Top 3 Things Insurance Adjusters Look For On Roofs

What Do Insurance Adjusters Look For On Roofs?

Insurance adjusters examine roofs for three main categories of damage:

1. Storm Damage – Hail impacts, wind damage, missing or lifted shingles, and debris damage from severe weather events

2. Structural Issues – Sagging areas, compromised decking, damaged flashing around vents and chimneys, and gutter damage

3. Age-Related Wear – Granule loss, cracked or curled shingles, and deteriorated seals that indicate normal aging versus covered damage

Adjusters document these findings with photos and measurements to determine if damage is covered under the policy and estimate repair costs.

What not to say to a roof insurance adjuster?

Don’t admit fault, exaggerate damage, or say “I think it’s old age.” Stick to facts about when damage occurred.

What does an insurance adjuster do for a roof?

Inspects damage, documents findings with photos, determines coverage, and estimates repair costs for the claim.

Why would a roof claim be denied?

Pre-existing damage, normal wear and tear, lack of maintenance, or damage not covered by your policy (like flooding).

How to get approval of a roof claim?

Document damage immediately, file promptly, provide clear photos, get a professional inspection, and follow up consistently with your insurer.

How Does Roof Damage Insurance Claims Work?

Major home insurance policies cover roof damage. Your home insurance should cover roof repair costs if damaged by debris or in a storm. However, the insurance policy will only cover the expenses of repairing the roof to its pre-loss condition.

What most homeowners and business owners in New Brighton fail to realize is that making a roof insurance claim is not as easy as it seems. Most policies have limitations according to the age of your roof. To help you understand, your policy might cover the cost of repairing the roof to its original condition if it is less than ten years old.

On the other hand, the insurance company will factor in your roof’s depreciation value if it is more than ten years old. Read on to discover how you can make a roof damage insurance claim.

• Check your roof to access the damage after a hailstorm or windstorms hit New Brighton.
• Proceed to stop additional damage and secure the area.

• Get in touch with a representative of the insurance company to file a claim.
• The insurance company will send an adjuster to assess the damage and look at your policy.

Roof Safety Tips

Before we look at the things insurance adjusters look for on roofs, it would be best to discuss roof safety. After all, you might end up injured or damaging your roof if you fail to follow the required safety procedures.

OSHA says that fall injuries are one of the leading causes of work-related injuries. A further study conducted by the US National Library of Medicine also proves that male adults above 55 years old are more likely to fall from ladders.

This means that trying to fix a roof while on a ladder can be dangerous. Hiring an experienced roofing company is the best way of keeping you and your loved ones safe. Professionals roofing experts have the skills and tools to protect both the roof and your loved ones.

What Will the Insurance Adjuster Look for On the Roof?

Before the insurance company processes your roof damage claim, the adjuster will assess the damage and your insurance claim to determine what your policy covers and what it does not cover. This means that the fate of your roof damage insurance claim will be in the hands of the insurance adjuster.

Understanding what they will look for on the roof is the first thing you should do to get the compensation you deserve. Read on to discover what will be checked for on your roof:

• The Age of Your Roof – The insurance adjuster will check the age of your roof before making the ultimate decision. The age of your roof will determine the amount of compensation you should receive. Always read the insurance terms and conditions before you append your signature to be on the safe side.
• After checking your roof’s age, the insurance adjuster will go ahead and determine if it was installed correctly. Proper roof installation involves routine inspections, compliance with building codes and manufacturer recommendations.
• Visible Signs of Damage. The insurance adjuster will also take the time to evaluate your home for visible signs of damage in and around the building. Insurance adjusters also look for missing shingles, sun damage, and damages nearby trees.

Insurance adjusters will also look for nail pops, cracks, tears, and loosened flashing near vents, chimneys and skylights. The adjuster will also check the eave overhangs and fascia board. You should be careful during the whole process since the adjuster can use all these against you.

Working with an experienced roofing contractor is the right things and the right approach because you will get fair compensation. When it comes to residential and commercial roofing, Sellers Roofing Company has got you covered. Call us today for top-notch roof inspections and services in Minneapolis.