What Not to Say to an Insurance Adjuster
Storms can cost Pennsylvania homeowners millions in roof damage every year. But what you say during an insurance claim can impact the outcome more than you might think.
When speaking to an adjuster, avoid admitting fault or speculating on the cause. Stick to the facts and let your contractor or inspector handle technical terms. Most importantly, don’t say, “It’s not that bad”—this could be used to justify a lower payout.
In this guide, we’ll walk you through Navigating Roof Insurance Claims in Pennsylvania: A 2025 Homeowner’s Guide, covering key tips to avoid costly errors.
How to Make a Successful Roof Leak Insurance Claim
Filing a successful claim for roof insurance claims starts with thorough documentation and partnering with a trusted roofing contractor.
Step 1: Assess Damage—Safely
Check for visible signs of damage like:
- Missing shingles
- Leaks or water stains
- Debris or fallen branches
Never climb onto your roof. Instead, schedule a roofing inspection for insurance with professionals like Malick Brothers Exteriors. Their trained team will safely document everything with photos and written reports.
For more on what to look for after storms, see The Impact of Recent Thunderstorms on Pittsburgh Roofs: How to Assess and Address Damage.
Step 2: Understand Your Policy
Before filing, understand:
- If your policy covers storm-related incidents (wind, hail, tree impact)
- Your deductible
- Whether your plan pays actual cash value (ACV) or replacement cost value (RCV)
- Any exclusions for age or wear and tear
Policies can vary widely, so it’s critical to ask your provider questions upfront.
Step 3: File Promptly
Time is critical. Call your provider and have the following ready:
- Date and cause of damage
- Photos and contractor inspection report
- Any notes or videos from the event
Delays can lead to denied claims or reduced payouts.
Will Home Insurance Cover a 15-Year-Old Roof?
Maybe. Many policies reduce or deny coverage for older roofs, especially if damage is attributed to age or lack of maintenance.
However, if a recent storm caused the damage, it may still be covered—especially if you can provide proof of regular maintenance and clean inspection records.
If your roof is nearing or over 15 years old, consult with your contractor and insurance agent to assess the risks.
Is It Worth Claiming Roof Damage on Insurance?
This depends on the scale of damage and your deductible. Minor damage that costs less than or slightly above your deductible may not be worth filing.
But for more significant damage, like post-storm repairs or a full storm damage roof repair, the answer is almost always yes.
You may also want to consult legal experts if you’re unsure whether to proceed. Tighe P.A. offers helpful insights into when and how to file a claim.
Navigating Roof Insurance Claims in Pennsylvania: A Homeowner's Guide
Once your claim is in, your insurer will assign an adjuster. It’s wise to have your roofing contractor on-site during their visit to:
- Ensure nothing is missed
- Explain technical damage
- Push for a fair estimate
Malick Brothers can represent your interests throughout this process, ensuring your claim reflects the true scope of the damage.
Navigating Roof Insurance Claims in Pennsylvania: A 2025 Homeowner’s Guide to Finalizing the Claim
When the adjuster submits their report, you’ll receive an estimate. Compare this with your contractor’s quote. If coverage seems short, your contractor can help submit a supplement request.
After approval:
- Sign the contract
- Schedule the work
- Save all invoices and final reports
Submit final documentation to your insurer for reimbursement. And keep copies of all communications for your records.
Navigating Roof Insurance Claims in Pennsylvania: A 2025 Homeowner’s Guide to Avoiding Claim Denials
Even a valid claim can be denied if steps are missed. Common pitfalls include:
- Failing to report damage promptly
- Inadequate documentation
- Using non-certified contractors
Hiring a qualified, licensed roofer and keeping clear records at every stage reduces your risk.
Your Next Steps with Malick Brothers Exteriors
Call Malick Brothers Exteriors at 412-616-0191 or contact us online to schedule your free quote today.
