Derek Tomasone

Derek Tomasone is a Florida-licensed property insurance adjuster and an Xactimate Level 2-certified estimator. He reviews MyRoofingPal's roof insurance content to make sure what you read matches how claims are actually adjusted, scoped, and paid in the field — not just how the process looks on paper.

As a licensed adjuster, Derek works in the part of a claim where the money is decided: inspecting roof damage, determining what a policy covers, and building the loss estimate that drives the payout. His Xactimate Level 2 certification reflects fluency in the same line-item estimating software most carriers use to price roofing work, which means he can spot where an estimate is light, where depreciation is being applied, and where a scope leaves out items a homeowner is entitled to.

That perspective is why his review matters here. Roof insurance content is easy to get subtly wrong — a filing deadline that varies by state, the difference between replacement cost value and actual cash value, how recoverable depreciation is released, or what an adjuster is and isn't required to do. Derek checks MyRoofingPal's claims guides against real adjusting practice so the steps we describe hold up when a reader is standing on their own roof after a storm.

Articles Derek has reviewed carry a “Reviewed by Derek Tomasone” byline. His review is an accuracy check on the general process; it is not personalized insurance, legal, or financial advice for your specific claim. Always confirm details with your own insurer and a licensed local contractor.

Connect with Derek on LinkedIn.