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How Do Adjusters Inspect Hail Damage on a Roof?

Last updated October 31, 2026

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The short answer

What Adjusters Look For

When an adjuster inspects a roof after hail, the focus is on visible impact marks. Hail leaves distinct dents on metal, asphalt shingles, and tiles. The adjuster checks for cracked or missing shingles, exposed underlayment, and granule loss on asphalt shingles, which can shorten the roof's life.

The adjuster also examines roof penetrations like vents, skylights, and chimneys. Flashing around these areas can be damaged by hail, leading to leaks. Gutters and downspouts are checked for dents or blockages from debris. The goal is to document all visible damage so the claim can be assessed fairly.

  • Dents on metal flashing or vents
  • Cracked or split asphalt shingles
  • Granule loss on shingle surfaces
  • Impact marks on gutters and downspouts
  • Exposed underlayment or bare spots
  • Damage to skylights or roof curbs

How the Inspection Process Works

The adjuster typically starts by walking the roof's perimeter and then moves across the surface, looking for patterns of hail impact. They may use a ladder to access the roof, and in some cases, they might use binoculars or a drone to inspect steep or unsafe areas. The inspector takes photos and notes the location and extent of each damaged spot.

Measurements are taken to estimate the affected square footage. This helps in calculating repair or replacement costs. The adjuster may also check the attic for water stains or light coming through the roof, which indicates existing leaks. The entire inspection usually takes an hour or two, depending on the roof's size and complexity.

If the roof is too steep or damaged to walk safely, the adjuster may rely on a visual inspection from the ground or use a ladder to get a closer look. In any case, the adjuster records findings in a report that supports the claim decision.

What to Do Before the Adjuster Visits

Before the adjuster visits, clear debris from the roof and yard, but do not attempt repairs. Take your own photos of the damage from the ground and from windows, if possible. This helps you track the condition and can be useful for your own records.

If you have already taken steps to prevent further damage, such as placing a tarp over a leak, keep receipts and documentation. The adjuster will want to see that you acted responsibly to protect the property. Also, have any prior roof repair records or warranties ready, as they might be relevant to the assessment.

After the Inspection: Next Steps

Once the inspection is complete, the adjuster submits a report to your insurance company. The report includes photos, measurements, and a description of the damage. Your insurer then decides what is covered based on your policy. Policies vary, and your insurer decides what is covered.

You may receive a settlement that covers repairs or replacement, but the amount depends on your policy's terms and the extent of the damage. If you disagree with the decision, you can ask for a re-inspection or provide additional documentation. It is your responsibility to review the report and ensure it is accurate.

If the damage leads to water intrusion, you may need to address roof leaks. Local water damage pros can help with cleanup and drying, and structural repairs may be necessary if the roof deck is compromised.

Common Questions About Hail Damage Claims

Many homeowners wonder if they should file a claim for minor hail damage. Even small dents can lead to leaks over time, so it is worth having the roof inspected by a professional if you are unsure. A roofing contractor can provide a separate damage assessment that you can share with the adjuster.

Keep a written record of any storm events and the date you noticed the damage. This can help establish the timeline. Also, remember that hail storms can occur during wet months, so prompt action is important to prevent water damage.

  • Take photos of all damage before any temporary repairs
  • Save receipts for tarps, materials, or emergency services
  • Check your policy for specific hail and wind coverage details
  • Ask the adjuster for a copy of the inspection report
  • If leaks appear, call local water damage pros for cleanup and drying

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Water keeps spreading into floors and walls, so it is worth acting early. Calls are answered 24/7.

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Frequently asked questions

Will the adjuster climb onto my roof?

Usually, yes, if it is safe. The adjuster may walk the roof to inspect the shingles and flashing. If the roof is steep or damaged, they might use a drone or inspect from a ladder. Always ask the adjuster about their process before the visit.

What if I disagree with the adjuster's findings?

You can request a re-inspection or provide your own documentation, such as photos or a contractor's report. Review the adjuster's report carefully and point out any missed damage. Your insurer has the final say, but you have the right to appeal.

Should I get a roofing contractor to inspect before the adjuster?

It can help, because a contractor can identify damage you might miss. Their report can support your claim. However, do not start repairs before the adjuster sees the damage, unless it is an emergency to prevent further water intrusion.

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