"Insurance roof inspection" can mean two very different things. Knowing which you need — and which the carrier is offering — changes the outcome of your claim.
Insurance-hired vs independent
Insurance-hired: The adjuster inspects, or the carrier sends a third-party firm they contract with. The scope reflects what the carrier will pay for.
Independent: You hire the inspector. The scope reflects what your roof actually needs. Reports become negotiating documentation.
When to use each
- Small claim, straightforward damage: Adjuster's inspection is usually fine.
- Denied claim, disputed scope, or "cosmetic damage" language: Get an independent inspection before appealing.
- Old roof + fresh storm: Independent inspection first, always. Carriers love to blame pre-existing wear.
- Total loss valuation dispute: Independent inspection is essential.
What a defensible independent report contains
Storm date correlation, code-of-repair references, functional damage documentation (not just cosmetic), matched-shingle discontinuation research, and an independence disclosure. That is what a public adjuster or attorney needs to appeal.
Book an independent inspection
Detailed insurance-ready reports at /professional-roof-inspection or the adjuster prep guide at /adjuster-prep.