what not to say to a roof adjuster

2 min read 25-12-2024

Getting your roof repaired after a storm can be stressful. Dealing with the insurance company and adjuster only adds to the pressure. Saying the wrong thing to a roof adjuster can jeopardize your claim. This article outlines crucial phrases to avoid during your roof damage assessment. Knowing what not to say is just as important as knowing what to say.

Avoid These Phrases During Your Roof Inspection

Your goal is to present a clear, factual case for the damage to your roof. Emotional outbursts or misleading statements will hurt your claim. Let's look at common pitfalls:

"I Don't Know Anything About Roofs"

While you may not be a roofing expert, pretending to be completely ignorant isn't helpful. The adjuster will likely see through this. It might make them think you're trying to hide something. Instead, focus on what you do know: when the damage occurred, what you observed, and any related issues.

"It's All the Wind's Fault" (or Similar Oversimplifications)

Attributing damage solely to one factor (like wind) might not hold up if the adjuster finds other contributing issues. This is especially important if you live in a region prone to multiple weather events. Present a neutral summary of the events and let the adjuster draw conclusions based on the evidence.

"I Need a Brand New Roof"

Demanding a complete roof replacement without evidence is unwise. The adjuster needs to assess the extent of the damage. If the damage is minor, this might be perceived as unreasonable and damage your claim's credibility. Let the adjuster determine the necessary repairs.

"My Neighbor Got a Whole New Roof!"

Comparing your situation to your neighbors is irrelevant to your claim. Every property and policy are different. Focus on the specifics of your damage and your insurance policy. It's better to focus on your own damage and let the adjuster do their job objectively.

"I'll Just Fix It Myself"

This might appear as if you are attempting to bypass the insurance claim process. Stick to the process. Your insurer wants to assess and settle the claim. Let them handle the repairs through their approved contractors. This also ensures your repairs are covered by the policy.

Exaggerating the Damage

Honesty is crucial. Avoid embellishing the extent of the damage. Providing accurate information builds trust. Exaggerating can lead to claim denial or even accusations of fraud.

"I've Already Started Repairs"

Starting repairs before the adjuster's visit can severely hurt your claim. Insurance companies require a full assessment before authorizing repairs. You could compromise your claim. Wait for the assessment.

Being Aggressive or Argumentative

Maintain a calm and respectful demeanor throughout the process. Being aggressive won't help. A cooperative approach increases the likelihood of a fair settlement.

What to Do Instead: Document Everything

Before the adjuster arrives, meticulously document the damage:

Take photos and videos: Capture the damage from multiple angles. Include close-ups and wide shots.
Keep detailed records: Note the date and time of the incident, weather conditions, and any other relevant information.
Gather supporting evidence: This might include weather reports, photos taken before the storm, or contractor estimates.

By avoiding these phrases and proactively documenting the damage, you greatly increase your chances of a successful insurance claim. Remember, your goal is to provide accurate information and cooperate with the adjuster. This will lead to a faster and more favorable outcome for your roof repair.