As a homeowner, you may be concerned about the insurance adjuster’s inspection and whether or not you need to be present. The answer is that it’s not always necessary to be home during the inspection, but it’s always a good idea to have someone representing you at the inspection.
It’s best to have your contractor present during the inspection. Your contractor can represent you on the roof while you’re free to be at work or wherever you need to be. They can also provide any necessary information about the damage, and they can discuss the roof repair process with the adjuster.
If you can be present during the inspection, it’s a good idea to do so. You can ask the adjuster questions about the damage, the claims process, and any other concerns you may have. You can also provide any additional information that may be relevant to the claim.
It’s important to remember that the insurance adjuster is there to assess the damage and create an estimate for the cost of repairs. They are not there to represent you or your interests. They work for the insurance company, and their goal is to assess the damage and make sure the repairs are covered by the policy.
After the inspection, the adjuster will create an estimate of the cost to repair the damage. This estimate will be used by the insurance company to determine the amount of the claim. The insurance company will then send a copy of the estimate to the homeowner and the contractor.
If the homeowner and the contractor believe that the estimate is not sufficient to cover the repairs, they have the right to request a second inspection. The second inspection will be conducted by a different adjuster, and they will reassess the damage and create a new estimate.
While it’s not always necessary to be present during the adjuster’s inspection, it’s a good idea to have someone representing you at the inspection. It’s also important to have your contractor present during the inspection, as they can provide valuable information about the damage and the repair process. Remember that the insurance adjuster works for the insurance company, and their goal is to assess the damage and make sure the repairs are covered by the policy. If you have any concerns about the claims process or the estimate, don’t hesitate to ask questions and request a second inspection if necessary.