What Is a Reinspection?

After the first inspection produces an estimate or a denial, the homeowner or contractor can ask the insurer to send an adjuster back. The request goes through the claim representative, in writing where possible, and names what the first visit missed. The carrier may assign the same adjuster, a different one, or an engineer, and whether it agrees is its own decision, though many carriers have a standard process for it.

On the day, preparation does most of the work. A contractor attending with the homeowner’s permission usually brings photos, slope-by-slope notes, test square counts, measurements, and weather information for the storm date, then walks the adjuster through each point on the roof. Sales reps often schedule it and keep the homeowner informed, so they need to explain that the meeting is a review of evidence, not a haggle over price.

Reinspections work best when they bring something new. Repeating the same argument to the same adjuster rarely changes a result, while fresh photos or a slope that was never examined sometimes do. The outcome can be a revised estimate, the same estimate, or a request for an engineer, and nobody on the roofing side controls which. Contractors should also stay inside the line their state draws between describing roof damage and negotiating the claim for the homeowner.