Exterior Inspection & Insurance Claim Help: what to know
Have your own document
An adjuster produces an estimate. So should you. When a local contractor has already walked the property and written down which elevations were hit, which components are affected and what the repair actually takes, you are comparing two documents instead of reacting to one. Where they differ you have something concrete to raise. This is not adversarial: it is how the process is designed to work.
Document before you clean up
The most common mistake after a Kentucky storm is tidying the yard before photographing it. Debris on the ground, panels that came off the wall, hail still lying in the grass: that is what ties damage to a specific event on a specific date. Photograph all four elevations even if only one looks hit, include something for scale in hail photos, and keep the original files with timestamps intact.
The matching question
On siding claims the hard part is rarely whether damage occurred; it is how far the repair extends. Faded color and discontinued profiles mean a patched elevation may not match. How your policy treats matching varies, and it is worth asking your insurer directly and early rather than at the end.
What this is not
Bluegrass Exterior Pros is an independent directory and referral service. We are not a contractor, a public adjuster, an insurance professional or a law firm, and nothing here is legal, insurance or financial advice. We connect you with local Kentucky contractors who can inspect and document exterior damage.