Megan called us June 19, three days after the storm. The adjuster had been out, offered $2,400 for a partial repair on the south slope. She felt like she was being lowballed. Here's exactly what happened next.
Week 1: Ask about our free inspection
We walked all four slopes with chalk and a camera. Marked every hail bruise inside a 10x10 ft test square — the industry standard. Found bruise density above the code-required threshold on three of four slopes. Photos, GPS-tagged, with a typed report.
Week 2: The re-inspection with the adjuster
We met the adjuster on the roof — not in the driveway. Walked the test squares together. Showed him the cracked vent caps, the AC fin damage, the granule loss. He revised the scope on the spot.
Week 3: Supplement and approval
We submitted a Xactimate supplement that included code-required ventilation upgrades, matching gutters, and ice & water shield. The carrier approved it within 6 business days.
Week 5: Roof installed in 2 days
Megan paid only her $895 deductible. Final scope: full GAF Timberline HDZ roof, balanced ventilation, new gutters. From doorbell to keys-in-hand: 34 days.