That’s a good point about the shingle rating. I ran into something similar—my insurer wanted proof that my metal roof was actually steel and not aluminum, since apparently it makes a difference for fire risk. Keeping those receipts and spec sheets saved me a headache later.
Had a similar situation after a hailstorm last year. My adjuster actually questioned whether my metal roof was the thicker gauge, since apparently that holds up better against impact. I dug through a whole stack of paperwork to find the original invoice—turns out it saved me almost $400 on my renewal. It’s wild how much those little details matter. Keeping records feels like a pain at first, but it really pays off when the insurance folks start nitpicking.
- Gotta admit, I’m the opposite—my “filing system” is basically a shoebox and a prayer.
- Insurance adjusters seem to have a sixth sense for finding the one missing doc, though.
- Had a claim last spring, and even with receipts, they still sent someone up to measure the panels.
- Sometimes I wonder if paperwork really saves time or just gives ‘em more stuff to question...
- If only they gave discounts for roofs that survived my tenants’ trampoline “incident.”
Paperwork’s a double-edged sword, honestly. I’ve seen folks with every receipt and inspection report still get grilled over the tiniest thing, while others with barely a photo skate by. From what I’ve noticed, adjusters are always looking for anything that doesn’t add up—missing shingle here, dented flashing there. If you want to save time (and maybe your sanity), I’d suggest snapping photos after any repairs or storms. Doesn’t hurt to have a quick checklist: date of repair, who did it, what was fixed. Not foolproof, but it’s saved me headaches when questions come up later.
And yeah, trampoline incidents... those should come with their own deductible.
If you want to save time (and maybe your sanity), I’d suggest snapping photos after any repairs or storms.
That’s solid advice. I’ve had insurance come back months later with questions, and having a photo log with dates really sped things up. Documentation can feel tedious, but it’s paid off more than once for me. And yeah, trampoline claims—those are always a headache.
