The homeowner has a claim number and wants you to deal with it
Wind damage, a claim open with the insurer, and a homeowner who wants you to do the repair. The insurer or their loss adjuster needs a report: cause of damage in your words, what you found, photos, and a priced scope. You write it up, send it off, and a week later it comes back asking for close-up photos of the ridge and a split between storm damage and wear.
Your surveyor has to go back up, the homeowner rings twice a day, and the tarpaulin you put on is flapping in the next wind.
Why insurance reports keep bouncing back
Each insurer, managing agent and loss adjuster wants things slightly differently, and roofing reports are usually written freestyle. The photos are good but not labelled. The scope mixes storm-related items with general maintenance. The difference matters to the people approving the claim.
- Reports are written from scratch in a word document each time.
- Photos are not labelled with location and what they show.
- Storm-related and wear-related items are not separated.
- Each claim's queries sit in email threads with no owner.
- Temporary works are not recorded clearly with dates and photos.
What the delays cost
Claims work is only worth doing if it moves. Every query adds a site revisit or an afternoon of rewriting, and while the claim sits, the homeowner blames you. Temporary repairs that are not recorded properly can be hard to get paid for. And the roofer who gets reports right first time becomes the one insurers and homeowners recommend.
The damage report builder we build
- A site form structured around what claims handlers ask for: property details, claim reference, date of event reported by the customer, roof type, areas affected, damage found, temporary works carried out.
- Photos are taken inside the form and tagged by location and item, with wide shots and close-ups prompted for each item.
- Each item is marked by your surveyor as storm-related, wear or pre-existing, or uncertain. That judgement is theirs, and the report shows it as their view.
- Items link to your pricing so the scope is priced as the report is built, with storm-related and other items shown separately.
- An AI step drafts the written summary from the surveyor's notes in plain, neutral language, which the surveyor edits and signs off.
- The report is produced as a PDF in a layout for each insurer or adjuster you deal with regularly.
- Each claim has a status, and queries from the insurer are logged against it with a named owner and a follow-up date.
| Report section | Source |
|---|---|
| Property and claim details | Office entry and site form |
| Damage found, by location | Surveyor's tagged photos and notes |
| Cause, in the surveyor's view | Surveyor's judgement, drafted and edited |
| Temporary works | Dated photos and notes from the gang |
| Priced scope | Your rates, split by item category |
We do not assess claims or give opinions on cover. Your surveyor's findings are what the report presents.
What changes for claims work
Reports go out complete and in the format each adjuster expects. Queries have an owner. Temporary works are on record with dates. The homeowner can be told exactly where their claim stands, which does more for your reputation than anything else in insurance work.
Does insurance work feel like this?
- Reports come back with questions more often than not.
- Surveyors revisit roofs to take extra photos.
- Homeowners chase you about the insurer's decision.
- Temporary repairs are hard to prove and get paid for.
- You avoid insurance work because of the paperwork.