Who Inspects Your Roof After a Storm: Adjuster or Roofer?

📅 February 19, 2026 ⏱ 9 min read ✍️ NEXT Exteriors

You're standing in your driveway in Sterling Heights after last night's severe thunderstorm rolled through. There are shingle granules in the gutters, a few pieces of flashing in the yard, and your neighbor just mentioned they saw shingles lift during the wind gusts. Now what?

The question we hear constantly at NEXT Exteriors: "Should I call my insurance company first, or should I get a roofer out here?" It's not a simple answer, and getting the sequence wrong can cost you thousands of dollars in uncovered damage or a denied claim.

After 35+ years of handling storm damage claims across Macomb, Oakland, and St. Clair counties, we've seen both scenarios play out hundreds of times. Here's what Michigan homeowners actually need to know about Detroit roofing services after storm damage — and why the inspection order matters more than most people realize.

Understanding the Two Types of Inspections

Let's clear up the confusion right away: an insurance adjuster and a licensed roofing contractor are looking at your roof through completely different lenses. Both inspections are valuable, but they serve different purposes.

The Insurance Adjuster's Job

Your insurance adjuster works for the insurance company. Their primary responsibility is to determine whether the damage is covered under your policy and, if so, how much the company will pay toward repairs or replacement. They're trained in claims processing, documentation, and policy interpretation — but they're not construction experts.

Most adjusters use standardized software (like Xactimate) to estimate repair costs. They're looking for obvious, documentable damage that clearly resulted from the storm event. They need to justify the claim to their employer.

The Licensed Roofer's Expertise

A professional roofing contractor in Detroit brings technical building knowledge that adjusters simply don't have. We're CertainTeed Master Shingle Applicators — the highest credential in the roofing industry — and we've installed or replaced over 500 roofs across Southeast Michigan.

When we inspect storm damage, we're looking at structural integrity, water intrusion pathways, code compliance, manufacturer warranty implications, and long-term failure risks. We know how Michigan's freeze-thaw cycles interact with compromised flashing. We recognize the difference between wind damage and installation defects. We understand how a small impact can create problems that won't show up for months.

Bottom line: The adjuster determines what your insurance will pay. The roofer determines what your roof actually needs. You need both perspectives to make an informed decision.

What Insurance Adjusters Look For (and What They Don't)

Insurance adjusters are trained to identify visible, storm-related damage that falls within your policy coverage. Here's what they're typically documenting:

• Missing or damaged shingles: Obvious wind uplift, tears, or complete shingle loss
• Hail impact marks: Circular bruising on shingles, dents in metal flashing or gutters
• Debris impact damage: Tree limbs, branches, or other objects that struck the roof
• Documented storm date: Correlation between the damage pattern and a verified weather event

What adjusters often miss or downplay:

• Subtle seal strip failures that will lead to blow-offs in the next windstorm
• Compromised underlayment that's not visible from the surface
• Flashing separation that hasn't caused active leaking yet (but will)
• Granule loss patterns that indicate the roof's protective layer is failing
• Structural deck damage hidden under intact shingles
• Code compliance issues that must be addressed during any repair

Here's a real example from a project we handled in Rochester Hills last summer: The adjuster approved replacing 12 damaged shingles after a severe thunderstorm. When we got on the roof, we found that the wind had lifted an entire section of ridge cap, allowing water into the attic space. The decking showed early rot, and the insulation was compromised. The actual scope of work was a full roof replacement plus attic remediation — about $18,000 more than the initial claim approval.

The homeowner had to request a supplemental inspection with our documentation. The claim was eventually approved, but only because we provided the technical evidence the adjuster needed to justify the expanded scope.

What Licensed Roofers Find That Adjusters Miss

When NEXT Exteriors inspects storm damage, we're doing a comprehensive technical assessment that goes well beyond surface-level documentation. Here's what our inspections include:

Structural Integrity Assessment

We check the roof decking for soft spots, sagging, or moisture damage. In Michigan, where ice dams and heavy snow loads are common, storm damage often compounds existing structural weaknesses. We use moisture meters to detect water intrusion that's not yet visible as staining.

Flashing and Penetration Evaluation

Every chimney, vent pipe, skylight, and valley intersection is a potential failure point. Wind-driven rain during Michigan storms can exploit the smallest gap in flashing. We inspect every penetration seal, step flashing piece, and valley liner for separation or damage that creates a water entry pathway.

Ventilation System Check

Storm damage often affects ridge vents, soffit vents, or gable vents. Compromised ventilation leads to moisture buildup, which accelerates rot and mold growth. This is especially critical in Michigan, where attic insulation and ventilation directly impact ice dam formation.

Granule Loss Analysis

Hail impact causes granule loss even when it doesn't create visible dents. Those granules are the UV protection for your shingles. Lose enough of them, and your roof ages 5-10 years in a single storm. We document granule accumulation in gutters and downspouts as evidence of accelerated wear.

Code Compliance Review

Michigan building codes have evolved significantly over the past decades. If your roof needs repair or replacement, it must meet current code requirements for wind ratings, fire resistance, and ice barrier installation. Many adjusters don't factor code upgrades into their initial estimates, leaving homeowners with unexpected costs.

We've worked on enough storm damage projects to know exactly what documentation is needed to support a comprehensive claim. Our inspection reports include photos, measurements, moisture readings, and specific references to manufacturer specifications and Michigan building codes. That level of detail makes the difference between a partial settlement and full coverage.

The Right Inspection Sequence for Michigan Homeowners

Here's the process that protects both your home and your insurance claim, based on 35+ years of storm damage work across Southeast Michigan:

Step 1: Document the Damage Immediately

As soon as it's safe after the storm, take photos and videos of any visible damage from the ground. Note the date and time. Check for missing shingles, dented gutters, damaged siding, or debris impact. Don't climb on the roof yourself — that's a safety risk and could void warranties.

Step 2: Call a Licensed Roofer for Technical Assessment

This is where most homeowners get it wrong. They call the insurance company first, the adjuster comes out, writes a minimal estimate, and then the homeowner discovers the real damage later. By that point, getting the claim reopened is an uphill battle.

Instead, get a professional inspection from a licensed contractor before the adjuster arrives. We'll identify all the damage — both obvious and hidden — and provide you with a detailed assessment. This gives you a complete picture before you file the claim.

At NEXT Exteriors, we offer free storm damage inspections. We'll get on your roof safely (we're fully insured with a Michigan Residential Builder's License), document everything we find, and explain what the damage means for your home's long-term protection. No pressure, no sales pitch — just honest information.

Step 3: File Your Insurance Claim

Once you know the full scope of damage, contact your insurance company and file a claim. Provide your initial documentation and request an adjuster inspection. Most policies require claims to be filed within a certain timeframe after the storm — usually one year, but check your specific policy.

Step 4: Have Your Roofer Present During the Adjuster Inspection

This is critical. Schedule your contractor to be on-site when the adjuster inspects the roof. We can point out technical damage that adjusters might miss and ensure everything is documented in the claim file. Most adjusters appreciate working with knowledgeable contractors — it makes their job easier and reduces the chance of disputes later.

We've attended hundreds of adjuster meetings over the years. We know how to communicate effectively with insurance professionals, provide the documentation they need, and advocate for our clients without creating adversarial situations.

Step 5: Review the Adjuster's Estimate with Your Roofer

Once the insurance company provides their estimate, have your contractor review it line by line. Compare it against the technical assessment. Look for gaps in coverage, underestimated quantities, or missing line items.

Common discrepancies we find:

• Inadequate ice and water barrier allowance for Michigan code compliance
• Missing or underestimated flashing replacement
• No provision for decking replacement where moisture damage exists
• Outdated material pricing that doesn't reflect current costs
• Insufficient slope or complexity adjustments for labor

Step 6: Request Supplemental Inspection if Needed

If the adjuster's estimate doesn't cover necessary repairs, don't just accept it. You have the right to request a re-inspection or submit additional documentation. Your contractor can help prepare a supplemental claim with photos, technical justification, and cost breakdowns.

We've successfully negotiated hundreds of supplemental claims over the years. It requires patience and thorough documentation, but insurance companies will adjust their estimates when presented with solid technical evidence.

Red Flags: When to Get a Second Opinion

Sometimes the adjuster's initial assessment is accurate and complete. Other times, there are warning signs that you're not getting the full picture. Here's when to push back:

• The estimate covers only a few shingles when you have widespread damage: If a severe storm hit your neighborhood and everyone else is getting full replacements while you're approved for a patch job, something's wrong.
• The adjuster spent less than 20 minutes on your roof: A thorough inspection takes time. If they're in and out quickly, they're likely missing hidden damage.
• No allowance for code upgrades: Michigan requires ice and water barrier in valleys and at eaves. If the estimate doesn't include current code requirements, it's incomplete.
• The estimate is significantly lower than your roofer's assessment: Small differences are normal, but if there's a $5,000+ gap, the scope of work doesn't match.
• Water stains in your attic but no interior damage noted in the claim: Water intrusion is a serious issue that needs to be documented and addressed.

If you see these red flags, don't sign anything or accept the settlement. Get a second opinion from a licensed contractor who specializes in insurance work. At NEXT Exteriors, we review adjuster estimates at no charge and help homeowners understand whether they're getting fair coverage.

We've also seen situations where storm damage affects more than just the roof. High winds can damage house siding in Detroit, especially older vinyl siding that's become brittle. Flying debris can crack windows in Detroit, and heavy rain can overwhelm seamless gutters in Detroit, MI. A comprehensive storm damage assessment should cover all exterior components — not just the roof.

Storm Damage Patterns in Southeast Michigan

Understanding the types of storm damage common in our region helps you know what to look for and what to tell your adjuster.

Summer Severe Thunderstorms

Southeast Michigan sees frequent severe thunderstorm activity from May through August. These storms bring straight-line winds (often 60+ mph), hail, and intense rainfall. The damage pattern typically includes:

• Shingle uplift and tearing on the windward side of the roof (usually west or southwest-facing slopes)
• Ridge cap damage where wind gets under the peak
• Gutter and fascia damage from wind pressure
• Tree debris impact from broken branches

We saw extensive straight-line wind damage across Macomb County during the derecho event a few summers ago. Entire neighborhoods in Clinton Township and Shelby Township needed roof replacements because the wind systematically lifted shingles across multiple roof planes.

Hail Damage

Hail events are less frequent but more uniformly damaging. A severe hailstorm can destroy a roof in 10 minutes, even if the shingles look relatively intact afterward. The damage shows up as:

• Circular impact marks (bruising) on shingles
• Granule loss around impact points
• Dents in metal flashing, vents, and gutters
• Cracked or broken shingles (with larger hail)

Hail damage is particularly insidious because it accelerates aging. Your roof might not leak immediately, but the compromised shingles will fail much sooner than their rated lifespan.

Ice Dam Damage After Heavy Snow

While ice dams form gradually over the winter, they often cause damage that's discovered after a spring thaw or during the next heavy rain. Ice dam damage includes:

• Lifted or displaced shingles at the eaves
• Damaged underlayment from ice expansion
• Water intrusion into attic spaces and wall cavities
• Gutter and fascia damage from ice weight

Ice dam damage is tricky for insurance claims because it's often considered a maintenance issue rather than a sudden storm event. However, if the ice dam resulted from a specific heavy snow event and caused acute damage, it may be covered. This is where having a knowledgeable contractor who understands the nuances of roof repair decisions in Chesterfield Township becomes invaluable.

Spring Freeze-Thaw Cycles

Michigan's brutal freeze-thaw cycles in March and April can finish off a roof that was already compromised by storm damage. Water gets under damaged shingles, freezes, expands, and pushes the shingles up further. Then it thaws, runs into the attic, and refreezes at night. This cycle creates progressive damage that's hard to attribute to a single event — another reason why timely inspection after storm damage is critical.

Cost Reality: What Insurance Covers vs. What You Pay

Let's talk numbers, because this is where homeowners get surprised. Understanding what insurance actually pays helps you budget for the project and evaluate whether the adjuster's estimate is realistic.

Your Deductible

Most Michigan homeowners have a percentage deductible for wind and hail damage — typically 1% to 2% of the dwelling coverage amount. On a home insured for $300,000, that's a $3,000 to $6,000 out-of-pocket cost before insurance pays anything.

Some policies have separate, higher deductibles for wind/hail claims. Check your declarations page. If you have a $10,000 deductible and the total damage is $12,000, you're only getting $2,000 from insurance. In that scenario, it might not make sense to file a claim at all.

Actual Cash Value vs. Replacement Cost

Most policies pay claims in two stages:

1. Actual Cash Value (ACV): The depreciated value of your roof based on its age. If you have a 15-year-old roof with a 25-year rated lifespan, the insurance company depreciates the payout by 60%.
2. Replacement Cost Value (RCV): The full cost to replace the roof with comparable materials. You get this portion after the work is completed and you submit proof of payment.

Here's an example: Total roof replacement cost is $15,000. Your deductible is $2,500. Your roof is 60% through its rated life.

• Initial ACV payment: ($15,000 - $2,500) × 40% = $5,000
• Recoverable depreciation after completion: ($15,000 - $2,500) × 60% = $7,500
• Total insurance payout: $12,500
• Your out-of-pocket: $2,500 (deductible)

The catch: You need to pay the full $15,000 to the contractor, then submit for the recoverable depreciation. Many homeowners don't realize they'll need to front the depreciated amount.

Upgrades and Code Compliance

Insurance covers "like kind and quality" replacement. If your roof had standard 3-tab shingles, they'll pay for standard 3-tab replacement (though most contractors, including us, now install architectural shingles as the baseline because 3-tabs are essentially obsolete).

If you want to upgrade to premium shingles, enhanced warranties, or better materials, you'll pay the difference. However, code-required upgrades — like ice and water barrier or improved ventilation — should be covered as part of the necessary repair scope.

Real Project Example: What a Storm Damage Claim Actually Costs

Last year, we replaced a roof in Troy after severe wind damage. Here's how the numbers broke down:

• Total project cost: $18,500 (full tear-off, CertainTeed Landmark architectural shingles, new ice barrier, ridge vent upgrade, code-compliant flashing)
• Homeowner's deductible: $3,000
• Roof age: 12 years old (rated for 30 years, so 40% depreciated)
• Initial ACV check: ($18,500 - $3,000) × 60% = $9,300
• Recoverable depreciation: ($18,500 - $3,000) × 40% = $6,200
• Homeowner paid NEXT Exteriors: $18,500 (financed the gap until depreciation recovered)
• Final homeowner cost: $3,000 (deductible only)

The homeowner also chose to upgrade to a 50-year warranty shingle and add enhanced ridge vent, which added $1,200 to the project. Their total out-of-pocket was $4,200, but they got a brand-new roof with better materials than the original.

For more context on making the repair-versus-replace decision, our guide on whether to repair or replace your roof in Chesterfield Township walks through the cost analysis in detail.

NEXT Exteriors works directly with insurance companies. We can bill the ACV portion directly, work with you on financing the depreciation gap, and handle all the supplemental claim paperwork. We've been doing this since 1988 — we know how to make the process as smooth as possible for Michigan homeowners.

Other Services NEXT Exteriors Offers

While storm damage often focuses attention on the roof, comprehensive exterior protection involves multiple systems working together. NEXT Exteriors provides a full range of exterior services in Detroit and throughout Southeast Michigan.

Our siding installation services include vinyl, James Hardie fiber cement, and LP SmartSide engineered wood — all materials that stand up to Michigan weather. If storm debris damaged your siding, we handle those insurance claims the same way we do roofing.

Energy efficiency is critical in Michigan's climate extremes. Our window replacement services focus on high-performance, energy-efficient units that reduce heating and cooling costs. We install double-hung, casement, sliding, and bay/bow windows from trusted manufacturers. For homeowners comparing options, our article on casement vs. double-hung windows for Metro Detroit homes breaks down the practical differences.

Proper insulation is the foundation of a comfortable, efficient home. Our insulation services cover attic insulation, spray foam, wall insulation, basement insulation, and crawl space insulation. We often discover insulation damage during storm-related roof replacements, and addressing it during the same project saves time and money.

Storm water management starts with functional gutters. We install seamless gutters custom-fabricated on-site to eliminate leak-prone seams. Properly sized and installed gutters protect your foundation, siding, and landscaping from water damage. Our post on the best gutter guards for Michigan's leaves and pine needles addresses one of the most common maintenance challenges homeowners face.

Finally, our exterior painting services use exclusively Sherwin-Williams products. We handle full exterior repaints, trim work, and deck/fence staining. If storm damage has left your home's exterior looking worn, a comprehensive approach — new roof, fresh siding, quality paint — transforms both protection and curb appeal.

Ready to Get Started?

NEXT Exteriors has been protecting Michigan homes since 1988. Whether you're dealing with storm damage or planning an upgrade, get a free, no-pressure estimate from a team that shows up on time and does the job right.

Get Your Free Quote

Or call us: (844) 770-6398

Frequently Asked Questions

Should I call a roofer or my insurance company first after storm damage? +

Call a licensed roofer first for a technical assessment before filing your insurance claim. This ensures you understand the full scope of damage and can provide complete documentation to your insurance company. At NEXT Exteriors, we offer free storm damage inspections and can be present during the adjuster's visit to ensure nothing is missed. Getting a professional evaluation first protects your claim and prevents situations where damage is discovered after the adjuster has already closed the file.

What's the difference between what an adjuster and a roofer look for during inspection? +

Insurance adjusters focus on visible, documentable damage that's clearly related to the storm event and covered under your policy. Licensed roofers conduct comprehensive technical assessments that include structural integrity, hidden water damage, code compliance, and long-term failure risks. Roofers identify problems that may not cause immediate leaks but will lead to expensive failures down the road. We use moisture meters, check decking condition, evaluate ventilation systems, and assess whether repairs meet current Michigan building codes — details that adjusters often miss or don't have the expertise to evaluate.

How long do I have to file a storm damage claim in Michigan? +

Most homeowner insurance policies require claims to be filed within one year of the damage occurring, though some policies have shorter timeframes. Check your specific policy declarations page for the exact deadline. However, don't wait until the deadline approaches — file as soon as you've had the damage professionally assessed. The longer you wait, the harder it becomes to prove the damage resulted from a specific storm event rather than normal wear or deferred maintenance. We recommend getting a roof inspection within a few weeks of any severe weather event.

Will my insurance cover the full cost of roof replacement after storm damage? +

Insurance coverage depends on your policy terms, deductible, and whether you have replacement cost or actual cash value coverage. Most policies pay in two stages: an initial payment based on the depreciated value of your roof, then recoverable depreciation after you complete the work and submit proof of payment. You'll always pay your deductible out of pocket. Code-required upgrades should be covered, but cosmetic upgrades or premium materials beyond "like kind and quality" replacement are typically your responsibility. We review insurance estimates at no charge and help homeowners understand exactly what they'll pay versus what insurance covers.

What if the adjuster's estimate is much lower than my roofer's assessment? +

Significant discrepancies between adjuster estimates and contractor assessments are common, especially when hidden damage exists. You have the right to request a supplemental inspection and submit additional documentation. Your contractor should provide detailed photos, technical justification, and itemized cost breakdowns that support the expanded scope of work. At NEXT Exteriors, we've successfully negotiated hundreds of supplemental claims by providing the technical evidence adjusters need to justify higher payouts. Don't just accept an inadequate settlement — insurance companies will adjust their estimates when presented with solid documentation.

Can storm damage affect more than just my roof? +

Absolutely. Severe storms can damage siding, windows, gutters, fascia, soffits, and even your home's structure. High winds can crack or tear siding, especially older vinyl that's become brittle. Flying debris can break windows or dent gutters. Heavy rain can overwhelm undersized gutters and cause water damage to foundations. A comprehensive storm damage inspection should evaluate all exterior components, not just the roof. NEXT Exteriors provides complete exterior assessments and can coordinate all necessary repairs through a single insurance claim, saving you time and ensuring consistent quality across all work.

Should my contractor be present when the insurance adjuster inspects my roof? +

Yes, absolutely. Having your contractor present during the adjuster's inspection ensures that all damage is properly documented and nothing is missed. Experienced contractors know what to look for and how to communicate technical issues in terms adjusters understand and can justify to their companies. We've attended hundreds of adjuster meetings over our 35+ years in business and have established professional relationships with most insurance companies operating in Southeast Michigan. Our presence protects your interests while keeping the process collaborative rather than adversarial. Schedule your contractor to be on-site the same day as the adjuster — it's one of the most important steps in getting fair claim settlement.