How an insurance company decides if you need a new roof.

After a catastrophe strikes, you home may be left with wind damage to your roof shingles. It is important to tarp your roof, cover any openings and file and insurance claim.

As the homeowner you feel nervous about your insurance adjuster coming out for your homeowners claim inspection.  Every claim is different and that is why the adjuster must come to your home.  Each claim needs to be determined on a case by case basis.

There are some key things that your insurance adjuster will be looking at when the insurance company comes to inspect your roof for wind damage.

The first thing they will be looking for is wind damage to the shingles. Wind damage is torn, creased and missing shingles. Shingles that have been pulled through the fasteners are also considered wind damaged shingles.

A roof inspection may also find pre-existing non storm related damages to your shingles such as blistering, cupping, curling, manufacturing defects and installation issues.  Homeowner’s policies do not cover these items.   Granule loss is also normal over the course of the roof’s life and is not typically considered damage.

Once it is determined your roof has covered wind damage the adjuster will look at the location of the damage. If it is isolated to a slope or two, most likely the adjuster will just estimate to replace those slopes or repair those areas.

Your adjuster will also have to think about the repair-ability of the shingles. The shingles have to be able to be lifted and bent so that repairs to the surrounding shingles can be made. If the roof shingles are not repairable, the adjuster may consider replacement of the entire slope.

What exactly is the insurance adjuster looking for and writing down in that notepad...

What exactly is the insurance adjuster looking for and writing down in that notepad...

Lastly the shingles have to be currently available on the market. Some shingles become discontinued and repairs cannot be made due to the roof shingles being unavailable.  However,  shingle color difference due to age and weathering does not make the shingles unavailable. 

There are many factors when an insurance adjuster inspects your roof.  Hopefully this helps to know what things the insurance adjuster is looking for.