Yeah, I’ve run into similar stuff. Insurance companies really do look for any reason to deny a claim, even if it seems minor. I had a few shingles replaced last year and made sure the roofer documented everything, just in case. It’s wild how picky they get about things like nails—definitely worth fixing even small issues before they become a bigger headache.
It’s wild how much insurance companies care about the tiniest things, right? I’ve seen adjusters get hung up on stuff like a couple of exposed nail heads or a shingle that’s just a little off. They’ll use any excuse to push back on a claim, especially after a big storm when they’re slammed with calls. Documenting everything is smart—photos, receipts, even before-and-after shots if you can swing it. That paper trail can really save you if there’s ever a dispute.
I get what you mean about fixing small issues early. You’d be surprised how many folks wait until there’s a leak or visible damage before calling someone out, but by then it’s usually a bigger (and pricier) fix. Even things like missing granules or a nail that’s popped up can turn into water getting under the shingles... and then it’s mold or rot city. Not fun.
Insurance companies definitely have their checklist, but sometimes I think they go a little overboard. I had one client who got dinged for moss on the north side of their roof—like, not even thick moss, just a little green fuzz. They made her clean it off before they’d renew her policy. It’s kind of a pain, but I guess from their side, they’re trying to avoid paying out for something preventable.
Honestly, keeping up with those little fixes can actually save money in the long run, not just with insurance but with the roof itself. And sometimes you get lucky and your premium goes down after an inspection, which is a nice surprise for once.
Anyway, you’re doing it right by staying on top of things and making sure everything’s documented. It might feel like overkill at times, but it pays off when you need it.
Not sure I totally buy that every tiny thing should be a big deal, though. Like, yeah, exposed nails can be a problem, but sometimes adjusters seem to nitpick stuff that doesn’t actually affect the roof’s function. I’ve seen them flag a single shingle that’s slightly crooked—does that really matter if it’s still watertight? I get why insurance wants to avoid risk, but sometimes it feels more like they’re just looking for reasons to not pay out. Maybe there’s a balance between being proactive and just getting stuck in endless minor repairs.
I get where you’re coming from, but I’ve seen a little thing turn into a big headache way too often. Had a “barely crooked” shingle on my old place—figured it was fine, then after a nasty windstorm, that’s exactly where water started seeping in. Insurance adjusters can be picky, sure, but sometimes those nitpicks save you from bigger repairs down the road. It’s annoying in the moment, but I’d rather fix something small than deal with mold or rot later.
Insurance adjusters can be picky, sure, but sometimes those nitpicks save you from bigger repairs down the road.
That hits home. I used to roll my eyes at the adjuster’s “suggestions” until I found a tiny crack in a flashing joint—barely visible, but after a heavy rain, water snuck right in and soaked the insulation. Ended up tearing out drywall to fix it. Now I’m borderline obsessive about checking for little things after storms. It’s wild how fast a small issue can snowball, especially with older asphalt shingles like mine.
