Funny how neighbors always seem to remember the wildest details—mine swears our last roof job was right after the “great raccoon invasion” of ’03. I’m with you on keeping every scrap now, but honestly, half the time I wonder if insurance even cares about the paperwork or just wants to make us jump through hoops. Has anyone actually had a claim denied over missing docs, or do they just use it as a scare tactic?
honestly, half the time I wonder if insurance even cares about the paperwork or just wants to make us jump through hoops.
I’ve seen both sides of this. Had a client last year who lost her original invoice—insurance dragged it out for weeks, but in the end, they paid up after we sent photos and a permit copy. But I’ve also watched a neighbor get denied for not having “proper proof” of shingle type... wild. Do you think the paperwork game is worse in some states than others? I hear Florida’s brutal.
Honestly, I think it’s less about the state and more about which adjuster you get. I’ve had smooth claims in Texas but a nightmare in Georgia over the tiniest missing receipt. Florida does seem to be its own animal, though... paperwork for days.
I get what you’re saying about the adjuster making or breaking the process, but honestly, I’ve noticed state rules can really throw a wrench in things too. Like, in Florida, there’s this whole extra layer of documentation you have to provide—photos from every angle, proof of every repair, sometimes even permits from way back. In Texas, it felt more straightforward, just a couple forms and done. Maybe it’s a mix? Adjuster attitude matters, but the state regs set the stage for how picky they can get. I’ve started keeping a folder with every receipt and inspection just in case... learned that one the hard way.
Keeping that folder is honestly a lifesaver, especially in places like Florida where they want proof for everything under the sun. It’s wild how much it changes state to state. I’ve seen folks get tripped up by missing a single receipt... you’re definitely on the right track keeping organized.