What not to say to an insurance adjuster about your roof?
If you are dealing with storm damage to your roof in Farmington Hills, MI, the words you use with the insurance adjuster matter. A few offhand comments can make the difference between a smooth claim and a drawn-out fight.
Stick to facts, not excuses
Do not say you knew the roof was in bad shape or that it was overdue for replacement. Saying the roof was old, patched, or previously leaking can be used to deny or reduce your claim.
Do not admit fault. Avoid statements like it was my fault because I did not maintain the roof. That can be read as negligence and used against you.
Don’t downplay or exaggerate
Do not minimize damage by saying it is not that bad just to speed things along. That can lead to a lower payout or incomplete repairs.
Do not exaggerate by claiming the whole house is ruined if only the roof and attic were affected. Stick to what you know happened and what you can show.
Avoid promises and quick decisions
Do not tell the adjuster you will accept the first offer or that you will sign anything right away. Adjuster offers are part of negotiation. Take time to review.
Do not say you already fixed parts of the roof before the adjuster inspected it. Making repairs without documentation can complicate coverage and reimbursement.
Don’t give technical estimates or measurements
Do not state square footage, repair costs, or specific materials unless you are a licensed contractor and have a written estimate. Incorrect numbers can lock you into the wrong settlement.
Do not guess about the cause of damage. If you are unsure whether it was wind, hail, age, or a fallen limb, say you are unsure. Let the professionals determine cause.
Keep emotions in check
Do not get angry or accusatory. Yelling or threatening will not help your claim. Stay calm and stick to the facts.
Do not argue over small points on the spot. Take notes, get the adjuster’s contact, and follow up with documented evidence.
What to say instead
Say clear, factual statements. Give dates, times, and photos. Point to visible damage and any water intrusion. Offer any pre-storm maintenance records you have. Ask for next steps and a timeline for inspection and payment.
If you need help documenting damage, negotiating with the insurer, or handling repairs in Southeast Michigan, Aaron Builders can assist. We provide storm damage restoration, roof assessments, and insurance consulting to homeowners around Farmington Hills and beyond.
For help or to schedule an inspection, visit aaronbuilders.com or call the number on our site. We can walk you through what to say and how to protect your claim.