Should your roofer meet the insurance adjuster? In most cases, yes. A roofer on the roof during the adjuster's inspection can point out damage, explain how the roof is built and answer technical questions, which helps the scope capture everything. What a roofer cannot do in Texas is negotiate your claim. Here is where that line sits.
Have an adjuster visit coming up? Call Cannon Roofing at (940) 627-1045, open 24/7, or use our contact page and we will arrange to be there.
Why having a roofer present helps
An adjuster may inspect many roofs in a day after a big North Texas storm. They are working from their training and their company's guidelines. A roofer who has already inspected your roof knows where the damage is, what the roof is made of, and what a proper repair or replacement would require.
Pointing out damage that is easy to miss
Hail bruises, cracked pipe boots, dented vents and damaged ridge caps are not always obvious. A roofer who marked and photographed them beforehand can show the adjuster each one on the spot. Our article on what adjusters look for on a roof explains their process.
Explaining the construction
Adjusters may not know everything under the shingles. A roofer can explain the roof's layers, decking, pitch, number of stories, existing drip edge and venting, all of which affect what a correct replacement involves.
Code and manufacturer items
Items such as starter strips, drip edge, ice and water barrier in valleys, or correct ventilation may be required by local code or the shingle manufacturer. A roofer can raise them so they are considered in the scope instead of discovered later.
Should your roofer meet the insurance adjuster under Texas rules?
Texas draws a firm line between contractors and adjusters, and the Texas Department of Insurance publishes consumer guidance on it.
What your roofer can do
- Inspect and document the damage before the adjuster arrives.
- Attend the adjuster's inspection and show what was found.
- Answer technical questions about materials and installation.
- Provide an estimate for the repair or replacement work.
- Prepare supplement documentation and answer technical questions about the scope.
What your roofer cannot do
- Act as your public adjuster, or advertise that they will handle your claim for you.
- Negotiate the value of your claim on your behalf. Only you, a licensed public adjuster or an attorney can do that.
- Waive, absorb or rebate your deductible, which is illegal in Texas.
If you are weighing whether to bring in a public adjuster, our comparison of public adjusters versus roofers lays out who does what.
Why the line exists
The rule protects homeowners. A contractor who also controlled the claim would have a reason to inflate it, and a homeowner could end up owing a contractor under terms they did not fully understand. Keeping the roles separate means the person fixing the roof documents facts, while you keep control over what you accept from your insurer. A reputable roofer will explain this without being asked. Be cautious of anyone who promises to "take care of the insurance" or tells you not to talk to your adjuster directly.
How to set up the adjuster meeting
- Get your roof inspected first. Your roofer needs to have already found and photographed the damage.
- File the claim with your insurer and note the claim number.
- When the adjuster calls to schedule, tell them your roofer will attend and ask for a time that works for both.
- Share the time and claim number with your roofer right away.
- Be home if you can. You are the policyholder and it is your claim.
What happens at the meeting
The adjuster inspects the roof, usually measuring slopes and marking test squares to count hail hits. Your roofer walks with them where safe and points out damage. Afterward, the adjuster writes an estimate, which may arrive days later.
If something gets missed
If the estimate leaves out damage or required items, the usual path is a supplement request with photos and documentation. Your roofer can prepare the technical documentation; any negotiation stays with you or your licensed representative.
What you can prepare
Have your policy, claim number, the storm date and any photos you took after the storm ready. If there is interior damage, leave it visible for the adjuster rather than cleaning up everything beforehand, and make sure the adjuster can reach the attic access. Write down the adjuster's name, phone number and email before they leave, and ask when you should expect the estimate.
Working with Cannon Roofing on your claim
Cannon Roofing has worked with homeowners in Decatur, Bridgeport, Alvord, Newark and across North Texas since 1994. Our insurance claims help covers the roofing side: inspection, photo documentation, attending the adjuster's visit and a clear, itemized estimate. Every crew member holds the Technician Seal of Safety, meaning background checked, drug tested, factory trained and insured. We explain the process plainly and respect the limits Texas law sets.
Frequently asked questions
Do I have to have a roofer at the adjuster inspection?
No. It is optional. Many homeowners find it helpful because the roofer can explain technical details and point out damage the adjuster might otherwise overlook.
Can the adjuster refuse to meet my roofer?
It is your property and your claim. Adjusters commonly meet contractors on site, but if scheduling fails, the roofer's photos and report can still be shared.
Should I sign a contract before the adjuster visits?
Read any agreement carefully first. In Texas, a roofing contract that will be paid through an insurance claim should spell out your right to cancel if the claim is denied. Look for that notice in the contract and ask the contractor to explain it before you sign.
If your adjuster visit is on the calendar, call Cannon Roofing at (940) 627-1045, any hour, to schedule a free inspection first and have us at the meeting. You can also book through the Cannon Roofing contact page.