Easing Anxieties About Working With Insurance Adjusters

For some, working with an adjuster can be a cause of stress or anxiety. Years’ worth of misinformation about who adjusters are, what exactly they’re meant to do, and whose best interests they have in mind has created unnecessary fear in the minds of many homeowners.

There’s no need for concern when it comes time to involve an adjuster in your roofing damage or hail insurance claims. However, it can be complicated to interpret their reasoning in assessing damage and determining the claim amount.

At Beyond Roofing, we recommend scheduling a complimentary inspection before you schedule the inspection with your adjuster. This way, you have a full report from a licenced roofing contractor to present the adjuster that will help ensure you get everything covered.

That being said, It’s helpful for you to know what to expect from your adjuster after our initial visit.

Where Will the Adjuster Look for Damage? What Will They Look For?

Ground elevations

These include windows, screens, downspouts, and siding. Your adjuster will use chalk to highlight damage and follow up with photographs and formal documentation. They’ll likely be looking for:

  • Broken windows
  • Torn screens
  • Signs of impact on siding materials and paint

Additional structures and personal property

As with ground elevations, your adjuster will highlight any damage with chalk before photographing it and writing up a report. They’ll be on the lookout for dents, holes, chipped paint, and other signs of impact on property like:

  • Playhouses
  • Awnings
  • Storage sheds
  • Grills
  • Patio furniture

Roof and gutters

Your insurance adjuster will climb up onto your roof to inspect it (and the surrounding areas) for damage. The process involves creating 10 ft x 10 ft squares and looking for damage in those squares one at a time.

Determining the Total Loss

Adding up the cost of repair and replacement

Your adjuster’s estimates for the cost of expenses like roofing, windows, siding, and gutters are determined by a handful of factors. Pricing and the amount of your return will be heavily dependent on:

  • The type of damage sustained
  • The cost of the materials required
  • The price of necessary labor
  • Whether repair, replacement, or installation (or any combination of three) are necessary

The deductible

Once your insurance company provides you with a total estimate for any necessary repairs and replacement, you’ll have to start thinking about your deductible. Property owners are responsible for their own deductibles. Deductibles vary from one insurance company to the next, but a good rule of thumb is that they’re typically between $1,000 and $1,500.

Disbursement of payment

If your claim is above a certain amount, your insurance company may require that you contract a licensed roofing company before disbursements are made. Some companies require that homeowners provide proof of repairs within 180 days of making a claim.
Your insurance company can cut you a check (less the deductible) for your claim, but they can also pay contractors directly. This allows contractors to partner with the insurance company directly and collect overages throughout the construction process.

Partnering with Beyond Roofing

At Beyond Roofing, we’re committed to supporting scores of Denver homeowners after severe weather. If you think you have cause for a claim, call us right away. If necessary, we’ll meet with your adjuster in order to ensure that all of your loss is fully covered.