What not to say to a roof insurance adjuster? Imagine a big windstorm just rolled through and you have an adjuster coming to inspect your roof. What you say in that first conversation can help or hurt your claim.
Stick to facts, not assumptions
Do not say: “It was already in bad shape.”
Why not: That sounds like preexisting damage and can be used to reduce or deny your claim. If you are unsure about the roof condition before the storm, say so. If you have photos from before the storm, mention that and show them.
Do not say: “I never maintained the roof.”
Why not: Admitting neglect gives the insurer reason to limit coverage. Instead say what maintenance you did, or that you had routine inspections if that is true. If you cannot recall details, keep it neutral.
Avoid admitting repairs before documentation
Do not say: “I already replaced the shingles” or “I cleaned up everything.”
Why not: If you repaired or removed damaged materials before the adjuster documents them, it can lower your payout. If you had to make emergency temporary repairs to prevent more damage, say that and keep all receipts and photos of the temporary work.
Do not say: “I don’t need an estimate”
Why not: Adjusters rely on estimates. A contractor estimate often catches things the first report misses. It is ok to say you will get an independent evaluation.
Don’t guess about the cause
Do not say: “The neighbor did it” or “It must be this other event” unless you know for sure.
Why not: Wrong cause can lead to denial. Say what you observed and let professionals determine cause.
Be careful with statements about value
Do not say: “I want full replacement no matter the cost” or “Pay me cash.”
Why not: These statements can trigger extra scrutiny and slow your claim. Let the process determine scope and cost. If you want full replacement, bring a contractor to explain the need.
Avoid signing or agreeing to quick fixes
Do not sign anything on the spot that limits future claims.
Do not accept a low offer immediately. Take time to review and, if needed, get an independent contractor estimate.
Practical closing tips
Do not refuse the adjuster access, but do ask for ID and schedule inspections at a reasonable time. It is reasonable to ask that a contractor be present during the inspection. For wind damage restoration in Rochester Hills, MI, having a contractor who knows local codes is helpful.
If you are unsure what to say or want someone experienced at the inspection, Aaron Builders can accompany you, document damage, and provide a detailed estimate to support your claim. Visit aaronbuilders.com or call their 24 7 line for help with wind damage restoration and insurance questions.