What Do Insurance Adjusters Look For On Roofs?
As a homeowner, you are probably always concerned about roof damage when an unexpected storm or other weather occurrence hits your home. In this case, the first thing you need to know is that – time is of utmost essence especially if you’re planning to make an insurance claim. It’s crucial for you to snap some photos and jot down any damages that occurred to your roof immediately so that your insurance adjuster can help you get your entitled claim.
In such cases, a major question that arises in the minds of many homeowners is – “What do insurance adjusters look for on roofs?’
Well, the answer is quite complicated as there are many aspects and factors that an insurance adjuster will consider before helping you claim roof damage from your insurance company.
Without further ado, here are a few considerations an insurance adjuster makes when assessing your roof.
The Age of the Roof
The first aspect your insurance adjuster will consider is the age of your roof. This is an important factor because, with some roofing materials, you might face serious difficulties claiming insurance if they are over 20 years old. Most, but not all insurance companies put a limit on your roof insurance claim if the life of your roof has surpassed the 20-year mark.
Was it Installed Properly?
As important as it is to use good materials for your roof, it is equally important to ensure that the installation process goes smoothly. This can only be achieved through the experience of your hired contractor and the construction techniques they use. However, this factor is of utmost importance for your insurance adjuster because if your roof wasn’t installed properly in the first place, it was bound to suffer from weather damage.
Signs of Damage
When inspecting the roof of your home, an insurance adjuster will search for visible signs of internal and external roof damage. They thoroughly conduct this inspection to have an idea about the estimated amount that you will require to repair or replace the areas that have suffered from damage.
Here are a few things an insurance adjuster will look for in a general and storm damage roof inspection.
General Roof Inspection
In a general roof inspection, an insurance adjuster will look for the following:
- Age of the roof
- Missing or broken shingles
- Proper roof installation
- Areas of wear
- Areas of sun damage
- Damage from trees
- Nail pops
- Other problems arising from exposure to the environment
Storm Damage Roof Inspection
The inspection process gets trickier in case of a storm. For example, if a hail storm hits an asphalt roof, your insurance adjuster will run their hands across the shingles to feel the dents.
Here are a few aspects that your insurance adjuster will consider when conducting a storm damage roof inspection.
- Indicators of missing caulk to seal flashing
- Rusting, corroding or flashing
- Buckled, sunken or lifted shingles
- Chimney cracks
- Missing screws skylights and vents
- Rub hands across shingles to feel for dents
By now, you should be very well aware of things that an insurance adjuster will look for on your roof. If your roof suffers from general or storm damage, don’t forget to instantly gather all the evidence you can so that you can receive a good insurance settlement!
If you’re looking for someone to repair or install the roof of your home in Fort Myers, contact us today!