Avoid guessing, exaggerating, admitting a cause you do not know, or saying the roof was already bad. Stick to facts: when you noticed the damage, what happened during the storm, where water entered, and what photos or contractor documentation show.
Tell the truth, but do not guess
If you do not know what caused the damage, say that. Do not guess that the roof was old, defective, poorly installed, or damaged by a specific storm unless you have documentation.
A better answer is: 'I noticed the leak after the storm on this date. Here are the photos and the roofer's inspection notes.'
Phrases to avoid
- 'It has probably been leaking for years.'
- 'The roof was already in bad shape.'
- 'I just need insurance to buy me a new roof.'
- 'My contractor said you have to approve the whole thing.'
- 'I do not have photos, but I know it is storm damage.'
What to say instead
Use dates, observations, and documents. Explain when you first saw the leak, what rooms were affected, whether shingles or debris were visible outside, and whether emergency tarping was needed.
If a roofing contractor inspected the roof, provide photos and a written scope. Let the documentation do the work instead of trying to argue from memory.