and Certificate of Completion with the full approved scope.
What if I signed a Certificate of Completion but siding and gutters are unfinished?
Send a dated written status update identifying the completed roof work and the unfinished siding or gutters. Request copies of the certificate, photos, invoices, and other documents submitted for payment, and confirm the payment status with the insurer.
What did Bulldog Adjusters say about the Evolve-related dispute?
Bulldog Adjusters said it forwarded a homeowner-signed Certificate of Completion and roof-completion photos supplied to it, rather than creating the certificate or contractor invoice. It also said documentation requests differ by insurer and that it sent one payment directly to the homeowner after the homeowner requested it.
