That sounds about right—my last claim, the adjuster wanted proof of the *exact* shingle color, even though the roof was only four years old. Ended up calling the installer to see if they kept records. I’ve noticed some insurers now ask for aerial photos or drone shots, which feels a bit overkill. Has anyone actually had luck with just inspection reports, or do they always want original docs?
- Had a similar runaround last year—my insurer wanted “proof of install date” and “manufacturer’s warranty doc.” Like, who keeps that stuff handy after a few years?
- Inspection reports worked for me once, but only because the inspector included a ton of photos and noted the shingle brand. If it’s just a checklist, they usually push back.
- Drone shots… yeah, feels like overkill unless you’re hiding a rooftop garden up there.
- I’ve had luck with the installer’s invoice, but sometimes they want the actual shingle packaging (which, let’s be real, nobody keeps).
- If you’re ever re-roofing, snap a bunch of pics during install—future-you will thank you.
- Noticed some companies are stricter if you’re in a hail-prone area. My neighbor in Texas had to send in satellite images.
- Honestly, wish they’d just accept a solid inspection report, but seems like it’s a toss-up depending on the adjuster’s mood that day…
Hang in there. At least you didn’t have to climb up there yourself with a selfie stick, right?
The hoops they make us jump through are wild. I had to dig through a decade-old file cabinet to find my original contract, and even then, the adjuster wanted “more recent evidence.” Ended up sending a photo of the permit sticker still stuck in my attic—guess that did the trick. I agree, the drone thing feels like a bit much unless you’re running a solar farm up there. If I ever re-roof, I’m taking a full photo documentary... just in case they ask for a time-lapse next time.
I get the frustration, but honestly, I kinda get why they want all that proof. My neighbor replaced his roof and then tried to claim it was “brand new” for insurance—except you could see the faded shingles from the street. I’d rather jump through a few hoops than have my premiums go up because of folks gaming the system. Still, the drone thing cracks me up... unless they’re planning to deliver pizza while they’re up there, seems a bit much.
The drone thing gets me too—like, are they checking for hail damage or just spying on my messy gutters? I get the need for proof, but sometimes it feels like overkill. Still, I’ve seen people try to pass off 15-year-old shingles as “new” just by pressure washing them. Curious—did they ask for any weird documentation, or was it just photos and drone shots?
