And How To Avoid Them!
Dealing with insurance companies is one of the toughest parts of owning and running a roofing business. Many roofers find the process slow, frustrating, or confusing. If things go wrong, it can delay jobs, reduce payouts, or leave your customers unhappy. Understanding how to work effectively with insurance adjusters and claims teams isn’t just smart business, it protects your margins and your reputation. So how can you avoid simple missteps that can cost you time and money? Here are some of the most common errors contractors make when navigating insurance claims, with practical tips you can use on every job.
- Not Taking Control Of The Inspection.
A big mistake roofers can make is assuming the insurance adjuster will find every issue on their own. That’s not how claims work. The homeowner and the contractor are responsible for proving the loss and documenting damage thoroughly. Adjusters are not obligated to seek out every problem, and they review what you show them. Be proactive in the inspection. Point out the damage you’ve identified and explain why it matters.
If you let the adjuster take the lead without your input, you give up your expert advantage. You should be prepared to guide the conversation and highlight all relevant issues.
- Failing To Document Everything.
Good documentation is the backbone of a solid claim, and that doesn’t mean relying solely on the adjuster’s photos and notes. If you aren’t capturing detailed records yourself, important evidence may never make it into the official claim file.
When you’re onsite, take thorough notes and photos of every damaged area.
Use a systematic approach with clear images from multiple angles and include written details about what each photo shows. After the inspection, send your documentation and notes to the insurer or the homeowner right away so nothing gets missed.
- Not Getting Clear Confirmation From Adjusters.
Too often roofers assume they and the adjuster are aligned on what needs to be covered. Never leave without explicitly confirming agreement on repair scope and compensation. Without written or verbal confirmation, adjusters may forget to include items discussed on site, or the claim may be processed with gaps.
Recap the key points of the inspection before you leave and ask the adjuster to confirm approvals via email. If they resist, have the homeowner request it. Clear documentation of agreement protects your company and ensures nothing is overlooked.
- Weak Or Misleading Photos.
Photos are one of the most powerful tools you have when substantiating a claim, but poor images can actually hurt your case. One straight-on shot rarely tells the full story of hail dents or surface damage.
Follow a three-shot method: first, a context photo showing where the damage is located on the structure; next, close-ups that focus tightly on the damaged area; and finally, perspective shots that show depth and dimension. These give adjusters the full visual story and reduce the need for follow-ups.
- Skipping Reinspection Requests.
Even with excellent documentation and a solid presentation, sometimes claims get denied. If that happens, don’t be afraid to ask for a reinspection. Many times, an adjuster will change their mind when presented with stronger evidence.
While insurance work can be a headache, there’s no denying it’s a vital part of your success. Putting in the work at this stage will help you secure work at the next, and make sure your customer gets the roof they deserve.
To learn more about Marco, visit www.MarcoIndustries.com. To contact Marco directly, you can email or call 1-800-800-8590.