Detailed Answer
Understanding what an insurance adjuster evaluates helps you prepare for the inspection and ensures all damage is documented.
Hail damage indicators
- Random pattern of circular dents or bruises on shingles
- Exposed black fiberglass mat where granules were knocked off
- Dents on metal flashing, vents, gutters, and downspouts
- Cracked or chipped ridge caps
- Soft spots when pressing on shingle surface
Wind damage indicators
- Missing shingles or tabs
- Lifted or creased shingle edges
- Damaged drip edge or fascia
- Missing or displaced ridge cap shingles
- Debris impact marks
What adjusters also check
- Roof age and overall condition (pre-existing wear reduces claims)
- Proper installation — improperly installed roofs may not be covered
- Interior damage — water stains, active leaks, attic moisture
- Collateral damage — gutters, siding, window screens, AC units
- Ventilation components — ridge vents, soffit vents, turbines
How adjusters determine the claim
Adjusters use a software called Xactimate to price the repair/replacement scope. They measure the roof, count damaged areas, and apply local pricing databases. If damage exceeds a threshold (typically affecting 8+ shingles per 100 sq ft test square), they may approve a full replacement.
Tips for the inspection
- Be present and walk the property with the adjuster
- Have your contractor there if your policy allows it
- Point out ALL damage, including on ground-level components
- Take notes on what the adjuster says and documents
- If you disagree, you have the right to request a re-inspection or invoke appraisal