What happens at a roof insurance adjuster inspection?
Last updated · Storm damage & insurance
Short answer: An adjuster inspects the property, photographs damage, measures the roof, and prepares an estimate. Be present if you can, share your documentation, and keep notes. Their estimate is not automatically the final word on supplements.
Tips
- Have claim number, photos, and contractor findings ready.
- Point out soft metals (gutters, vents) that corroborate hail.
- Ask how matching, code upgrades, and overhead/profit are treated.
- Do not sign a broad release you do not understand.
This is general consumer information, not legal or insurance advice. Coverage, deadlines, and rates depend on your policy, your insurer, and your state's laws. Check your policy and contact your state's Department of Insurance if you have questions.
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- A local contractor calls you. They confirm your address and a time that works.
- They inspect your roof. Free, in person, no obligation.
- You get a written price. You decide. No pressure.
Frequently asked questions
Staff adjuster vs independent adjuster?
Both represent the insurer's process. Independents are contractors to the carrier, not your advocate.
Should my contractor attend?
Often helpful for scope discussion. They should not pose as a public adjuster where prohibited.
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Sources
- FTC, How to Avoid Scams After Weather Emergencies and Natural Disasters. consumer.ftc.gov/articles/how-avoid-scams-after-weather-emergencies-and-natural-
- IBHS, 2025 Impact-Resistant Shingle Ratings release (Nov 19, 2025). ibhs.org/ibhs-news-releases/ibhs-releases-its-most-expansive-impact-resistant-sh
Sources checked November 4, 2026. Estimates are not quotes. Roofing, insurance, and legal details vary. Confirm with your contractor, insurer, or attorney.