What this site is for
What you record before the repair is what the claim rests on
Dated photographs taken before any repair are the evidence the whole claim rests on.
The adjuster estimate is an opening position
It is a document produced quickly from a limited inspection. Missing line items are normal and can be supplemented.
Deadlines are real and they are short
Notice periods, proof of loss and suits limitation clauses all run on the clock, and missing one ends the claim.
About this reference
A process, not a fight
Most roof claims are not denied out of malice. They are underpaid because nobody on the owner's side read the estimate line by line.
This site teaches you to read it.
We are not public adjusters and we are not lawyers. Where you need one, we say so and tell you how to find one licensed in your state.
Read our methodologyThe pillars
Where to start
Most read
The guides opened most, and the ones we update most often.
The documentation checklist
What to photograph, what to write down and what to keep, from the storm to the final payment.
See what goes in a damage report- Dated wide and close photographs
- Weather report for the loss date
- Policy declarations page
- Every call logged with a name
- Adjuster estimate, line by line
- Contractor scope and invoices