Key takeaway
A homeowner-focused overview of the roof, exterior, interior, and policy-related factors an adjuster may consider.
Reported date and cause of loss
The adjuster may compare the reported storm or event with visible conditions, weather information, and the homeowner’s description.
Damage patterns
Wind, hail, falling debris, wear, installation issues, and mechanical damage can produce different patterns.
Roof age and condition
The adjuster may document general deterioration, prior repairs, maintenance concerns, material brittleness, and remaining serviceability.
Repairability
Material availability, matching, brittleness, roof design, and the ability to complete a functional repair may be considered.
Interior and collateral damage
Water stains, damaged drywall, insulation, gutters, siding, vents, and other components may be reviewed when relevant.
Policy terms
Even visible damage may not be covered if the cause is excluded or the policy contains limitations.
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