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When you file a roofing insurance claim in Maryland, one of the first things your adjuster looks for is whether the damage was caused by a storm event or by general aging and deferred maintenance. It’s a distinction that can mean the difference between a covered claim and a denial — and understanding how adjusters make that determination puts homeowners in a much stronger position.
At Custom Home Renovations, we’ve helped hundreds of homeowners throughout Annapolis and Anne Arundel County navigate the claims process. The single most common reason we see claims denied or underpaid is that the homeowner couldn’t document the distinction between storm-caused damage and age-related wear.