The Adjuster Said It Wasn't Wind Damage – Here Is The Proof You Need

What do you do when an insurance adjuster denies wind damage on part of a roof but approves another slope? In this video, I break down a real roofing insurance claim where the adjuster denied the rear slope, refused to reimburse for tarping and an ITEL report, and claimed the observed damage was not consistent with wind damage. Instead of immediately arguing with the adjuster, I look for something different: facts versus opinions. If an adjuster says the damage wasn't caused by wind, what evidence supports that conclusion? If they didn't inspect underneath the tarp, how was that determination made? And if they believe the damage wasn't caused by wind, what do they believe caused it? Those questions can completely change the conversation. I also break down the homeowner's duty to mitigate further damage, how I would approach reimbursement for an ITEL report, and why contractors need to understand the difference between collecting evidence and simply arguing their position. A lot of difficult roof insurance claims don't need a longer argument. They need better communication. That's exactly why we built Gladstone. Gladstone helps roofing reps handle the second job that came with insurance restoration: reading adjuster emails, comparing estimates, identifying missing line items, and drafting responses based on the facts of the claim. You review it. You send it. Done. Learn more about Gladstone: https://gladstone-ai.com CHAPTERS 0:00 The Facebook Post & Insurance Email 0:17 Analyzing the Tarping & Duty to Mitigate 1:36 Deconstructing the Wind Damage Denial 4:19 The ITEL Issue & Reimbursement Strategy 5:39 Communication Strategy: Asking the Right Questions If you've got a roofing insurance claim or adjuster response you want me to break down, put the situation in the comments. It might become the next video. Subscribe for weekly videos on roofing insurance claims, adjuster communication, claim strategy, and the methods I use to help contractors handle difficult files. Disclaimer Chris Zimmerman is a roofing contractor, not a licensed public adjuster, insurance agent, or attorney. The questions and communication strategies discussed in this video are examples of how a contractor can ask an insurance adjuster to complete their own investigation and explain their own decisions they are not interpretations of policy language, coverage determinations, or claims advocacy performed on a homeowner's behalf. Nothing in this video constitutes public adjusting services, insurance advice, or legal advice, and no attorney-client or public-adjuster relationship is formed by watching this content. What any specific policy owes for, covers, or excludes depends on its exact language and the facts of the individual claim. Homeowners with questions about their coverage should consult their insurance carrier, a licensed public adjuster, or an attorney. Contractors are responsible for ensuring their own communications with adjusters and homeowners comply with their state's licensing laws regarding the unauthorized practice of public adjusting. #Roofing #InsuranceClaims #RoofingContractor