Three roofers wanted $32k after the June hailstorm. Roof Doctor NM walked the roof, took 84 photos, and said the hail was cosmetic. Saved me from a fraudulent claim.
Sarah K.Albuquerque · Nob Hill
Free printable prep sheet
Meeting your insurance adjuster? Bring this.
Your one shot to document a hail or wind loss well is the adjuster's inspection. This is the exact checklist I hand NM homeowners before their carrier shows up — organized before / during / after, with the scope items adjusters most often forget.
Before the visit (48–72 hours out)
Get your evidence lined up
During the inspection
Walk the roof with them
After — supplement or dispute
Close the gap between scopes
Scope items adjusters miss most
Line items to demand
These are almost always required by NM code or manufacturer spec, but they're the first things a lowball estimate leaves out.
Ice & water shield
Required at eaves, valleys, and penetrations per NM 2018 code amendments.
Drip edge
Required on eaves and rakes. Often omitted on older policies.
Starter strip
Manufacturer-required for warranty. Not a 'bonus.'
Ridge cap shingles
Priced separately from field shingles. Verify LF count matches your roof.
Step & counter flashing
New at every wall termination and chimney. Reuse voids warranty.
Pipe boots
Replace, don't reuse. NM UV destroys neoprene in ~10 years.
Ventilation upgrade
If existing NFA is below code, upgrade is claim-eligible.
Detach & reset
Solar, satellite, gutters, snow guards — labor line, not free.
Debris removal & dumpster
Real cost. Should appear as a separate line item.
Next step
Adjuster coming this week? Text me your policy and I'll flag what to watch for.
Book the free on-site inspection, or send a photo and we'll tell you what to do next. No sales pitch — we don't install roofs.
Adjuster-day questions
- Yes — or have James there. Adjusters walk fast. A second set of eyes with a test-square count and photo log prevents 'insufficient damage' denials that could have been contested on the spot.
- You have 60 days in NM to request re-inspection with new evidence. That's exactly what the Expert/Litigation tier report is built for — HAAG methodology, directional damage evidence, and Xactimate-formatted line items.
- No — that requires a public adjuster license. We document the roof; you (or your PA/attorney) handle the carrier. We can text your PA a copy of the raw photos and code refs same-day.