"Ended up submitting a bunch of photos and specs before they'd chill out... guess green doesn't always mean simple."
Had a similar run-in when we installed skylights on a client's older home. Insurer wanted detailed framing diagrams and even questioned the flashing method. Took forever to convince them it was standard practice... insurance folks sure love their paperwork.
Had something similar happen recently when we did a metal roof replacement. The insurer kept asking for extra close-ups of the fasteners and even questioned the underlayment type. Felt like I was sending them a whole photo album by the end, haha.
"insurance folks sure love their paperwork."
Makes me wonder if they're just being thorough or if they've had some bad experiences before... anyone else had insurers question standard roofing materials?
Had a similar experience last year when we installed a green roof system. The insurer kept questioning the waterproof membrane type and drainage layers, even though they're pretty standard components. Ended up sending them detailed specs, manufacturer data sheets, and even a few installation process pics. Felt like overkill at the time, but I guess they're just covering their bases after past claims issues... or maybe they're just not familiar enough with newer roofing tech yet.
Had something similar happen on a metal roof job a few months back. Insurer kept grilling us about the underlayment and fastener spacing—stuff that's pretty routine. Makes me wonder, anyone else seeing insurers get extra picky with certain roof types lately?
Yeah, I've noticed insurers getting way more particular lately, especially with metal roofs and flat roofing systems. Had a similar run-in recently where they questioned every little detail about our seam sealing and flashing methods—stuff we've done the same way for years without issue. Honestly, it feels like they're tightening up their standards to minimize payouts, especially after some of the big storm seasons we've had.
But here's the thing: sometimes their "concerns" aren't even consistent. One adjuster will nitpick fastener spacing, while another barely glances at it but obsesses over underlayment specs. Makes me wonder if they're just fishing for reasons to deny claims or reduce coverage...or maybe they're genuinely trying to enforce stricter installation standards across the board?
Either way, it's definitely making me double-check manufacturer guidelines and document everything meticulously now. Curious if others are seeing this trend with different roofing materials too, or if it's mostly metal roofs catching extra scrutiny lately.
