The adjuster’s inspection is the day a roof claim is decided

Before the visit

After you open a claim, Texas law gives your carrier fifteen days to acknowledge it and start the investigation, and the adjuster will call to set a time. Adjusters after a big storm are working through a long list, so the visit can be short.

Have your own photos ready: the storm date, dents on the soft metals, any leaks inside. If you have had the roof inspected already, have that report too.

On the roof

Most adjusters mark out a test square on each slope, often ten feet by ten, and count the hail hits inside it. Enough hits per square on a slope usually means that slope qualifies for replacement. They also look at the ridge, the vents, the flashing and the pipe boots, and they measure every slope to calculate the roof’s size.

On the ground they check gutters, downspouts, screens, fences and the AC unit for damage from the same storm.

Why your roofer should be there

You have the right to have your contractor present. A roofer on the roof with the adjuster can point out hits and damaged components that are easy to pass by, and can agree the measurements on the spot. It is much easier to add an item standing next to it than to argue for it later from photos.

After the visit

The adjuster writes an estimate, usually in Xactimate, listing every item and quantity. Once your carrier has everything it needs, Texas law generally gives it fifteen business days to accept or deny the claim, extendable in some cases. Read the scope against the roof. Items that were missed can be added through a supplement backed by photos and measurements.