What do Insurance Adjusters Look for on Roofs?

Insurance adjusters typically look for several things when inspecting a roof for damage. Some of the things they may look for include:

1. Visible damage: The adjuster will look for visible signs of damage, such as missing shingles, holes, or cracks in the roof.
2. Age of the roof: The adjuster will determine the age of the roof and assess whether the damage is due to normal wear and tear or if it is the result of a sudden and accidental event, such as a storm.
3. Maintenance: The adjuster will look for evidence of proper maintenance, such as regular inspections and repairs.
4. Code violations: The adjuster will check to see if the roof meets current building codes and if any code violations may have contributed to the damage.
5. Cause of the damage: The adjuster will try to determine the cause of the damage, such as a storm, a tree falling on the roof, or a leaking pipe.
6. Extent of the damage: The adjuster will assess the extent of the damage and determine the cost of repairs.

It is important to note that the adjuster’s assessment may be used to determine whether the damage is covered under your insurance policy and the amount of coverage that is available.