Had one ask for a video walkthrough of the attic—felt like overkill, but I get it, they’re just covering their bases.
Yeah, I hear you. The inconsistency is wild sometimes. One adjuster barely checks the flashing, next one wants to see every rafter and vent. I’ve had owners get frustrated when I can’t give them a straight answer on what to expect. Honestly, I wish there was a checklist or something standardized across the board... would make life easier for everyone. Hang in there—it’s not just you running into this mess.
That’s been my experience too—one adjuster just pokes around the gutters, another wants a full attic inspection with photos of every truss. It’s tough to set expectations for homeowners when the process changes every time. I get why they want so much documentation, especially after big storms, but it does feel like overkill sometimes.
I’ve noticed it depends a lot on the insurance company and even the individual adjuster’s style. Some are super thorough, others just want to check the obvious stuff and move on. It’d be way easier if there was a standard checklist everyone followed—at least then we could prep owners ahead of time.
One thing I’ve started doing is keeping a folder of typical attic and roof photos from past jobs, just in case someone asks for something weird. Saves me a trip up the ladder half the time. Still, it’s frustrating not knowing what’ll be required until you’re in the middle of it...
Yeah, the inconsistency drives me nuts too. One time I had an adjuster who barely glanced at the roof—just pointed at a couple shingles and called it good. Next claim, the guy wanted to see every inch of the attic and even asked for photos of the insulation. I get that storms make everyone jumpy, but it’s hard to prep when you don’t know if you’ll need a full photo shoot or just a quick walkaround. Keeping a stash of old pics is smart—I’ve started doing the same. Makes me wish there was a universal “roof inspection bingo card” or something...
Makes me wish there was a universal “roof inspection bingo card” or something...
Man, if I had a nickel for every time an adjuster wanted something random—one guy even asked me to tap the rafters with a screwdriver “for sound.” I just keep a folder on my phone now. Never know if you’ll get “quick glance” or “CSI: Attic Edition.”
That “roof inspection bingo card” idea cracks me up—feels like every adjuster’s got their own secret checklist. I’ve had folks ask me to do the weirdest stuff, too. One time, a guy wanted me to measure hail dents with a caliper and then compare them to a golf ball. Not sure what that was supposed to prove, but hey, I played along.
About the insurance deductibles—are you running into issues with what’s covered or just trying to figure out how much you’ll actually owe out of pocket? I’ve seen a lot of confusion lately, especially after storms. Some policies have separate wind/hail deductibles that are way higher than the standard one. It can catch people off guard, especially if you’re used to the old flat-rate style.
If you’re dealing with an adjuster who’s asking for “CSI: Attic Edition” level proof, it helps to have before-and-after pics, plus any receipts or repair records. Saves a lot of back and forth. But honestly, sometimes it still feels like a roll of the dice... Anyone else ever get asked to “prove” a shingle was original from 1998?
