Storm Damage HubWorking With Insurance Adjusters on Roof Claims
The adjuster inspection is the most important moment in your roof claim. Here's how to make it count.
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An insurance adjuster inspects your property after you file a claim, assesses the damage, and writes an estimate for the cost of repairs. There are three types: staff adjusters (employed by your insurance company), independent adjusters (contracted by your insurer, especially during high-volume storm periods), and public adjusters (hired by you to represent your interests). Understanding who you're dealing with helps you navigate the process more effectively.
Why Your Contractor Should Be Present
Having your roofing contractor present during the adjuster's inspection is one of the most important things you can do. Your contractor can point out areas of damage, answer technical questions about repair methods and materials, and provide their professional opinion on the scope of work needed. Adjusters inspect hundreds of roofs and may spend as little as 15 to 30 minutes on yours. Your contractor has already done a thorough inspection and can share their findings.
Tips for the Adjuster Visit
Be present for the inspection if possible. Provide your contractor's inspection report and photos. Don't sign anything on the spot. Take notes during the visit. Ask the adjuster to show you the damage they find (and don't find). If the adjuster says there's no damage, ask them to document that in writing. Make sure the adjuster checks all slopes of the roof, not just the most visible ones. Ask about their timeline for sending the estimate.
After the Adjuster Leaves
You'll receive the adjuster's estimate within 1 to 2 weeks. Share it with your contractor so they can compare it to their own assessment. If your contractor identifies differences between the adjuster's scope and the work they believe is needed, they can provide documentation to support a supplement request. If the adjuster didn't find enough damage to approve the claim, discuss your options for re-inspection or appeal with your insurance company.
Key Takeaways
Have your roofing contractor present during the adjuster's inspection
Provide your contractor's inspection report and photos to the adjuster
Don't sign anything during the adjuster's visit
Ensure the adjuster checks all roof slopes and all types of damage
Share the adjuster's estimate with your contractor for a line-by-line review
Frequently Asked Questions
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Read GuideBack to Storm Damage HubImportant Disclaimer
Legacy Home Improvements is a licensed roofing contractor, not a public adjuster or insurance advisor. The information on this page is provided for general educational purposes only and should not be construed as insurance advice, claims guidance, or legal counsel. We do not interpret insurance policies, negotiate claim settlements, or advise homeowners on insurance matters. For questions about your specific policy, coverage, or claim, please contact your insurance company or a licensed public adjuster directly. Texas Insurance Code Chapter 4102 governs the practice of public adjusting in Texas.
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