Fighting Aerial Imagery Roof Claim Denials

Who this is for

Public adjusters and independent adjusters handling roof and storm claims that were denied or cut based on aerial imagery, satellite photos, or a desktop review, without anyone from the carrier setting foot on the property.

The problem

Desktop denials are fast, cheap, and increasingly common. A reviewer looks at flyover images, sees no damage they consider storm related, and closes the file. The homeowner is left pointing at a leaking ceiling while a letter insists the roof is fine.

The weakness of these denials is built in. The images have capture dates that often do not match the date of loss. The resolution and angles cannot resolve the damage that actually decides hail and wind claims. And the reviewer has no answer for what is happening under the shingles or inside the attic. An adjuster who documents those gaps methodically, instead of just objecting to them, wins far more of these disputes.

Inside the free PDF

Challenging the Satellite Denial: When the Carrier Never Set Foot on the Roof covers:

• How desktop reviews and aerial condition reports actually get built
• The written request that locks the carrier to its imagery and capture dates
• The capture date check that collapses many of these denials on its own
• A documented list of what flyover images cannot see
• The on-roof ground truth checklist: test squares, scale references, collateral indicators
• Weather verification that ties the damage to a documented storm date
• A five-part rebuttal letter and reinspection demand, plus the common mistakes

Get the PDF

Enter your email and the full guide lands in your inbox. Bring it to the next desktop denial on your desk.

One more thing

These disputes come down to dates, photos, and follow-through. See how MESHA handles that part of claim work automatically: Weather Proof weather event verification for the storm date, a document hub that keeps every exhibit ready, and automated deadline tracking that keeps the rebuttal moving.

This guide is part of MESHA Academy, free field education for adjusters: mesha.cc/academy. MESHA for adjusters: mesha.cc