What scares insurance adjusters?

On a Florida hurricane claim, photo evidence, dated NOAA storm data, and a licensed roofer’s written scope most often shift an adjuster’s offer. Florida adjusters work from a software estimate (usually Xactimate) that produces a low first number. Specific counter-evidence forces a supplement. Drone photos of lifted shingles, creased tabs, and exposed underlayment make wear-and-tear arguments harder to sustain. A NOAA storm report tying damage to a named event closes the timing question under the hurricane deductible. Florida Building Code citations (the 25% reroof rule, current underlayment standards) force coverage of items not in the original estimate. Florida Statute 626.854 limits what your roofer can say directly, but they can document the scope.