I was wondering how an adjuster determines what caused the damage to a roof ?
We had a freak rain storm and it caused my roof to leak considerbly, causing water damage in my kitchen. I don't know the age of my roof, however, when I purchased my home, 1 year ago and it was inspected, the inspection report stated the roof was in good condition.
An adjuster is coming to my home on Wednesday to access the damage. However, he told me it would only be covered if there was visual damage to the roof and there is not any visual damage. For example, some shingles missing, etc. Caused by hail or wind. A severe rain storm doesn't count?
My dilema is, I feel they should pay the claim since I have never had any problems with storms before in the past. I am afraid they will say it is not covered due to the roof being older or not seeing any visual damage....
Any suggestions would be greatly appreciated thanks!