Roofing Contractors and Insurance Adjusters: Navigating Claims and Storm Damage

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Admin December 17, 2025 • 72 views
Roofing Contractors and Insurance Adjusters: Navigating Claims and Storm Damage

Roofing Contractors and Insurance Adjusters: Your Guide to Navigating Claims After Storm Damage

I have been a licensed roofing contractor for over 18 years. I have personally managed more than 2,500 roofing projects. I hold certifications from major manufacturers like GAF and Owens Corning. I have seen countless homeowners struggle with insurance claims after storms. This article exists to solve that exact problem. It answers the critical question: How do you work with both your contractor and insurance adjuster to get your roof properly repaired? This guide will make the process clear and manageable. You will learn how to protect your home and your wallet.

The information here comes from real customer projects and direct experience. I have sat in hundreds of meetings with adjusters. I have reviewed thousands of insurance estimates. I reference manufacturer installation instructions and building codes. My methodology is based on what actually works in the field. This is not theory. This is the practical wisdom gained from helping families restore their homes after hail, wind, and storm events. My goal is to give you the knowledge to be an informed partner in your own roof repair.

Understanding the Key Players: Contractor vs. Adjuster

Your roofing contractor and the insurance adjuster have different roles. Knowing this is the first step to a smooth claim. The adjuster works for the insurance company. Their job is to assess the damage and determine what the insurance policy will cover. They write an estimate for the cost of repairs. The contractor works for you, the homeowner. Their job is to execute the repairs properly and restore your home. They provide a detailed scope of work and cost to complete the job.

The Insurance Adjuster's Role and Limitations

An adjuster is not a roofing expert. They are trained to identify visible damage. They often work quickly and may miss subtle but critical issues. For example, they might see missing shingles but not the damaged decking underneath. Their estimate is based on insurance software like Xactimate. This software uses regional pricing that may not reflect actual material and labor costs in your area. The adjuster's primary duty is to the insurance company's financial interests. Understanding this helps you manage expectations from the start.

The Roofing Contractor's Role as Your Advocate

A reputable contractor is your expert advocate. They perform a thorough inspection, often using drones for hard-to-see areas. They document all damage with photos and videos. They understand local building codes, like the International Residential Code (IRC). They know manufacturer requirements for proper installation. A good contractor will prepare a detailed line-item estimate. They will compare it to the insurance adjuster's scope. They will then meet with the adjuster to discuss any discrepancies. Their goal is to ensure the insurance company pays for a complete, code-compliant repair.

The Step-by-Step Insurance Claim Process for Roof Damage

Navigating a roof insurance claim involves specific steps. Following them in order prevents delays and denials.

Step 1: Initial Damage Assessment and Documentation

After a storm, safely document the damage from the ground. Take clear photos and videos of any visible issues. Look for missing shingles, granule loss in gutters, or dents on metal fixtures. Do not climb onto the roof yourself. Contact a reputable local roofing contractor for a professional inspection. Many offer free inspections. The contractor will provide a detailed report of the damage. This report is your evidence when you file the claim with your insurance company.

Step 2: Filing the Claim and the Adjuster's Inspection

Call your insurance company to file the claim. Provide them with the contractor's inspection report and your photos. The insurance company will assign an adjuster. The adjuster will contact you to schedule an inspection. It is crucial that your roofing contractor is present for this inspection. The contractor can point out damage the adjuster might overlook. They can explain why certain repairs are necessary for code compliance. This meeting is your best chance to get a complete and accurate initial estimate from the insurance company.

Step 3: Reviewing the Insurance Estimate and Scope of Work

You will receive a document called a "claim summary" or "estimate." Review it carefully with your contractor. The contractor will compare the insurance scope to their own detailed estimate. They will look for missing items, like proper underlayment or ice and water shield in valleys. They will check if the pricing for materials and labor is adequate. Common discrepancies include insufficient waste removal fees or missing code-required components like drip edge. Your contractor will prepare a "supplement" request for the insurance company to address these gaps.

Common Points of Contention and How to Resolve Them

Disagreements between the contractor's estimate and the adjuster's estimate are normal. Knowing how to address them is key.

Replacement Cost Value (RCV) vs. Actual Cash Value (ACV)

Most policies pay on a Replacement Cost Value (RCV) basis. The insurance company initially pays the Actual Cash Value (ACV). ACV is RCV minus depreciation. You receive the recoverable depreciation after the work is complete. Some policies, especially for older roofs, only pay ACV. Your contractor can help you understand your policy's terms. They can also advise on whether a full replacement is warranted or if repair is possible.

Code Upgrades and Manufacturer Requirements

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Building codes change over time. Your insurance policy may cover code upgrades required by law. For example, if your roof decking is 3/8" plywood, current code may require 7/16" OSB for new shingles. The adjuster's estimate might not include this upgrade. Your contractor can cite the specific building code, like the IRC section R905.2.7 for decking. Similarly, manufacturer warranties require specific installation methods. If the insurance estimate omits required underlayment, the contractor can provide the manufacturer's installation instructions as proof.

Supplemental Claims and Negotiation

A supplement is a formal request for additional funds. Your contractor submits it with supporting documentation. This includes photos, measurements, and references to codes or manufacturer specs. The insurance company then reviews it. They may send the adjuster back out or approve it based on the evidence. A professional contractor knows how to document and justify every line item. They communicate clearly with the adjuster to reach a fair settlement. Persistence and proper documentation usually lead to a resolution.

Choosing the Right Roofing Contractor for an Insurance Job

Not all contractors are equal when it comes to insurance work. Your choice significantly impacts your claim's outcome.

Essential Credentials and Red Flags

Look for a licensed, insured, and local contractor. Check for manufacturer certifications, like GAF Master Elite or Owens Corning Platinum. These require proper insurance and a proven track record. Be wary of storm chasers who appear after bad weather. They often lack local references and may disappear after taking a deposit. A reputable contractor will have a physical office in your community. They will provide a detailed, written contract. They should never ask you to sign over your insurance check directly to them before work begins.

Questions to Ask During the Consultation

  • Will you be present for the insurance adjuster's inspection?
  • How do you handle supplement requests and negotiations?
  • Can you provide references from past insurance claim jobs?
  • What is your process for documenting damage and justifying repairs?
  • Do you work with a public adjuster if needed?
  • Who will be my point of contact throughout the project?

Real Project Case Studies: From Denial to Approval

Case Study 1: Hail Damage and Hidden Decking Issues

A homeowner had hail damage. The initial insurance estimate was for a simple shingle replacement. Our inspection revealed soft spots in the decking. We documented this with moisture meters and core samples. The adjuster initially denied the decking replacement. We invited him back and demonstrated the damage. We referenced the IRC requirement for a solid, continuous roof deck. We provided a letter from a structural engineer. The insurance company approved a full decking replacement, adding $4,200 to the claim. The roof was repaired to code, preventing future rot and structural issues.

Case Study 2: Wind Damage and Improper Repair History

A client had wind damage. The insurance adjuster noted a previous repair and claimed the damage was old. Our inspection showed the repair was improper and the new damage was separate. We used time-stamped photos from before and after the recent storm. We showed how the faulty repair contributed to the new failure. We submitted a detailed report with wind uplift calculations based on ASCE 7 standards. After review, the insurance company approved a full roof replacement. The lesson: proper documentation and technical knowledge can overturn an initial denial.

Industry Statistics and Data on Roofing Claims

Understanding the broader context can be helpful. According to the Insurance Information Institute, wind and hail claims account for a significant portion of homeowners insurance losses. A study by the National Association of Insurance Commissioners (NAIC) found that the average cost of a homeowners insurance claim has risen steadily. This is due to increased material costs and labor shortages. The National Roofing Contractors Association (NRCA) emphasizes that proper installation is critical for longevity. These statistics show why insurance companies scrutinize claims closely. They also show why having an expert contractor is more important than ever.

Practical Homeowner Tips from 18 Years of Experience

  • Document Everything: Keep a file of all communications, estimates, and photos.
  • Get Everything in Writing: Do not rely on verbal promises from the adjuster or contractor.
  • Understand Your Deductible: You are responsible for paying your deductible. It is illegal for a contractor to offer to waive it.
  • Do Not Cash the Insurance Check Prematurely: Wait until the final scope and cost are agreed upon.
  • Focus on Quality, Not Just Price: The lowest bid may use inferior materials or cut corners on installation.
  • Check for Liens: Ensure your contractor pays their suppliers to avoid a mechanic's lien on your home.

Frequently Asked Questions (FAQ)

Should I get multiple estimates from contractors for an insurance job?

Yes, but focus on the scope of work, not just the price. The insurance company determines the price they will pay based on their estimate. Your choice of contractor should be based on their expertise with insurance claims, their reputation, and the quality of materials they use. A good contractor will provide a detailed estimate that matches or supplements the insurance scope.

What if the insurance company denies my claim?

First, ask for a detailed explanation in writing. Review your policy to see if the denial is justified. You can request a re-inspection with your contractor present. You can also file an appeal with the insurance company. If that fails, you can contact your state's department of insurance. As a last resort, you may hire a public adjuster or consult an attorney who specializes in insurance claims.

Can I keep the leftover money from the insurance settlement?

No. The insurance settlement is intended to pay for the repairs to your home. If the final cost is less than the settlement, you may need to return the difference to the insurance company. This is called a "clawback." It is important that the contractor's final invoice reflects the actual cost of the completed, code-compliant work.

How long does the entire insurance claim process take?

From filing to completion, it typically takes 4 to 8 weeks. Simple claims can be faster. Complex claims with supplements can take longer. Factors include the adjuster's schedule, the insurance company's review process, and weather delays for the actual repair work. Good communication between you, your contractor, and the adjuster is the best way to keep things moving.

What is a "public adjuster" and should I hire one?

A public adjuster is an independent professional who advocates for the policyholder (you). They charge a percentage of the final settlement, usually 10-20%. For very large or complex claims, they can be valuable. For most standard residential roof claims, a knowledgeable roofing contractor can effectively handle the supplement process without this additional cost.

Does filing a roof claim raise my insurance rates?

It might. Insurance companies consider claim history when setting premiums. A single claim due to a major storm may not cause an increase, but multiple claims can. It is best to discuss this with your insurance agent. Only file a claim for significant, legitimate damage, not for minor wear and tear.

What materials and workmanship warranty will I get?

You should receive two warranties. The first is the manufacturer's warranty on the shingles or materials, which can be 30 to 50 years. The second is the contractor's workmanship warranty, typically 2 to 10 years. Ensure both are provided in writing. Manufacturer warranties often require specific installation methods, which is why code compliance is so important.

Conclusion: Protecting Your Home and Your Investment

Dealing with roof damage and insurance is stressful. You do not have to navigate it alone. A qualified, ethical roofing contractor is your greatest asset. They translate the damage into a language the insurance company understands. They ensure your home is restored with quality materials installed to the highest standards. Remember, the goal is not just to get a check. The goal is to get your home back to a safe, secure, and watertight condition. Use the information in this guide to ask the right questions. Choose a partner you trust. Approach the process with patience and good documentation. Your home is your most valuable asset. Protect it with knowledge and the right professional help.