Working with Adjusters Playbook

Before the adjuster arrives, organize all documentation, have your roofer's estimate ready, and make a list of all damage you've observed. Ensure safe access to all areas.

Always be present when the adjuster inspects your property. Walk with them, point out all damage, and ensure they see everything. Don't let them inspect alone.

If possible, have your roofer present during the adjuster inspection. They can provide professional insight, point out hidden damage, and help ensure a thorough assessment.

Give the adjuster copies of all photos, videos, inspection reports, and estimates. Provide receipts for temporary repairs. The more documentation, the stronger your claim.

Don't assume the adjuster will see everything. Actively point out all damage areas, including interior water damage, damaged gutters, and any structural concerns.

Ask about what's covered, what's not, depreciation, and coverage limits. Understanding the process helps you advocate effectively for fair coverage.

Take notes during the inspection. Document what the adjuster says, what they inspect, and any concerns they raise. This information is valuable if you need to appeal.

Request a copy of the adjuster's inspection report. Review it carefully and compare it with your roofer's assessment. Identify any discrepancies or missing items.

Don't feel pressured to accept the adjuster's assessment on the spot. Review the report and settlement offer carefully before accepting.

If the adjuster's report is incomplete or the settlement seems low, follow up in writing. Provide additional documentation and request a re-inspection if necessary.