- Had to help out with a storm claim last year. Roof was a basic torch-down, not even a green roof, and the adjuster still wanted a pile of paperwork.
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“those roofs are complicated. You’ve got layers, drainage, membranes, sometimes irrigation... If you can’t show what’s under the plants, how are they supposed to know what they’re actually insuring?”
Totally get this, but sometimes it feels like they’re just stalling. We had all the install docs and maintenance logs, but they still sent someone out twice just to check the insulation type.
- Not sure if this is just my area (Midwest, lots of hail), but seems like every claim lately needs more proof than the last one.
- Agree that having everything on file helps. The one time we didn’t have a copy of the warranty handy, it dragged on for months.
- Still, I wonder if some of it’s just them hoping people give up. Like, if you make it hard enough, maybe the owner just pays out of pocket?
- Green roofs must be even more of a headache. Haven’t worked on one yet, but hearing stories like yours makes me want to keep every scrap of paper from day one.
- Curious—has anyone actually had a claim denied because of missing documentation? Or is it more just delays and back-and-forth?
- Anyway, I get why they’re cautious, but man, it’s a lot for a roof.
Had a similar circus here after a windstorm—adjuster wanted photos of every layer, like I’m hiding a secret spa under the membrane or something. Anyone else notice deductibles creeping up too? Feels like every year the “fine print” gets finer...
I get the frustration with adjusters and all their photo requests, but honestly, I kinda see why they’re extra careful now. After my neighbor’s hail claim last year, the insurance folks found some old damage mixed in with the new stuff, so they wanted proof of what was actually storm-related. Not saying it’s fun—definitely a hassle—but I guess it keeps things fair for everyone.
About deductibles creeping up, though... I haven’t noticed mine changing much (yet), but maybe it depends on your area or provider? I do agree the fine print gets more confusing every renewal. Spent an hour reading through mine this spring and still felt like I missed something.
I do agree the fine print gets more confusing every renewal. Spent an hour reading through mine this spring and still felt like I missed something.
That’s a real issue—policies seem to get more complex every year. Out of curiosity, has anyone seen language about “cosmetic” vs “functional” roof damage in their policy? I’ve noticed some providers are starting to exclude cosmetic hail marks, which could really impact claims if you have a metal or tile roof. Wondering if that’s just a regional thing or becoming standard everywhere.
I’ve noticed some providers are starting to exclude cosmetic hail marks, which could really impact claims if you have a metal or tile roof.
Yep, I caught that “cosmetic only” clause buried in my renewal last year. I’m in the Midwest and it’s definitely creeping into more policies here. My neighbor’s metal roof looked like a golf ball after last spring’s hail, but his claim was denied—insurer said it was all cosmetic. Seems like a sneaky way to limit payouts, honestly. Makes me wonder what’ll be excluded next...
