Clear documentation definitely helps, but honestly, adjusters usually respond more to specifics—storm date, wind speeds, hail size—than just a roofer's authority. I've seen detailed reports turn denials into approvals plenty of times... sounds like you handled it well.
Totally agree with you on specifics making the difference. Adjusters have to justify their decisions to higher-ups, so giving them solid numbers and data makes their job easier (and yours too). I've noticed that sometimes even photos alone aren't enough—they need context like timestamps, weather reports, or radar screenshots to really seal the deal.
Had one a while back where the homeowner initially got denied because the adjuster claimed it wasn't "severe enough." We went back, pulled detailed storm reports showing hail size and wind gusts from that exact neighborhood, plus added some neighbor testimonies. Sent that over, and suddenly it was approved without a hitch. So yeah, documentation is key, but it's gotta be the right kind of documentation. Sounds like you're already on top of it though...nice job handling that tricky situation.
"I've noticed that sometimes even photos alone aren't enough—they need context like timestamps, weather reports, or radar screenshots to really seal the deal."
Couldn’t agree more. Learned this the hard way a few years back when our roof got damaged by hail. I thought snapping some clear photos would be enough... nope. Adjuster came out and said the damage looked "old" and wasn't covered. Had to scramble to find weather data and ended up getting a detailed hail report from a local weather station. Once I sent that over, they reversed their decision pretty quickly.
Since then, I've made it a habit to document everything—screenshots of radar, timestamped pics, even quick videos with date/time stamps if it's safe to do so. Might seem like overkill, but when you're dealing with insurance companies, there's no such thing as too much evidence.
"Might seem like overkill, but when you're dealing with insurance companies, there's no such thing as too much evidence."
Haha, exactly. Insurance companies have a special talent for finding loopholes. I've even started including screenshots of local news reports—sounds silly, but hey, whatever works to avoid the runaround later.
Have you actually had luck submitting news screenshots? I'd worry they'd dismiss it as hearsay or something...but maybe it helps show context. At this point, though, isn't reading the fine print beforehand easier than chasing evidence later?
