> Take the video of the damage immediately and through your own app. ... You can also refuse to pay for any damage unseen in the video. A good adjuster—especia

> Take the video of the damage immediately and through your own app. ... You can also refuse to pay for any damage unseen in the video. A good adjuster—especially an independent adjuster—is actually incentivized to find and pay for related damage. Not only does this (marginally) increase their billable, but it also leads to happier insureds and reduces the possibility of a subsequent claim (since those take time and money to handle—plus your deductible is per loss not like medical insurance where it's per year). > This means that users will typically repair stuff 'on the cheap', rather than using very expensive repair/rebuild services that they'd use if they knew for sure insurance would be paying. Except that, depending on the policy and the roof type, you may or may not be able to do that. We've seen entire roofs have to replaced due to aging or lack of the same material. Granted, it's not all policies, but it does happen. You can't get the same material due to age of it. Or the manufacturer went out of business. Or you find someone who does the work right and they find MORE damage than the adjuster originally found which requires a supplement. People like to crap on insurance companies but I've seen them pay for absolutely STUPID stuff that they likely had no reason to pay for... but they did.