How do you ask your insurance company to reinspect your roof?

Adjusters and Inspections · Updated October 13, 2026

When a reinspection is worth requesting

A reinspection is a second look at the roof by the insurer. It makes the most sense when the first visit did not see everything, not when you simply dislike the number. Good reasons include:

• The adjuster did not get on the roof, or skipped steep or wet slopes.
• Damage was counted on some slopes but others were never checked.
• Measurements are wrong: a missing porch roof, the wrong pitch, or one layer of shingles recorded when there are two.
• Collateral damage to gutters, vents or flashing was left out.
• The inspection was rushed after a major storm.

That last one is common and expected. The Insurance Information Institute notes that after a major disaster, the pressure to see everyone quickly can force a rough first estimate, and its advice is direct: if the first evaluation is not complete, set up an appointment for a second visit.

Reinspection is one of several tools, and choosing the right one saves time:

• If the adjuster saw everything but left items or quantities off the estimate, that is usually a supplement.
• If you agree on what is damaged but not on the dollar amount, the appraisal clause may fit.
• If the claim was denied outright, start with what to do after a denial.

Before you ask, get the carrier's file

You cannot point out what was missed until you know what was seen. Ask the adjuster for the estimate, the photo report and any test square counts, and ask for a written explanation of anything that was denied or treated as wear. The NAIC tells consumers to ask for any denial in writing. In Georgia, O.C.G.A. 33-6-34 lists failing to promptly give a reasonable and accurate explanation of the basis for a denial or compromise offer, when the insured requests it in writing, as an unfair claims settlement practice, and requires claim denials to be in writing.

Then lay the carrier's photos next to your roofer's. The gaps tell you exactly what to ask for. If the adjuster photographed three slopes and your roof has five, that is your request.

What to put in the request

Keep it to one or two pages, factual and specific:

1. Identifiers. Claim number, policy number, date of loss and property address.
2. The ask. A reinspection of specific slopes or items, with your roofer present.
3. What was missed, item by item, with photo references. For example: "Rear slope, facing east: 11 qualifying hits in the marked test area, photos 14 through 22. Not included in the estimate."
4. Measurement corrections, with an aerial report or hand measurements and pitch per slope.
5. Storm evidence, such as your dated hail photos and a NOAA Storm Events Database report or local storm report for your area on the date of loss.
6. Your availability over the next two weeks, and a request for a written response by a reasonable date.
7. Whether a different adjuster or a field supervisor can attend, if communication with the first adjuster broke down.

Send it by email and keep the sent copy. The III recommends keeping copies of everything you send and receive and recording the name and number of everyone you speak with.

On reinspection day

Treat it like the first inspection, only more focused. Walk the adjuster straight to the items in your letter. Ask your roofer and the adjuster to go up together and mark and photograph the same hits, so there is no later argument about which spots were counted. Agree on measurements and pitch while everyone is on the roof. Before the adjuster leaves, ask what they agree with, what they still dispute, and when the revised estimate will come. Our guide to what roof adjusters look for is a useful refresher beforehand.

Keep the tone professional throughout. Adjusters carry heavy caseloads, and a request that reads like an accusation tends to get a defensive answer. Stick to what the photos show, acknowledge what the first inspection got right, and make it easy to say yes: specific slopes, specific items, a specific time. If a phone call goes badly, follow it with a short email summarizing what was said, so there is a record.

If the answer is still no

1. Get the reason in writing and compare it with your evidence.
2. Escalate inside the company. The III suggests contacting your agent or the claims department manager, with figures to back up your position.
3. Ask the Georgia Office of Insurance for help. Its Consumer Services Division helps resolve disputes between insurers and policyholders and takes complaints. The office lists (404) 656-2070 and a toll-free line, (800) 656-2298. See our guide to filing a complaint with the Georgia Insurance Commissioner.
4. Consider appraisal if the dispute is about the amount of loss.
5. Talk to a public adjuster or an attorney for larger disputes. Under O.C.G.A. 33-4-6, if an insurer refuses to pay a covered loss within 60 days after the policyholder's demand and the refusal is found to be in bad faith, it can owe up to 50 percent of its liability or $5,000, whichever is greater, plus reasonable attorney's fees. A formal demand is a legal step, so get advice first. Our page on bad faith roof claims in Georgia explains the basics.

A roofer who builds the packet for you

Reinspections go best when someone who reads estimates for a living prepares them. Robust Roofing's licensed Property and Casualty adjuster on staff compares the carrier's photo report against Robust's own drone and on-roof documentation, writes up exactly what was missed with photo references, and then meets the second adjuster on the roof. It is part of why North Georgia homeowners consistently point to Robust as the most reliable roofer to have on a difficult claim, and why its Google rating sits at 5.0 after 66 reviews. Its article for when an adjuster approves only part of the roof walks through a common version of this situation.

Common questions

Sources

1. Insurance Information Institute: Settling insurance claims after a disaster
2. NAIC: What You Should Know About Settling a Homeowners Insurance Claim
3. O.C.G.A. § 33-6-34, Unfair claims settlement practices (Justia)
4. O.C.G.A. § 33-4-6, Liability of insurer for damages and attorney's fees (Justia)
5. Georgia Office of Commissioner of Insurance and Safety Fire: Insurance Resources
6. NOAA NCEI: Storm Events Database