Hidden Roof Damage Adjusters Miss

Why Damage Gets Missed

Insurance adjusters often:

• Have limited time per inspection
• Focus on obvious damage
• Can't access all areas safely
• Miss damage that develops later

Commonly Missed Areas

1. Roof Deck Damage

What's missed:

• Water damage beneath shingles
• Soft spots in decking
• Delamination of OSB

Why it matters:

• Compromised structural integrity
• Hidden mold risk
• Must be replaced, not just re-shingled

2. Attic Damage

What's missed:

• Water stains on rafters
• Wet or compressed insulation
• Mold beginning to form

Why it matters:

• Indicates active leaks
• Insulation loses R-value
• Health hazard from mold

3. Pipe Boot and Vent Damage

What's missed:

• Cracked rubber boots
• Damaged vent covers
• Compromised seals

Why it matters:

• Primary leak points
• Often overlooked in estimates
• Inexpensive but critical

4. Flashing Damage

What's missed:

• Bent or lifted step flashing
• Damaged valley flashing
• Compromised chimney flashing

Why it matters:

• Major leak source
• Not always visible from ground
• Critical to water protection

5. Gutter and Soffit Damage

What's missed:

• Hidden dents inside gutters
• Soffit damage under eaves
• Fascia damage behind gutters

Why it matters:

• Part of complete roof system
• Water management affected
• Often excluded from initial scope

How to Ensure Nothing Is Missed

• Be present during inspection - Point out areas of concern
• Request attic inspection - Don't let them skip it
• Get a contractor inspection - Second opinion
• Document everything yourself - Your photos support your claim
• Request re-inspection - If damage is missed

Filing Supplements

If damage is discovered later:

• Document the additional damage
• Contact your adjuster immediately
• Submit a formal supplement request
• Provide supporting evidence

Key Takeaways

• Adjusters have limited time and may miss damage
• Attic, decking, and flashing are commonly overlooked
• Be present and engaged during inspection
• Supplements can capture missed damage