How long does an insurance roof inspection take?

What makes an inspection longer or shorter

• Roof size and shape: a simple two-slope gable roof goes fast; a cut-up roof with many hips, valleys and dormers takes longer to measure and test.
• Pitch: steep roofs often need a ladder assist company, harnesses or a drone, which adds setup time or a second visit.
• Test squares: adjusters commonly check a 10 by 10 foot area on each directional slope for hail, and each one takes time to mark and photograph.
• Collateral damage: gutters, downspouts, siding, screens, fences and the AC unit are documented from the ground.
• Interior damage: if water came in, expect time spent photographing ceilings and measuring rooms.
• Weather: adjusters will not walk a wet or icy roof, so rain can push the visit.

The rest of the timeline

The visit is only one step. After a widespread hailstorm, it can take days to a few weeks just to get on an adjuster's calendar. Many adjusters write the estimate back at the office, and a desk adjuster or supervisor may need to approve it, so the written estimate can lag the visit. Georgia's claim handling rules require an insurer to acknowledge a claim within 15 days and to pay within 10 days once coverage is confirmed and the amount is determined and not in dispute. See the full Georgia roof claim timeline for every stage.

Make the one visit count

Be home, have the date of loss and your storm day photos ready, and have your roofer there to point out damage on every slope. A complete first inspection is faster than a reinspection later. The adjuster inspection checklist covers what to have on hand.