Insurance Adjuster Roof Inspection

What Is Insurance Adjuster Roof Inspection?

After a claim is filed, the carrier assigns an adjuster — a staff adjuster or an independent one working under the carrier's guidelines — to inspect the roof and write the scope the payment will be based on. The adjuster applies the carrier's damage criteria: test squares for hail hit counts, creased or missing shingles for wind, collateral damage on soft metals, and distinguishing functional storm damage from wear, blistering, and mechanical damage. The output is typically an Xactimate estimate with actual-cash-value and replacement-cost columns. Homeowners may have their roofing contractor present at the adjuster meeting; a contractor who has already documented the roof can point out damage a fast inspection misses, and the meeting is where scope disagreements are cheapest to resolve. If the parties still disagree afterward, the routes are a supplement with additional documentation, a re-inspection, or the appraisal clause most policies contain for disputes over the amount of loss.

Important Distinction

Note: The carrier's adjuster works for the insurance company; a roofing contractor documents the roof's condition but does not negotiate the claim on the homeowner's behalf — that role belongs to the policyholder or a licensed public adjuster.

Also Known As

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