What Does the Adjuster Do?
The adjuster's role is to evaluate damage and determine coverage:
The adjuster inspects your roof and determines what damage was caused by the covered peril (storm, hail, wind). They distinguish between storm damage and normal wear and tear.
The adjuster reviews your policy to determine what is covered, your deductible, and your coverage limits.
The adjuster prepares an estimate of repair costs using industry-standard software (such as Xactimate). This estimate determines your claim payment.
Preparing for the Adjuster Visit
Proper preparation ensures a thorough inspection:
Take photos of all visible damage before the adjuster arrives. Document interior damage, gutters, siding, and any other affected areas.
Bring your roofing contractor to the inspection. They can point out damage the adjuster may miss and ensure a complete assessment.
Know your coverage limits, deductible, and any special provisions. This helps you understand what the adjuster should and should not cover.
Comparing Estimates
Compare the adjuster's estimate with your contractor's estimate:
Review both estimates line by line. Look for missing items, different quantities, or lower unit prices in the adjuster's estimate.
Adjusters often miss damage, underestimate quantities, or use outdated pricing. Roofing contractors often identify additional damage and use current pricing.
If you disagree with the adjuster's estimate, request a detailed explanation. Work with your contractor to provide documentation supporting additional damage.
Tips for a Successful Claim
Follow these tips for better claim outcomes:
Stay professional and courteous with the adjuster. However, do not accept an inadequate estimate without question.
Request written explanations for coverage decisions and estimate adjustments. Verbal assurances are not enforceable.
Insurance companies respect estimates from established, reputable contractors. Choose a contractor with strong references and credentials.
Claim Timeline
Typical insurance claim timeline:
Report damage to insurance company. Initial phone assessment.
Adjuster inspection and estimate preparation.
Estimate review and dispute resolution. Supplement requests if needed.
Claim approval and payment. Contractor selection and scheduling.
Frequently Asked Questions
Do I need a contractor for the adjuster inspection?
It is highly recommended to bring your roofing contractor to the adjuster inspection. They can point out damage the adjuster may miss and ensure a complete assessment. Many insurance companies welcome this collaboration.
What if the adjuster's estimate is lower than my contractor's estimate?
Request a detailed explanation of the adjuster's estimate. Compare line by line with your contractor's estimate. Look for missing damage, incorrect quantities, or outdated pricing. Dispute discrepancies with documentation and supporting evidence.
How long does an insurance claim take?
Most claims are processed within 2-4 weeks. Complex claims or disputes can take 2-3 months. Delays often occur when the adjuster and contractor disagree on the scope of damage or pricing.
Can I dispute the adjuster's estimate?
Yes, you can dispute the adjuster's estimate. Request a detailed explanation, provide supporting documentation, and work with your contractor to demonstrate additional damage. Many disputes are resolved through negotiation and supplemental estimates.