After a storm, your insurance adjuster becomes one of the most important people in the recovery process. Their job is to assess the damage, ensure the claim is valid, and confirm that you’ve taken appropriate steps to protect the property from further harm.
One of those steps? Temporary roof protection.
But not all roof wraps are created equal — and not all of them meet insurance standards. Here’s what adjusters actually look for when reviewing a shrink wrap installation.
✅ 1. Proof of Mitigation
Most policies include language about the homeowner’s responsibility to mitigate further damage. That means taking action — fast.
Adjusters look for clear evidence that:
- The wrap was installed promptly after the storm
- It prevented additional interior water damage
- It shows an effort to protect the structure
A professional shrink wrap system communicates that you took this seriously — and avoids claim denials due to “negligence” or inaction.
✅ 2. Professional Installation (Not DIY)
Insurance carriers are skeptical of DIY solutions. Loose tarps, bungee cords, and makeshift covers often do more harm than good.
Adjusters prefer working with documented, professional installs from contractors who:
- Provide before-and-after photos
- Use perimeter fastening (not nail-through methods)
- Follow safety standards
- Offer clear scope-of-work documentation
StormWrappers crews are trained to deliver precisely that.
✅ 3. No Additional Damage Introduced
If the “fix” causes new damage, that’s a red flag. Common issues include:
- Tarps nailed directly into undamaged roof decking
- Water pooling under poorly placed covers
- Mold forming from trapped moisture
Shrink wrap systems avoid these pitfalls. Because they’re heat-sealed and surface-stable, they create a true barrier — without adding fastener holes or water traps.
✅ 4. Photo Documentation and Time Stamps
Adjusters want to see:
- When the damage occurred
- When the wrap was installed
- What was protected
- What still needs repair
A good wrap provider like StormWrappers includes photo sets and job summaries with every install, giving adjusters exactly what they need — no follow-up chase required.
✅ 5. Compliance with Local & OSHA Standards
If you’re dealing with a commercial, institutional, or multi-family building, the stakes are even higher.
Insurance carriers often require that emergency work:
- Is compliant with fall protection and access rules
- Doesn’t create additional liability
- Includes proper PPE, lift/staging use, and site control
StormWrap installations are built around safety — which reduces your exposure as both a policyholder and a property owner.
✅ Final Takeaway
Adjusters don’t just want to see a roof covered. They want to see that it was covered correctly, safely, and on time.
Choosing a professional shrink wrap service does more than protect your home — it protects your claim.
