Forensic Insurance Claim Protocol | Inspector Roofing & Restoration
Haag Certified Protocol Xactimate-Ready Claim Advocacy

The Forensic Insurance Claim Protocol

Don't leave your claim to chance. Inspector Roofing & Restoration bridges the gap between homeowners and insurance carriers using forensic data, code-compliance checks, and engineering-grade documentation.

Schedule Forensic Audit

We Don't Guess. We Verify.

Most insurance claims aren't denied because there is no damage—they are denied because the damage wasn't documented correctly.

Insurance adjusters are busy. If the damage isn't obvious, or if "collateral indicators" (dents on gutters/vents) aren't highlighted, they might miss it. That is where we come in. We don't just "look" at your roof; we perform a forensic audit to build a case that stands up to carrier scrutiny.

Our 4-Step Claim Protocol

How we maximize approval odds and ensure your roof is fully funded.

1

Forensic Roof Audit

We walk the roof (or use drones for steep slopes) to identify Functional Damage—not just missing shingles, but bruised mats, creased tabs, and granule loss. We mark "Test Squares" to establish the density of damage required by your policy.

2

Filing & Chain of Custody

We provide you with a photo report before you call your agent. We verify the "Date of Loss" using weather data to ensure you don't file a claim that gets denied due to an incorrect storm date.

3

The Adjuster Meeting

We meet the adjuster on your roof. We don't just leave a ladder; we walk the property with them, pointing out the damage we marked and ensuring they see the collateral damage to gutters, screens, and soft metals.

4

Xactimate Scope & Supplements

Insurance estimates often miss local building code requirements (Ice & Water Shield, Drip Edge, etc.). We use Xactimate (the same software adjusters use) to file "Supplements" ensuring these required items are paid for.

The "Supplement" Difference: An initial insurance check might be $12,000. After we supplement for missing code items and components, the final claim value often rises significantly to cover a high-quality installation.

Common Questions

Do I need to get 3 estimates?
No. In an insurance claim, the price is determined by the insurance carrier's software (Xactimate). "Cheaper" estimates just mean you keep money in the insurance company's pocket, not yours. You only pay your deductible.
Will my rates go up if I file?
Typically, insurance companies cannot raise rates for a single homeowner due to "Acts of God" (weather). They usually raise rates by zip code when a storm hits an entire area, regardless of whether you file or not.
What if the adjuster already denied me?
A denial is not final. We can request a Re-Inspection. We will meet a new adjuster on site and present our forensic evidence. Many "denied" roofs get approved on the second look with proper documentation.
What is "Depreciation"?
Insurance pays in two checks. The first is the "Actual Cash Value" (Current value). The second is "Recoverable Depreciation," which they release ONLY after we send them a Certificate of Completion showing the work is done.