You’ve had a storm. Now you need an inspection. Here’s what actually happens.
What a Contractor Inspection Covers
A licensed roofing contractor inspecting for storm damage will assess:
The roof surface: Shingle condition across all planes, impact marks, bruising and granule loss, cracked or split shingles, lifted or unsealed shingles.
Metal components: Ridge cap, all flashing (chimney, skylights, vents, walls), drip edge and rake edges, pipe boot seals.
Gutters and drainage: Granule accumulation (storm evidence), physical dents or separation, downspout condition.
Attic (if accessible): Decking for moisture intrusion or daylight, insulation for water damage, ventilation components.
Surrounding structure: Siding, window screens, A/C components — any secondary damage evidence.
A thorough inspection takes 30-60 minutes. The contractor photographs everything and prepares a written report documenting damage found and whether it meets the threshold for a covered loss.
What an Insurance Adjuster Looks For
Adjusters use Xactimate estimating software. They measure impacts per square, assess shingle age and condition, check metal components for hail evidence, and compare damaged areas to protected areas to establish a storm event.
Why You Want Both
Having your contractor present during the adjuster’s inspection significantly affects outcomes. Contractors point out items adjusters might overlook — particularly flashing damage, granule loss patterns, and code-required upgrades.
Free storm damage inspections are standard in the industry. Any contractor charging for an initial storm inspection is not following normal practice.
Atlanta Roofing Experts provides free storm damage inspections across all of metro Atlanta and outlying areas — including same-day response. Book your inspection → # ARTICLES 11-25: INSURANCE & REPLACEMENT