I actually never thought to compare the roofer’s invoice line by line with what insurance paid out.
How do you even know if something like ice/water shield is required in your area? Is that something the roofer should point out, or do you have to look up local codes yourself?Sometimes they’ll lump things together or miss stuff like drip edge or ice/water shield that’s required by code now.
Honestly, I wouldn’t just take the roofer’s word for it. Some will tell you what’s code, but others might skip stuff to save time or money. I usually Google my city’s building codes or call the permit office—doesn’t take long, and it’s saved me a headache more than once.
- Double-checking codes is smart—some roofers definitely cut corners if you’re not watching.
- I always ask for a copy of the permit and inspection report, just to have it on file. Saved me some hassle when selling my last place.
- Out of curiosity, did your insurance company ask for proof of code upgrades or permits before paying out? I’ve heard stories where they deny claims if you can’t show that stuff.
I've seen claims get delayed or even denied when folks can't show permits or inspection docs, especially after code changes. Not every company asks, but it's getting more common. Had a case last year—homeowner couldn't prove the upgrades, and it got messy fast. Always better to have the paperwork handy, even if it feels like overkill.
I ran into something similar a couple years back—insurance adjuster wanted every scrap of documentation for my roof, including the permit and inspection sign-off. I’d kept the permit but totally forgot about the inspection report, and it turned into a whole back-and-forth. Ended up digging through old emails to find it. Honestly, I used to think keeping all that paperwork was overkill too, but now I just scan everything and dump it in a folder. It’s a pain, but way less stressful than arguing with insurance after the fact.
