Most homeowners searching this phrase are really asking one of two things: “how do I get my roof looked at for a claim?” or “the adjuster is coming Thursday — what should I expect?” This page answers both, in the order they actually happen, for Maryland.
This trips people up constantly. An “insurance roof inspection” is not a single event:
The contractor does not decide what is covered. The adjuster does not decide how your roof gets built. Keeping those two roles straight is most of what makes a claim go smoothly.
Filing a claim on a roof that turns out to have ordinary wear rather than storm damage is not free. It puts a claim on your CLUE record whether or not it pays out. So the first move is finding out what is actually up there.
A proper contractor inspection covers:
How long it takes: roughly 45 to 90 minutes on a typical DMV single-family roof, longer on steep or cut-up roofs like the older Tudors around Bethesda and Chevy Chase.
What you should walk away with: dated photographs, not adjectives. If a contractor tells you that you have hail damage but cannot show you a photograph of it with a date on it, you do not yet have documentation — you have an opinion.
An adjuster is answering one narrow question: was this damage sudden, accidental and caused by a covered peril? Not “is this roof old,” and not “does this homeowner deserve a new roof.”
Generally supports a claim:
Generally does not:
Adjusters commonly use a test square — a marked 10′×10′ area on a slope — and count impacts inside it. Carriers typically require a threshold number of hits within that square before they will call a slope damaged. This is why a roof can genuinely have hail damage and still not meet a carrier's threshold.
You are entitled to have your contractor present when the adjuster inspects. It is worth arranging. When both parties are on the roof at the same time, a disagreement about whether a given shingle is creased or merely lifted gets settled in thirty seconds with both people looking at it. When they inspect separately, the same disagreement becomes three weeks of correspondence and a supplement.
What to have ready:
We inspect your roof, document what is there with dated photographs, provide a scope of repair, and meet your adjuster on site. That is the full extent of our role in a claim, and it is deliberate.
We are a roofing contractor, not a public adjuster. We do not file, negotiate, adjust or settle claims on your behalf. In Maryland, doing that for compensation requires a public adjuster license that roofing contractors do not hold. A roofer who offers to “handle your claim” or “negotiate with your adjuster” is either unlicensed for that work or describing it loosely — either way it is worth asking about.
Your deductible is yours. On an approved claim you are responsible for your deductible, and no contractor may lawfully pay, waive, rebate or absorb it. In Maryland this is explicit: it is a fraudulent insurance act under Md. Insurance Article §27-407.2. It is prohibited conduct, not a discount. An offer to “cover your deductible,” “work with your deductible,” or “build it into the price” is an invitation to commit insurance fraud with your name on the claim.
Your insurer decides coverage. Not us. We can tell you what is on your roof and show you the photographs; we cannot tell you what your carrier will approve, and we will not promise you an outcome we do not control.
It can, and a weather-related claim is treated differently by different carriers. This is a question for your agent, not your roofer — we are not licensed to advise you on your policy. It is a genuine reason to get the roof documented before deciding whether to file.
That happens, and it is not automatically the end. You can request a re-inspection, and most carriers will send a different adjuster or a senior reviewer. Come to it with specific photographs and slope locations, not a general disagreement. See what your options are after a denial in Maryland.
Sooner is better, for two reasons. Policies contain prompt-notice provisions, and a delay long enough to let a small opening cause interior damage can shift that secondary damage into the “failure to maintain” exclusion. You do not have to file immediately — but you should know what you have.
After a significant hail or wind event, yes. Wind creasing and hail bruising are specifically the damage types that are invisible from the driveway and leak months later, after the claim window has closed.
Free inspection, dated photo report, yours to keep whether or not you file — and whether or not you hire us.
Book My Free Inspection →A guide can only give you ranges. A 20-minute inspection gives you the actual number for your roof, in writing, with a full photo report you keep either way — whether or not you hire us.
30 seconds. A real person confirms within one business hour (8am–7pm).
