What Do Insurance Adjusters Look For During a Roof Inspection?

If your roof’s been hit by a storm or you’ve filed a claim, you’ll probably hear this next: "The insurance adjuster is coming out to inspect the roof."

But what exactly are they looking for? And how can you make sure you’re not left footing the bill for damage that should be covered?

At Red Patch Roofing, we’ve worked alongside dozens of adjusters across Berks County and beyond. Here’s a no-nonsense look at what adjusters inspect — and how we help make sure your claim is handled fairly.

📝 First Things First: The Adjuster’s Job

Insurance adjusters aren’t the enemy — but they do work for the insurance company.

Their goal is to assess:

✅ What damage is present

✅ What was caused by a covered peril (wind, hail, storm, etc.)

✅ What repairs or replacement are needed

✅ What the insurance company will pay

🔍 What Adjusters Look For on the Roof

1️⃣ Hail Damage

They look for impact marks on:

• Shingles (bruising, granule loss)

• Metal components (vents, flashing)

• Gutters and downspouts

Pro tip: This damage can be subtle — that’s why we use drones to document it clearly.

2️⃣ Wind Damage

They’ll check for:

• Lifted or missing shingles

• Creased or bent shingles

• Loose ridge caps

• Damaged flashing

Important: Even shingles that look "okay" from the ground may be unsealed and vulnerable.

3️⃣ Water Damage & Leaks

Signs of active leaks, water stains, or interior damage will also be documented.

4️⃣ Age & Condition of Roof

Adjusters consider the age of your roof — older roofs may get partial coverage depending on your policy. That’s why working with a contractor who understands insurance language is key — we help fight for fair value.

🚩 Common Pitfalls Without a Contractor’s Help

Homeowners who go it alone sometimes get:

❌ Damage missed or minimized

❌ Partial approval when full replacement is needed

❌ Confusing estimates they don’t understand

That’s where Red Patch Roofing comes in: We meet the adjuster on-site. We document every detail with photos and drone footage. We speak the adjuster’s language — making your case clear and professional.

You deserve every dollar you’re entitled to.

Final Word From Red Patch Roofing

Insurance claims can feel overwhelming — but you don’t have to navigate it alone.

As a veteran-owned roofing company, we know how to work respectfully with adjusters while fiercely protecting your interests.

If your roof’s been hit by storm damage, call Red Patch Roofing first. We’ll inspect your roof, document the damage, and guide you through every step of the claim.

No stress. No guesswork. Just expert help from your trusted local roofing partner.