I have wind caused roof damage on half of the slopes of my home. I have replacement or repair policy, but my roof shingles are no longer available. The roof is 10 years old. The shingle manufacture is no longer in business. What can I expect from an insurance adjuster when he inspects my damage?

i have wind caused roof damage on half of the slopes of my home. i have replacement or repair policy, but my roof shingles are no longer available. the roof is 10 years old. the shingle manufacture is no longer in business. what can i expect from an insurance adjuster when he inspects my damage?


A lot is going to depend on your policy and your relationship with the insurance company. I had storm damage to the gutters on my house 2 years ago and the company replaced ALL the gutters and downspouts. My neighbor had the same coverage, pretty much the same damage - and her company replaced only the damaged sections.

If you don't think you are getting what your policy requires (replacement or repair, that's the language) hire an independent adjuster. They work miracles.

Judy is totally correct, coverge will vary depending on the company so be very nice to their adjuster. They are not usually obligated to replace an entire roof when only one side is damaged. When the adjuster comes make sure he/she is aware of your concern about shingles matching. You should not have to settle for a repair that looks patched, they need to make you whole but not better.

[QUOTE=Comments on this post
jwhitlaw agrees: it is a good ans. i was hoping to find out if adjusters use guidelines..[/QUOTE]


I also think a good argument can be made for half of the roof already blowing away and maybe the other half will blow away next time so maybe the whole roof should be replaced - said kindly, with a smile.

Good point, some adjuster will actually go for that. My big willow lost its top half in a tornado and landed 15' over the line stuck in my neighbors garage roof like a pitch fork. I called my insurance, they told me the tree left my property, and their obligation, by an act of God and was now my neighbors property and responsibility. His company agreed and gave him cash for a whole new roof even though only on slope was damage. Of course he then promptly hired me to replace 3 sheets of ply and 4 squares of shingles. All on the up and up according to his adjuster.

Also many of the larger roofing companies have their own inspectors who often meet with and help show the adjustor why it needs to be replaced