What do insurance adjusters look for on roofs?

Insurance adjusters usually look for signs of sudden damage, not normal wear and tear. They check shingles for cracks, missing pieces, hail marks, lifted tabs, bruising, soft spots, and damage around vents, flashing, and valleys. They also look at whether the roof damage matches the storm date and whether the pattern makes sense for wind or hail. Photos matter a lot, and so does clear documentation of when the damage happened. If the roof is very old, the adjuster may pay closer attention to how much of the problem is storm related versus age related. That is why a proper roof inspection before the claim can help. It gives you a clearer picture of what is really going on and helps you avoid guessing when the adjuster shows up. If you are dealing with storm damage, our roof insurance claim process explains the next steps.