Quick Answer
During a roof inspection, an insurance adjuster looks for storm damage consistent with a specific date of loss, such as hail hits, wind-lifted or missing shingles, and damage to vents, flashing, gutters, and other exterior items. They often mark test squares on each slope to count hail hits. Being prepared with photos and having your roofer present helps make sure all damage is seen and documented.
What Adjusters Check
An adjuster's job is to determine whether damage was caused by a covered event and what it will cost to repair.
- Hail hits on shingles or metal panels
- Test squares on each roof slope
- Wind damage: lifted, creased, or missing shingles
- Damage to vents, pipe boots, flashing, and ridge caps
- Gutters, downspouts, siding, windows, and screens
- Interior water damage from roof leaks
- Signs of age or wear versus storm damage
Storm Damage vs. Wear and Tear
Adjusters look closely at whether damage was caused by the storm or by age. Granule loss from aging and blistering from heat can be mistaken for hail, and vice versa.
A roofer familiar with San Antonio storms can help point out storm damage that might be overlooked.
How to Prepare
Gather photos of damage, the date of the storm, and any receipts for emergency repairs. Make a list of interior and exterior damage.
Ask your roofer to be present during the adjuster inspection. Roofers can point out damage and discuss repair details, while you or a licensed public adjuster handle the claim itself with your insurer.
What Happens After Approval
If your claim is approved, your insurer will issue a payment based on the estimate. Many policies pay in stages: an initial payment, then recoverable depreciation after the work is complete.
Your roofer can provide the final invoice and documentation your insurer requires to release the remaining funds. Keep copies of everything for your records.
After the Inspection
You will receive a written estimate or decision from your insurer. Review it carefully, and compare it with your roofer's assessment.
If items were missed, your roofer can help document them so you can ask your insurer to review the claim.
Frequently Asked Questions
Should my roofer be at the adjuster inspection?
It helps. Your roofer can point out damage and explain repair needs, so the adjuster sees everything.
What is a test square?
A marked area, often 10 by 10 feet, where an adjuster counts hail hits to assess damage on a roof slope.
Can I disagree with the adjuster?
Yes. You can ask your insurer to review the claim, provide additional documentation, or use the dispute options in your policy.
Contact Sanchez Metal Roofing
Phone: (210) 708-3308. Email: sanchezmetalroofing123@gmail.com. Address: 520 Fredericksburg Rd, San Antonio, TX 78201. Hours: Monday through Saturday 8:00 AM to 5:00 PM. Free roof inspections across San Antonio. Call (210) 708-3308.