Insurance Claim Roof Survey — areas covered
Insurance loss adjusters see hundreds of roof claims and rely on a common template. If your your area claim isn't presented in that template — cause of damage, photo evidence, priced schedule of works — it slows down or gets underpaid. We survey the roof, write the report in the format adjusters expect, and take the friction out of your postcode settlements.
Insurance survey across 10 nearby areas
What's included
- Dated site visit report with photo pack
- Cause of damage narrative referencing weather data for {area}
- Distinction between claim-relevant damage and general wear (so insurer can't conflate them)
- Priced schedule of works — like-for-like reinstatement
- Temporary weatherproofing record if provided
- Recommendations for interim leak protection if reinstatement is delayed
Who it is for
- Homeowners with fresh storm damage on a {area} property
- Claimants whose insurer has queried scope or offered less than expected
- Homeowners refused settlement on 'wear and tear' grounds who disagree
- Landlords managing a tenanted property claim in {pc}
What we check
- Damaged area — photographed in situ before any work
- Adjacent undamaged area — for comparison and cause narrative
- All possible sources of ingress on the affected elevation
- Chimney and flashing integrity where the leak path could involve them
- Loft-side evidence — timber staining, insulation saturation, dated marks
- Weather corroboration — official reports for {area} on the incident date
- Age and condition of the wider roof (relevant to any wear-and-tear counter-argument)
How the survey runs
- Call us as soon as damage occurs — same day where possible in {area}
- Temporary weatherproofing on the first visit if the roof is open
- Full photo survey and cause investigation
- Written report, weather corroboration and priced schedule inside 72 hours
- Liaison with your loss adjuster where you'd like us to
- Reinstatement works on approval, with dated progress photos
Typical findings
- Insurer offering cash settlement well below repair cost — usually a low ball, worth challenging with our pack
- Wear-and-tear rejection where the roof was demonstrably functional before the incident
- Loss adjuster relying on ground-level or drive-by inspection only
- Insurer's panel roofer specifying a cheaper repair method than the covering warrants
- Delay tactics — 'we need further evidence' repeated without specifics
Common questions
Can I claim this survey fee back from my insurance?
Usually yes — under most policies the reasonable cost of obtaining a specialist opinion is recoverable. We provide an itemised invoice worded so it's easy for your your area claim to include it. Confirm with your insurer before instructing.
How fast can you get to a your postcode storm damage job?
Same day where safely possible, usually within 24-48 hours during storm season. Temporary weatherproofing on the first visit if the roof is open; full survey and report within 72 hours.
Do you deal directly with loss adjusters in your area?
Yes — with your permission we speak to the loss adjuster, share the report, and negotiate on scope where needed. Most your area claims we handle settle without a site meeting between us and the adjuster.
The insurer's panel roofer said it's wear and tear. Now what?
Common outcome. We provide an independent inspection with photo evidence and weather data. If our findings support a genuine claim, we write a challenge letter you can submit — many your postcode claims are reopened at this stage.
How much does the survey cost if the claim doesn't pay?
Fee is £245-£495 depending on complexity. If the claim ultimately fails, that's the cost — but we'll tell you upfront in your area whether we think the claim has legs before you commit to the survey.
Do you do the repair too?
Yes if you want — but you're free to use any contractor. Our survey pack is written to support the claim regardless of who does the reinstatement in your postcode.