A roof inspection is your chance to understand the real condition of your roof. These questions help you get clear, useful answers.
By the numbers
- Hail 1 inch or larger is classified as severe by the National Weather Service, but IBHS found repeated smaller hail can also strip granules and weaken shingles.
- Ask whether your policy is actual cash value or replacement cost: on Tennessee’s regulator example, a $10,000 roof claim paid $6,500 on actual cash value versus $10,000 on replacement cost.
Questions about the roof’s condition
- What damage did you find, and where is it?
- Is it from a storm, or from normal aging and wear?
- Can I see photos of the damage?
- How much life does this roof have left?
Questions about next steps
- Do you recommend repair or replacement, and why?
- What will the work cost, and what’s included?
- Is there damage to the decking, flashing, or ventilation?
Questions about insurance
- Is the damage likely above my deductible?
- Do you think filing a claim makes sense?
- Can you be present when the adjuster inspects?
- Does my policy pay replacement cost or actual cash value, and how does that affect me?
Questions about the contractor
- Are you licensed and insured?
- What warranties come with the work?
- Who will be my point of contact during the project?
Ready to get answers about your roof? Schedule an inspection.
