What not to say to insurance adjuster roof?

Skip four phrases when the SC adjuster shows up. Don't say 'the roof has been leaking for years' because it hands them a pre-existing condition defense. Don't guess at the cause, because the carrier will use that against you to deny. Don't agree to a verbal settlement on the porch; ask for the written estimate with line-item pricing. Don't say 'the roof was already old.' Carriers use that to depreciate your payout to actual cash value, the older-roof payout, instead of full replacement. Have your project manager present at the inspection. South Carolina's three-year window to sue runs from the date of denial, so document everything in writing before signing a release.