That’s a good point about insurance—most policies I’ve seen lately are getting pretty strict on documentation. I’ve run into homeowners who thought their own inspection notes would be enough, but adjusters just aren’t buying it. Curious if anyone’s actually had luck with a claim using only DIY records, or does it always come down to having that pro report?
I’ve seen folks try to use their own photos and notes, but honestly, adjusters almost always want a pro’s report. Had a client last year with a metal roof—he kept great records himself, but the insurance still pushed back until we did an official inspection. It’s frustrating, but that’s just how it goes lately.
Had a client last year with a metal roof—he kept great records himself, but the insurance still pushed back until we did an official inspection.
That’s been my experience too. I’ve seen folks with folders full of photos and receipts, but when it comes down to a claim, the adjuster almost always wants something from a licensed inspector. I had a homeowner with hail damage—he’d documented every little ding, but the insurance company wouldn’t budge until I sent in my report. It does feel like overkill sometimes, but it really can make or break your claim.
That’s interesting—especially this part:
. I get why they want the official report, but it’s kind of frustrating when you’ve already done your homework. My place has a composite shingle roof, and I’ve been snapping photos after every big storm, keeping receipts for minor repairs, all that stuff. But reading these stories, I’m starting to wonder if I should just schedule an annual inspection instead of waiting for something to go wrong.the adjuster almost always wants something from a licensed inspector
Has anyone had luck with insurance accepting routine inspection reports as “proof” of maintenance? Or is it really only when there’s a claim? I’m trying to figure out if it’s worth the extra cost up front, or if it’s just another hoop to jump through when you actually need to file. Curious how folks balance the cost of regular inspections versus the risk of getting denied.
I’ve wondered the same thing. I had a minor leak last year and thought my stack of photos and receipts would be enough, but the adjuster still wanted a pro’s report. Felt like overkill, honestly. I’m debating if it’s worth paying for an annual checkup too, but those inspections aren’t cheap where I live. Maybe it’s just peace of mind?
