Property insurance claims and adjusters explain what adjusters look for in a roof

Property insurance claims and adjusters inspect for roof damage after you fill out a claim form

Property insurance claims and adjusters in Charlotte NC insist on expert roof inspections to assert that your claim is legit. It is crucial to understand the responsibilities of the insurance adjuster and what they are looking for during an inspection, whether you are making a homeowner’s insurance claim or need to set up a required insurance roof inspection. By looking at the roof from their perspective, you can avoid future policy cancellations or claim denials.

Finding out if there is roof damage, what caused it, and whether your insurance policy covers it is the duties of an insurance adjuster. Additionally, adjusters compare the cost of the damage to the roof’s current market worth. After you file a claim, the adjuster might then decide how much to pay out by adding a number of other considerations.

Depending on the cause of the examination, insurance adjusters will search for different things. The major objective, for instance, is to confirm that the disaster is what caused the damage when assessing a roof that has been destroyed by a hurricane or fire. The adjuster’s inspection could be considerably different if the insurance company demands an evaluation for other reasons. The adjuster in this scenario looks for three things in particular:

Roof age

Your roof might need to undergo an examination after 20 years. Why? because it’s risky to have an old roof. Older roofs are particularly susceptible to damage in areas near bodies of water like Charlotte. Older roofs must be evaluated by insurance providers to see whether the danger is too great to continue coverage. The adjuster can suggest that the insurer increase your rates, change your coverage, or void your policy if your roof is older.

Installation and maintenance

Incorrect installation or maintenance of your roof could result in issues that end up costing the insurance company thousands of dollars in claims. Insurance adjusters can see an inappropriate installation and point to problems like using outdated materials or infringing on code, as well as safety concerns or failing to install the roof in accordance with the manufacturer’s instructions. A claim adjuster will be able to identify right away whether your roof has been neglected.

Visible signs of damage: Both internal and external

While certain damage indicators are easy to see, others could be more subtle. Insurance adjusters conduct thorough examinations to find issues that you or a roofer might have overlooked.

Hire the best property insurance claims and adjusters in Charlotte NC

Adjusters can conduct inspections when you are filing for homeowner’s insurance or claiming compensation after roof damage. Hire the best property insurance claims and adjusters in Charlotte NC for the best results.

Steele Restoration is a fully licensed and insured Charlotte NC and Greenville SC-based general contractor and roofing company specializing in roofing, siding, and storm damage restoration for single-family homes, multi-family complexes, and commercial and industrial sites. We service Charlotte and surrounding areas, including Rock Hill, Lake Norman, Steele Creek, Matthews, Ballantyne, and Blakeney, along with Greenville and Spartanburg SC areas.