How do I Document Wind-blown Roofing for an Insurance Adjuster?

To document wind-blown roofing effectively for an insurance adjuster in Louisiana, you should focus on gathering professional evidence and detailed photographic records that align with industry standards.

Collect Comprehensive Photographic Evidence

Documentation is the anchor of your claim. Before any repairs occur, capture the following:

  • Overall Property View: Photograph the entire roof from all sides and the surrounding area to show context, such as downed limbs or debris.
  • Close-up Damage: Take clear photos of missing, blown-off, or displaced shingles, as well as lifted edges and flashing.
  • Functional Damage: Document signs of creasing or cracking in shingles and check gutters for excessive granules, which can indicate wind-related abrasion.
  • Scale and Time: Use date stamps on all photos and place a ruler or common object near damaged areas to provide scale.

Utilize Professional Inspections

Insurance adjusters prioritize documentation that meets National Roofing Contractors Association (NRCA) standards. A certified contractor can provide:

  • Standardized Reports: Professionals generate detailed photo dossiers and narrative reports that identify code-related repairs and manufacturer requirements.
  • Hidden Damage Assessment: Tools like infrared sensors can detect moisture intrusion or underlayment issues that are not visible to the naked eye.
  • Adjustment Support: Having your contractor present during the adjuster’s on-site visit allows them to point out specific wind-blown damage that might otherwise be overlooked.

Maintain Temporary Repair Records

While you should avoid permanent repairs until after the inspection, you must protect your property from further loss. Save all receipts and take photos of any temporary measures, such as tarping, to include in your evidence package.


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