Is having your roofing contractor meet your insurance adjuster really necessary? Have you ever had to file a roof claim with your insurance company to get your roof repaired only to find out later that your deck, fence and house paint were damaged too and it was too late to put it in the claim without filing a new claim with a new deductible? The adjuster typically investigates the roof and surrounding property looking for damage cause by hail or wind.
When a homeowner files a claim for hail or wind damage on their home, the next step in the process is to have a representative of the insurance company or an independent adjuster to come out to the property and assess the damage.
This will come with an AVC check for the homeowner to use to pay roofing companies or general contractor to get started on restoring the property. Depending on the CAT # like 1,2,3,4,5, will determine the strength and amount of damage the storm caused to properties in that area or city.
The lower the number the less damage from the storm. When these size storms hit, the local insurance companies are inundated with calls from their insureds.
The local representatives will do their best to give estimates on the properties damaged, but typically they hire independent adjusters to help with the volume of claims.
Many of these adjusters are on up to 8-10 roofs a day.
If it takes an hour to do a quality assessment, that's 10 hours a day without including driving, meals or even bathroom breaks. However, with this kind of work load, they can get in a hurry.
That's a long day everyday, plus at night they have to do all of the paperwork. They could possibly miss items that were damaged only because their work load is so stacked that they need to move on the the next roof claim.
Here's is where a great roofing company is worth their weight in gold!
Reputable roofing contractors will meet the adjuster at your property and walk the roof and property with the adjuster.
This tends to slow the adjuster down to be able to locate all existing damage on the entire property.