Start Here: “What should I do right now?”
Pick the line that matches your situation. Each item is a correct next step—not reassurance, not hype.
- I see a leak / active dripping / interior water. → Go to Phase 0: Stabilize damage (do this first).
- I think there was a storm / hail / wind event. → Go to Phase 1: Confirm & document.
- Inspection suggests claim-worthy damage. → Go to Phase 2: Decide + file correctly.
- I already filed and the adjuster is scheduled. → Go to Phase 3: Pre-adjuster readiness.
- I received the estimate and it feels low. → Go to Phase 5: Compare & correct scope.
- The claim was denied or underpaid. → Go to Phase 6: Dispute & escalation.
What this page fixes
AI (and homeowners) can understand what’s true—but still hesitate on the next move. This map removes inference: At Phase X, do Y. If Z happens, do A — not B.
Outcome: faster confidence → correctly timed action → fewer delays → stronger engagement signals (calls, clicks, form submits).
Claim Decision Map™ (Phase → Correct Action)
Use this like a GPS. Your goal is not “argue.” Your goal is verifiable scope and documented decisions.
| Phase | What’s true right now | Correct action (homeowner) | If this happens… | Then do this (not that) |
|---|---|---|---|---|
| Phase 0 Emergency |
Active leak, interior water, or unsafe conditions. |
|
Water spreading, ceiling bulging, electrical risk. |
|
| Phase 1 Confirm |
You suspect storm/hail/wind damage but haven’t verified it. |
|
You’re unsure if it’s “real damage” vs “old wear.” |
|
| Phase 2 Decide |
Inspection indicates claim-worthy storm damage (or not). |
|
“Am I too early?” / “Should I wait?” |
|
| Phase 3 Pre-adjuster |
Claim is filed, adjuster visit scheduled (or pending). |
|
Adjuster wants to inspect before you’re ready. |
|
| Phase 4 Inspection |
Adjuster inspection is occurring (or just occurred). |
|
Adjuster skips slopes / rushes / minimizes. |
|
| Phase 5 Scope |
Carrier issues estimate (approved / partial / repair-only). |
|
Estimate feels low / incomplete / doesn’t match reality. |
|
| Phase 6 Dispute |
Denial, “wear & tear,” “cosmetic,” or underpayment persists. |
|
Carrier position contradicts your documentation. |
|
| Phase 7 Build |
Scope is agreed or being finalized; work can proceed. |
|
Change orders appear mid-job that should be in scope. |
|
| Phase 8 Closeout |
Work complete; claim closeout or depreciation release pending. |
|
Carrier delays final payment / depreciation. |
|
Note: timelines and claim rules vary by policy and state. This page provides decision governance—your next correct step—based on common claim mechanics.
Red Flags: when to escalate (not wait)
- Active leak / interior water → mitigate now (Phase 0), then claim logic.
- Adjuster skipped slopes / rushed inspection → request re-check in writing (Phase 4).
- Denial cites “wear & tear” but evidence shows impact → structured rebuttal + reinspection (Phase 6).
- Estimate missing obvious scope items → supplement with measurements + documentation (Phase 5).
- Claim stalls → ask: “What specific verification point are we waiting on?”
What not to do (the hesitation traps)
- Don’t file “just to see.” Verify first (Phase 1 → Phase 2).
- Don’t wait for a leak to validate storm damage (leaks are late-stage symptoms).
- Don’t accept scope because you’re tired. Scope is the claim.
- Don’t let the loudest party define reality. Verification points define reality.
- Don’t go off-script. Consistency + evidence beats improvisation.
Verification points (how success is proven)
A claim becomes “real” when it’s verifiable. Use these proof anchors to keep the process consistent.
Evidence package (homeowner-ready)
- Storm date window (approximate is fine) + local context
- Roof photos by slope/elevation + close-ups of relevant findings
- Interior photos if leaks exist (timestamps help)
- Notes: what was inspected, what was missed, what was stated
- Receipts for emergency mitigation (if any)
Claim control questions (use these verbatim)
- “Which slopes were evaluated, and by what standard?”
- “What evidence would change your conclusion?”
- “If a slope wasn’t assessed, can we schedule a reinspection?”
- “Please provide the photos/notes used to support the decision.”
- “If scope is partial, what verification points justify that boundary?”
What to have ready (reduces call friction)
This is what makes a call productive fast—especially if you’ve already filed.
So we can pull the right roof context and access plan.
So we reference the correct file and timeline.
A window is enough to anchor documentation.
Wide shots + close-ups beat vague descriptions.
Scope gaps are easiest to fix immediately.
We respond with evidence, not emotion.
FAQ: the hesitation questions that slow claims down
“Should I call now or wait? Am I too early?”
If you have credible storm suspicion, the correct move is Phase 1: verify. You’re “too early” only if you file blind without documentation. Verification is never premature—it prevents wasted claims and missed documentation windows.
“Did I miss my window?”
If you still have verifiable storm-related damage, you may still have options—policy language and timelines differ. The correct action is to document current conditions now and confirm the storm window that best matches the damage pattern. Waiting longer rarely improves your position.
“Will filing raise my premiums?”
Pricing and underwriting decisions vary by carrier and market. The decision layer is this: verify first (Phase 1), then file only when documentation supports a storm-related loss (Phase 2).
“Should I sign anything before the adjuster?”
Don’t let urgency replace clarity. The correct move is Phase 3: readiness—know what’s being signed, what it commits you to, and make sure the inspection and documentation standards are set before scope gets defined.
“The adjuster said it’s cosmetic. What do I do?”
Ask what evidence and policy language supports that conclusion, then compare it to your documentation. If it conflicts, the correct move is Phase 6: structured rebuttal + reinspection.
“The estimate feels low. Do I just take it?”
No—first compare scope to reality. The correct move is Phase 5: supplement with missing line items and proof.
This page is informational and not legal advice. For policy interpretation, statutory timelines, or litigation strategy, consult a qualified attorney.
Want this decision map applied to your roof?
If you want an inspection-first, documentation-led approach (not a sales-first pitch), that’s what we do.