What should I expect for my Insurance Adjuster Meeting.

You're in good hands with an expert from PRQ to guide you through the inspection.

When you’re dealing with storm damage, the initial meeting with your insurance adjuster is a key step toward getting the coverage you need—especially for your roof. Here’s what to expect from that visit and how to be prepared.

Focus Area: The Roof Inspection

The roof is often the first and most important component assessed after a storm. High winds, hail, and flying debris can cause significant damage that isn’t always visible from the ground. During the adjuster’s inspection, they will:

• Inspect shingles for bruising, cracking, or missing sections

• Look for hail strikes or wind creases

• Assess the condition of flashing, vents, and roof penetrations

• Evaluate soft metal surfaces (like gutters or roof vents) for impact marks

• Check for any signs of water intrusion inside the attic or ceilings

This inspection will help determine whether your roof qualifies for full replacement or if spot repairs are sufficient under your policy.

What Else Gets Inspected?

While the roof is the main concern, a comprehensive storm damage claim includes all parts of your property. Most adjusters will also inspect:

• Gutters and Downspouts

  To check for dents, separations, or functional damage caused by hail or wind.

• Siding and Paint

  Look for chips, cracks, or discoloration on siding and exterior walls.

• Windows and Screens

  Broken panes, torn screens, or dented frames may be part of your claim.

• Fencing

  Especially with wind damage, fences can be warped, blown over, or damaged by debris.

• Decks and Porches

  Exposed wood surfaces may show impact damage or moisture penetration.

• Air Conditioning Units

  Outdoor units are often dented or damaged by hail.

• Sheds and Outbuildings

  Detached structures are usually covered if they’re listed on your policy.

• Interior Damage

  If there’s evidence of water leaks, the adjuster may inspect inside the home to evaluate damage to ceilings, walls, or insulation.

Tips for a Smooth Inspection

• Have our Claims Professional present for expert advocacy of your claim. 

• Have a list of areas you’ve noticed damage so nothing gets overlooked.

• Don’t make repairs before the inspection unless it’s necessary to prevent further damage—and document everything if you do.

• Ask questions during the visit. Understanding the adjuster’s findings can help you through the rest of the claims process.