The short version
- Prepare your photos and notes
- Ask to be present during the inspection
- Consider having a roofer attend
- Get the estimate in writing
What an adjuster does
An adjuster inspects the damage on behalf of the insurer and writes an estimate of what is covered under the policy. Adjusters are professionals with many claims to handle.
Their time on your roof may be short.
Preparing
Have your photos, a list of damage and your policy handy. Mark areas of concern. Make notes of questions beforehand, such as how the estimate is built and how matching is handled.
A roofer’s documentation can help.
During the visit
Walk with the adjuster, point out documented damage and ask questions politely. If a roofer attends, they can explain the repair methods needed. Take notes.
Do not be rushed.
After the visit
Ask for the estimate and the explanation in writing. If you disagree, you can provide additional evidence, ask for a re-inspection or seek advice from a qualified professional.
Keep copies of everything.
General information, not engineering, legal, insurance or safety advice. Roofs, policies and local requirements vary, and every situation should be judged on its own facts. If anyone is in danger, call emergency services first.
