Working with Insurance Adjusters

Insurance adjusters work for the insurance company to assess damage and determine claim payouts. They are trained to identify damage but may miss hidden issues. Be prepared to advocate for yourself.

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

Always be present when the adjuster inspects your property. Walk with them, point out all damage, and ensure they see everything. Have your roofer present if possible to provide professional insight.

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

Don't hesitate to ask questions about what's covered, what's not, and why. Ask about depreciation, deductibles, and coverage limits. Understanding the process helps you advocate effectively.

Review the adjuster's report and settlement offer carefully. Compare it with your roofer's estimate. If there are discrepancies or missing items, address them before accepting the offer.

You have the right to dispute the adjuster's assessment, get a second opinion, and appeal the settlement. If you feel the offer is unfair, you can request a re-inspection or file an appeal.