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.
Get your evidence lined up
Walk the roof with them
Close the gap between scopes
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.
Required at eaves, valleys, and penetrations per NM 2018 code amendments.
Required on eaves and rakes. Often omitted on older policies.
Manufacturer-required for warranty. Not a 'bonus.'
Priced separately from field shingles. Verify LF count matches your roof.
New at every wall termination and chimney. Reuse voids warranty.
Replace, don't reuse. NM UV destroys neoprene in ~10 years.
If existing NFA is below code, upgrade is claim-eligible.
Solar, satellite, gutters, snow guards — labor line, not free.
Real cost. Should appear as a separate line item.
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.