/Hail Damage

:P

The insurance co`s don`t pay what it costs to do a roof properly,they go for the cheapest way out,they bring contractors unlicensed in my area to jobs I`ve quoted--price things like roof laborers to remove,and replace cedar sidewall shakes at 8$ an hour,rate roofers at 16$ per hr,never include costs like WC,AND EXPECTATIOON OF PROFIT,TELL uS WE CAN REFLASH A FIELDSTONE CHIMNEY-4'X3',ON 2 SEPARATE ROOF ELEVATIONS for 230$--figure measurements like 28,58 ft,instaed of going to nearest ft-we can`t buy pieces of shingles!,They don`t figure in waste materials---,and when the customer has a contractor,they attempt divide and conquer tactics,like telling the homeowner the roofers price is wrong,because I`m the one showing all the loopholes in their bid,and then telling the unsuspecting homeowners that they can get someone to do the job(even when that someone isn`t licensed,or paying bills in that area,Of course this could just be TRAVELERS INS`S WAY OF DOING BUSINESS-----REPREHENSIBLE,AND IRRESPONSIBLE,NOT TO MENTION DEFAMATORY TO HONEST CONTRACTORS

Sorry was late to the thread, but have not been on in while. Really don’t understand the comments in the thread either. We have an insurance carrier that is in the business to insure risk. The carriers underwriting department choose to take this risk on. The adjuster found a cover peril and determined that it would be cost effective to replace the roof rather than repairing the roof. To me, the carrier acted responsibly and correctly in their findings. Under no circumstance could the roof be repaired. This only builds customer loyalty for the carrier. Whether the roof should have been insured is irrelevant, we don’t know the carrier’s underwriting standards or the amount of risk they choose to take on. Just my thoughts

http://www.rooferscoffeeshop.com/rcs/users/MrShingle/

Send me the address in a private message bill @anythingweather.com and I can tell you with pretty good certainty if this home was affected by hail. We've completed about 500 storm specific analysis in the last three years.

Bill Combes www.hailwatch.com

When all else continues to fail, go to the top. If it's worth doing it's worth fighting for. B) :) :) B) Deep Down In Florida Where The Sun Shines Damn Near Every Day

Ciak, I disagree. There is a lot of bashing going on in this forum. Maybe you have elected to ignore a lot of the insulting comments but it doesn't take a genius to find them. I see them in most of the threads. Incredibly, they creep into a thread like this where a guy simply posts a roof picture.

I find it amusing that so many in here are worried that the insurance companies are the victims...especially when we find that the insurers intentionally underpay 90% of the claims we look at. We recently had one insurer offer 8k on a residential roof. They eventually agreed to pay 45k.

Do you think the insurer would have paid that claim if it wasn't justified? Where is the outrage about that kind of nonsense from the "experts" in here?

Good call coach. To say you don't get paid isn't exactly correct. I don't think there is a lot of bashing on here. Just ignorance and that can be changed to enlightenment. The "Oh yeah now I get it" moment. The bashing is on the other side too with adjuster talking trash about the contractors. Are you selling a service here? B) :) :) B) Deep Down In Florida Where The Sun Shines Damn Near Every Day

I know that this has been a debate and an informal thrashing of carriers and adjusters, especially independents. Let it be known though that a lot of the independent adjusters are roofers. Don't think we don't know what we are doing. On this roof. First thing as an adjuster that I go looking for is collateral damage. No collateral damage, very very unlikely there is hail damage. Second, If I was assigned this claim and the supposed hail didn't happen within a very small time frame of the assignment, then I am immediately going to look at this website NOAA Storm Eventshttp://www4.ncdc.noaa.gov/cgi-win/wwcgi.dll?wwEvent~Storms. It tracks just about every type of storm event that has happened in the US since 1950. Then I am going to poll other neighbors, local businesses within 1/4 mile, police department and the local fire department to see if they can recall hail in the area.

As an independent adjuster I have to justify to the carrier why I am paying for something. If I can support the assessment then its gonna get paid for, If I cant then its not. Carriers give independent adjuster very specific guide lines when it comes to hail and wind. Also we are audited, more so than the staff guys and if you are not aware of it, independent adjuster don't get paid to deny claims. Our pay is actually based on the size of the claim. So the bigger the claim the more we make. Gives me an incentive to find every bit of damage I can.

www.xactimatecoach.com www.xactimatecoach.com www.insuranceadjustertraining.net www.insuranceadjustertraining.net

Its better for an adjuster to pay for hail than for wind damage. Lots of carriers question a whole roof repladement off minumal wind damage. Of course this roof looks like a repair would be next to impossible making wind a plausible option. "

Some of the adjusters that I've met felt more comfortable paying for wind damage than paying for hail damage.Apparently wind damage is more obvious and less disputable than hail damage.I didn't argue with them on these issues for as long as they bought the roof.

For sure wind before hail but perhaps the adjuster saw something we can't see on our computer screen? To look at two pics and say there's no hail damage is a little quick to make an asumption. That would be almost like an adjuster saying no hail damage from the ground!

If you posted a close up of the heat cap and skylight and other soft metals we could make a guess if hail did or didn't hit this roof.

It's better for an adjuster to pay for hail than for wind damage. Lot's of carriers question a whole roof repladement off minumal wind damage. Of course this roof looks like a repair would be next to impossible making wind a plausible option.

EGG, not seen too many issues with XT30's or XT25's for that matter.

Regardless of what the adjuster paid for you got your home owner some money to put a new roof on.

Just when you thought you knew all there was to know about Hail damage/ insurance. http://andrewhammel.typepad.com/german_joys/2005/07/do_you_have_eno.html B) :) :) B Deep Down In Florida Where The Sun Shines Damn Near Every Day

The roof does have wind damage.If there are 5 missing shingles per elevation State farm would have bought that.

Very perceptive Tom. Ray Davies nailed it.. Dumb down?? Only if you participate. The world is a larger place from outside the front door. http://www.youtube.com/watch?v=RD_3rXGMV78 B) :) :) B) Deep Down In Florida Where The Sun Shines Damn Near Every Day

Very perceptive of you CIAK, and I can't disagree. This is where we meet our fork in the road however.

You seem to think we are dummying down. I say that we are dummied down already.

EGO? I guess I have one like most of the populace. (Not quite the elitist that you think I am, am I?) In a sound bite nation, I throw a few sound bites around. Which in todays world, means kill the messenger..... and continue w/ business as usual.

We all should a been actors. That seems to open every door

minnesotaroofin Said: yea not hail damage but wind damage -- i am sure that is what got it covered - doesnt matter the age of the shingle -

A mix of both, wind & hail. Insane that they insure these properties w/o inspecting them 1sr

twill59 Said: John nailed it. No I know longer have a moral issue with it,or the ethics. It is not only a trade of unscrupulous retards, but a whole nation. It is what it is. I got on board w/ everyone else. If everyone sez it is hail damage, then by golly it IS hail damage. Lets get that garage paid for too Mr. Homeowner Sir Dude!!

The Ins. Cos. have saved Certainteed, and others, tens of $ millions, I am sure

Can I do the roof please? B)

Clarify what CIAK? What is it that you dont see in those pics?