Short answer: When an insurance adjuster visits after a Colorado hail or wind claim, they inspect the roof, take notes and photos, and write a scope for the carrier. Your job is to be present with documentation; a local roofer can meet on site to point out damage. The carrier decides the claim — no contractor controls approval.
You've filed a storm-damage claim. The carrier schedules an adjuster. Now what? A lot of Front Range homeowners only learn this process the hard way — under time pressure, with a door-knocker spinning stories. Here's the calm version.
I'm Nathan Stovall of Upstream Roofers in Parker. We meet adjusters on roofs regularly. We still don't decide claims. The carrier does.
Before the Visit
- Have your claim number and storm date handy
- Keep ground-level photos and any inspection report together
- Clear access if you can (garage code, pets, locked gates)
- Ask your roofer to meet the adjuster on site if you want a technical walkthrough
What the Adjuster Typically Does
They inspect slopes, flashings, and often soft metal (vents, gutters) as corroborating evidence. They photograph what they consider relevant and later write a line-item estimate for the carrier. Some visits are thorough. Some are rushed. Presence and documentation help either way.
Your Roofer's Role (and Limits)
A good local roofer points out damage that gets missed from a hurried pass and provides a detailed written estimate. We do that through insurance documentation. What we never do: promise approval, promise a dollar amount, or offer to waive your deductible (illegal in Colorado).
After the Adjuster Leaves
You'll get a decision and an estimate from the carrier. Compare it to your roofer's scope. Missing items sometimes surface during tear-off as a supplement with more photos. Stay in the loop; keep copies of everything.
Want the full claim map? Read filing a Colorado roof storm-damage claim and how to document hail damage. Ready for a free inspection first? Contact us or call (720) 544-3645.