In property insurance, roofing damage consistently ranks as one of the most frequent and costly claims sources. Industry data reveals that **Industry research shows that roughly 35% – 40%% of all property claims stem from wind or hail damage to roofs** These numbers aren’t just statistics—they’re a clear signal that roofs are a critical pain point for insurers, driving up loss ratios and straining internal resources. For insurance companies looking to optimize efficiency, reduce costs, and improve accuracy, outsourcing roof inspections to independent adjusting firms like ours is a strategic solution. Here’s why.
The Roof Claim Challenge
Roofs are the first line of defense against nature’s fury, making them uniquely vulnerable to perils like wind, hail, and falling debris. When storms hit, claims surge—often overwhelming in-house adjusters who must juggle inspections, damage assessments, and policyholder demands. The sheer volume of roof-related claims (potentially 34% to 41% of your total property claims) means that even a small inefficiency can snowball into significant delays, increased payouts, or dissatisfied customers. Add in the complexity of modern roofing systems and the need for precise evaluations, and handling these inspections can stretch your internal staff thin.
Expertise That Saves Time and Money
Third-party adjusting teams bring specialized expertise to the table. They provide adjusters trained to assess roofing damage with pinpoint accuracy—identifying subtle hail impacts or distinguishing storm damage from pre-existing wear. This precision matters. Overpaying on a claim due to an overestimated scope of damage or denying a valid claim because of oversight can cost insurers financially and in customer trust. Outsourcing to third-party experts allows you to tap into a dedicated resource that reduces errors, speeds up claim resolution, and keeps your loss adjustment expenses (LAE) in check.
Scalability for Storm Season
Weather doesn’t wait, and neither should your claims process. During peak storm seasons, when roof claims spike, independent adjusters offer the scalability your in-house team may lack. Quick deployment and experience handling high volumes ensure timely inspections without compromising quality. Wind and hail claims are among the most common homeowners insurance filings—why risk backlogs or burnout when you can lean on a third-party partner to absorb the surge?
Cost Efficiency Without Compromise
Hiring and training full-time adjusters for roof inspections is a fixed cost that doesn’t always align with fluctuating claim volumes. Outsourcing to an independent firm shifts that burden to a variable expense, allowing you to pay only for the services you need when you need them. Advanced tools—like drone technology and detailed reporting—enhance inspection quality without inflating your overhead. The result? You save on operational costs while delivering better outcomes for policyholders.
A Competitive Edge
In an industry where customer satisfaction and claims speed are key differentiators, partnering with a third-party firm can set you apart. Fast, accurate roof inspections lead to quicker settlements, happier customers, and a stronger reputation. With roofing damage driving over a third of property claims, getting this piece right isn’t just smart—it’s essential.
Let Us Lighten the Load
Pacesetter understands the stakes. Roofs aren’t just part of a property but a cornerstone of your claims portfolio. By outsourcing roof inspections to us, you’re not just handing off a task; you’re gaining a partner committed to reducing your risk, refining your process, and protecting your bottom line. Let’s work together to turn a challenge into an opportunity.
*Sources: CAPE Analytics, “The Definitive Guide to Roof Condition for Property Insurers” (2023);
Insurance Information Institute, “Facts + Statistics: Homeowners and Renters Insurance”
(2022); Policygenius, “Homeowners Insurance Claims Statistics” (2024).*
