6/19/2020 WHAT DOES AN ADJUSTER LOOK FOR WHEN EXAMINING A PROPERTY AFTER A STORM?

- Cenco Building Services Blog

The following list provides six (6) signs of damage that indicates repair or replacement is warranted:
1. Excessive granule loss: While granule loss alone, even in large amounts, does not justify repair or
replacement, it signals that the lifetime of the roof may have been compromised.
2. Missing and/or damaged shingles: A requirement for covered peril damage is that the functional utility of a
shingle has been diminished on the roof’s surface, either from hail (ruptured matting) or wind (missing or
broken shingles).
3. Dented vent housing: The metal roof vents, also referred to as box or turtle vents, may have sustained dents,
which are used to demonstrate the size and frequency of hail for claims.
4. Damaged gutters: Similar to excessive granule loss, damaged gutters provide an indication of the size,
frequency and directionality of hail and indicates compromised functional utility.
5. Collateral Damage: Other items on the exterior of the structure will also be examined and documented,
including damage to paint, trim, HVAC units, windows, screens, fences and personal property. The goal is to
establish and document credible signs that explain to the claims department of the insurance carrier the
nature and extent of damage at your property.
6. Signs of leaks: An adjuster will look for signs of leaks, such as peeling exterior paint under roof eaves, curling
or buckling of shingles, damaged or rusted flashing, and roof rot. You may also notice leaks on the interior
ceiling that will present as dark spots which may or may not be accompanied by peeling interior paint.

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