It’s nuts how much it varies from one insurer to the next. I’m in Texas and had a similar experience—one adjuster wanted every scrap of paperwork, even the delivery receipts for the shingles. Another just glanced at my roof from the driveway and said “looks good.” Makes me wonder if it’s all about who you get on the phone that day or what. Do you think it’s just a regional thing, or are they just making up rules as they go? Either way, yeah, I’ll take the hassle if it means no headache after a storm.
Honestly, I don’t buy that it’s just a regional thing. I’ve seen adjusters in the same zip code handle claims totally differently—one guy’s measuring hail dents with a microscope, the next is eyeballing it from his truck like he’s got X-ray vision. I think half of it comes down to how much coffee they’ve had that morning. The “rules” seem more like guidelines some days. Still, I’d rather jump through a few hoops now than get stuck fighting over coverage after a storm.
The “rules” seem more like guidelines some days.
That’s been my experience too. I’ve had two adjusters look at the same roof—one flagged every tiny ding, the other shrugged off half the damage. Sometimes I wonder if it’s just luck of the draw, or maybe how much paperwork they want to do that day. Either way, I’d rather deal with a picky inspector up front than argue over coverage after a hailstorm. Had a neighbor who skipped the inspection and ended up in a months-long battle with their insurer... not worth the headache.
- Honestly, I’ve seen “picky” inspectors cause more headaches than they solve.
- If they flag every minor thing, you might end up replacing a roof that’s got years left—just to keep your coverage or get a discount.
- Sometimes, insurers use those detailed reports to justify higher premiums or exclusions down the line.
- I’d rather have a fair, middle-of-the-road inspection and keep solid documentation for claims.
- Overkill on the inspection can backfire... had a client who replaced perfectly good flashing just because it was “not up to current code,” even though it wasn’t leaking.
Ever notice how some inspectors act like they’re auditioning for CSI: Rooftop? I get wanting to be thorough, but if you’re calling out every tiny scratch or “slightly faded shingle,” it gets a bit much. I’ve seen folks swap out perfectly fine stuff just because it’s not the latest code—meanwhile, the roof’s still bone dry. Isn’t the whole point to make sure water stays outside, not to rack up a renovation bill? Sometimes I wonder if we’re inspecting roofs or running a home improvement reality show...