Having a roofing contractor at your insurance adjustor inspection meeting

There are many items an insurance adjustor will want to "see" correctly before they will approve your claim.


An insurance adjuster is legally obligated to follow a specific sequence of steps before they can approve your claim. Having your roofing contractor at your inspection meeting with the insurance adjuster is essential because the contractor has inside knowledge of the roof and building systems and can answer questions on various topics.


What Is the Meeting Like

The insurance adjuster will want to see that the roof meets building design standards and local codes. This meeting will probably last for about an hour. The insurance adjuster will ask questions of the building owner, the architect or engineer, if there is one, and the contractors. The insurance adjuster is looking for documentation that shows the building was appropriately designed and built with materials that meet or exceed industry standards. The adjuster will want to see the building design plans and submittals to show the types of specified materials. They also want to see what type of warranty was specified and documentation showing the warranty is still valid.


Why Is a Contractor Needed at the Meeting

An insurance adjuster is not a building or roofing expert; therefore, they must rely on the individuals involved in the roofing system design and construction.


Here are some of the benefits of having a roofing contractor at the meeting.


1. The contractor has intimate knowledge of the roof and building systems

A roofing contractor has experience and knowledge of a wide variety of roofing systems so that the contractor can provide insight into the roofing systems, building system conditions, and the building's effect on the roof.


2. The contractor can answer questions relating to all areas of the project

A roofing contractor knows intimately what was in or on the building when the work was completed. This knowledge is vital to answering questions about past situations and providing answers to insurance adjustors. A roofing contractor is not limited to answering questions about roofing systems. The contractor can address questions about the roof-to-building system interactions or even building code issues.


3. The contractor can provide documentation that shows the building meets design standards and local codes

If an insurance adjustor remains skeptical of your roofing contractor, the contractor can provide documentation that shows the building meets design standards or even problem areas. These documents are generated from the design phase and the building permit applications.



In summary, having your roofing contractor at your inspection meeting with the insurance adjuster is important to maximize your chances of getting approved for your claim. A roofing contractor is an invaluable team member in getting the job done right and in a timely manner.

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