Get the damage measured against your deductible before you call the insurer. A claim you barely recover on still goes on your record and can affect renewal.

Ask the roofer to document with photos and a chalked test square. Include the garage door, gutters, siding, screens and window frames – all are claimable and all are routinely omitted when only the roof is inspected. A contractor offering to cover your deductible is proposing to misrepresent the loss, and it is your name on the claim.

More on this

• Two or three layers of shingle already on the roof
• Plank decking with gaps between the boards
• Rust streaks below the chimney flashing
• Wood shingle under the asphalt
• No ridge vent and no soffit intake
• Valley metal rusted or missing
• Masonry chimney needs work
• Sagging visible along the ridge line

---

Written by Jaylan Jones. I Like To Exterior Services earns a referral fee when a call connects to a contractor. See our business-model disclosure.