The line between storm damage and an old roof is where most residential property claims are actually decided, and it is decided on paper rather than on the roof.
An adjuster is applying a policy to a set of facts. Most claim disputes come down to whose description of the facts was written down first and in more detail.
A complaint lands in a queue, in front of a person with a script and limited authority. Knowing what that person can and cannot do changes how you write it.