When the insurance adjuster shows up, the next 30 minutes determine your payout. Here's how to make sure your damage is fully documented and not dismissed.
Have Your Roofer There
Always — always — have your licensed roofer on the roof with the adjuster. The adjuster's job is to limit the carrier's exposure. Your roofer's job is to make sure real damage is captured.
Pre-Document Everything
Bring printed photos of every damage point you've found, organized by slope. This is what we provide on every free inspection — a packet the adjuster references.
Push Back on 'Cosmetic'
If the adjuster calls hail bruising 'cosmetic,' request a re-inspection in writing and have us provide a written damage report. Roughly 30% of denied claims in our experience get approved on re-inspection.
Confirm Code Upgrades
Modern Alabama code may require items the old roof didn't have — ice/water shield, proper ventilation, drip edge. These are usually covered as 'code upgrades' in your policy.
Key Takeaways
- Have your roofer on the roof with the adjuster
- Bring printed slope-by-slope photos
- Don't accept 'cosmetic damage' verbally
- Request written re-inspection if denied
- Push for code-upgrade coverage
Frequently Asked Questions
Can I record the adjuster meeting?+
Alabama is a one-party consent state — yes, you can record without their permission. We recommend it for any claim over $5,000.