What Do Insurance Adjusters Look for On Roofs?
When the roof of your home or business gets damaged by an unexpected severe weather occurrence, it’s important for you to know ahead of time what to expect. After all, your the roof of your home or business protects many or all of your life’s most precious investments; and your loved ones. If you have been asking yourself, “What do insurance adjusters look for on roofs?” — you have come to the right place!
In this article, we will go over in detail what insurance adjusters are trained to look for on your roof, from the inside and outside of your home, and also give you some roof safety tips for do-it-your-selfers, and a downloadable roof inspection checklist, so you can ask questions and make certain that your insurance adjuster knows what he/she is doing!
NOTE: If you already know roof safety and how important it is, skip the next section and just read the rest of this post!
First Things First... Roof Safety Tips for DIYers'
We know that you want to find out what do insurance adjusters look for on roofs, but we wanted to say a few words about roof safety first. After all, if you fall from your roof, chances are you might break something or at least get injured some, and we don’t want that for you! The first thing that we want to stress on this topic, especially for do-it-your-selfers, is the importance of roof safety! According to OSHA, fall injuries are one of the main causes of work related injuries. Then in this study by the US National Library of Medicine, people (predominantly men) over 55 years of age fall the most from ladders.
So working on ladders is dangerous anyway, but when you pair that with the fact that roof safety, in general is tricky, because it is at an elevated hight, and even climbing onto and off of a roof is scary until you get used to it, if you don’t feel comfortable climbing on the roof yourself, it’s probably not the best idea in the first place!
To have an experienced roofer come out and inspect and assess your roof for damages, and give you a free, no-hassle estimate for any repairs that may need to be done to the roof of your home or business, just click the button below and one of our team members will call you back ASAP and schedule a time at your convenience to meet with one of our expert roof inspectors!
What Do Insurance Adjusters Look for On Roofs?
If your home or business has taken on damages from an unexpected storm, tornado, or other severe weather occurrence, the first thing you need to know is that time is of the essence! It’s very important to take pictures and /or write down any damages immediately, and then call your insurance adjuster to get the insurance claims process started as soon as possible after a storm, so that you can get the money that you need to make the needed repairs on your roof!
So to answer your question, “What do insurance adjusters look for on roofs?” — the truth is — a LOT! Insurance adjusters who inspect your roof for damages look at three main things:
The Age of the Roof – The age of the roof may come into play if your roof is over 20 years old on some material types. Ask questions, AND always make sure that you read the fine print when you sign your agreement, because some home insurance policies will put a limit on the worth of your roof after 20 years!
Was it Installed Properly – In this document by FEMA.gov, they point out a fact that is very true to knowledgeable people who understand what a roof is up against in nature every day — AND even MORE TRUE for experienced roofers! They say that:
“Proper roof installation is achieved through experience and sound construction techniques, thorough
inspections, and compliance with code requirements, standards, and manufacturer recommendations.”
Visible Signs of Damage Inside and Outside – When insurance adjusters inspect the roof of your home, they are lookng for visible signs of damage inside and outside of the home, to ensure that your damages are assessed correctly, and precisely, so that you can get the money you need to repair or replace the areas of damage… not just part of it.
IMPORTANT NOTE: Insurance adjusters are very important to call on to inspect your home if you have homeowners insurance, because it is the first and most important step in the claims process, and they are trained to know what to look for. But roofers are on roofs every day… They have a keen eye for things that may go unnoticed to normal people, or even insurance adjusters! If you would feel more comfortable with an experienced professional looking at your roof, or you would like a second opinion, just click any of the buttons on our website or call us now at (651)560-6355 and schedule a good time to meet with one of our expert roof inspectors!
What Do Insurance Adjusters Look for On Roofs? - General Roof Inspections and Storm Damage Roof Inspections
In a general roof inspection, insurance adjusters may look for the age of the roof, proper installation, missing or broken shingles, areas of wear or sun damage, damages from bordering trees, nail pops, and normal problems that may arise from a roof being exposed to nature over time. But after a storm hits, there are additional signs of damage to your roof that insurance adjusters have to be on the lookout for.
The two lists below will help you better understand what do insurance adjusters look for on roofs, so that you can ask questions if you notice any damages from the ground, or you think that you may have an inexperienced person inspecting your roof:
General Roof Inspections Checklist
As previously stated, some of the main issues that need to be inspected on your roof are nail pops, the age of your roof, and proper roof installation. Here are a few more things that insurance adjusters look for while performing a general roof inspection checklist:
Storm Damage Roof Inspections Checklist
When a storm hits, roof inspections get a little more tricky. For instance, after a hail storm on an asphalt roof, sometimes inspectors have to rub their hands across the shingles to feel dents. Here are some more things that insuyrance inspectors look for when performing a storm damage roof inspection checklist:
Roof Inspection Checklist for Do-it-Your-Selfers
FOr all of the do-it-your-selfers out there, we decided to put together a checklist for when you are inspecting on yout roof anbd around your home’s exterior. In this checklist, we cover all of the major points that you want to check for possible issues, and remind you exactly what to look for, so you don’t end up having to climb back up because you forgot something.
Just click the button below to download our FREE roof inspection checklist in PDF form! (Follow printing instructions below the button if you are unsure how to print something!)
- Click the Green Button to be Taken to the Roof Inspection Checklist PDF
- Click the Menu Button ain the Top Right Corner of Your Browser
- Select Print from the Menu
- When the Print Box Pops Up, Select Microsoft Print to PDF from the Top Dropdown Box
- Save Somewhere You Can Easily Find it
- Either Print FOrm Out from Home, or Email it to Your Nearest Fedex or UPS Store and They Will Help You!
Roof Inspections Are Always FREE with Sellers Roofing Company!
Sellers Roofing Company has crews out on residential and commercial roofs in the greater Minneapolis area nearly every day of the week. One of the reasons that we always offer FREE roof inspections and storm damage assessments, is because we understand the importance of keeping your family or employees and all of your most valuable assets safe and free from harm . We are here for you during normal business hours (l7 AM to 6 PM Monday through Friday and 8 AM to 12 PM Saturday) and we have some of the best prices in town if you need roofing work done on your home or business.
We have access to the latest advancements in leak detection technology, our guys are experts that have been doing roofing work for years, and we care about our customers’ well being! At Sellers Roofing Company, our roof inspections are always FREE!
What Do Insurance Adjusters Look for On Roofs? - Final Thoughts
As a home or business owner in Minnesota; especially in in the Minneapolis area where weather is known to come out of nowhere and take more than you expected, your roof is one of your most important investments you can make. If all you were looking for was to answer your question, “What do insurance adjusters look for on roofs?” – we hope that this information helps you out.
Sellers Roofing Company has operators on standby that are ready to take your call Monday Through Friday until 6 PM and Saturdays until noon to answer any questions that you may have about your roofing system, or any other part of the exterior of your home. If you notice something that looks fishy with your roof, even right after it’s installed… Call the pros here at Sellers and we’ll be able to tell you exactly what is causing the issue and make any needed repairs to get you and your family, or your business and your employees back safe and sound under a professionally done roofing system quickly and affordably!