Venting

hatrick Said: I actully told the insurance guy not to blame me, but to place the blame on his(the H.O.s) roof. He should have the courage to deny the claim without using me as a scapegoat. This wasnt a close call or a tough decision to come to. The roof was missing all the grnules. the tabs were all still on the roof, but you could see wood between all the tabs. IT WASNT CLOSE!

Uh CIAK, this is called honesty. Sorry if you can't understand it. The definition is in the dictionary. Try looking under "H" Should be in there between hemmorhoid and hormone>>>

I actully told the insurance guy not to blame me, but to place the blame on his(the H.O.'s) roof. He should have the courage to deny the claim without using me as a scapegoat. This wasn't a close call or a tough decision to come to. The roof was missing all the grnules. the tabs were all still on the roof, but you could see wood between all the tabs. IT WASN'T CLOSE!>>>

I think you possibly got ahead of yourself Hatrick . Not knowing the end result of where your line in the sand should be drawn . Sometimes the best lessons are learned when we make mistakes and step into an unknown area. All this visceral spew only fans the ignorants embers . IMO and Opions of others including this quote . "It is better to suffer wrong than to do it, and happier to be sometimes cheated than not to trust." - Samuel Johnson . Not much of the vast knowledge I've learned has come from good times. A warning , Listening to some who spew visceral froth is a lesson I recommend for the UNHAPPY people . You will remain so if you do. I agree with ED's principle. I've made similar mistakes giving opinions and have had some unanticipated results. A valuable lesson learned and another black and blue much needed diploma to hang on my wall of fame listed under " naivete ".>>>

Hatrick was asked a question and gave an honest answer Ed. I doubt you would have acted differently, and most of us here would provide nothing less than an honest, professional opinion.>>>

That adjuster needs his a$$ canned. If he doesn't know anything, what in the heck is he doing in this profession?

A bunch of phucktards playing w/ Daddy's money. Leave your integrity at the door Sir. You are now in the roofing industry.

I don't care if CIAk is 101% correct in his perception of this industry. It stinks, it stinks and it stinks. there is no perfuming this pig w/ $'s. All 101% of it. It still stinks.

Did I say it stinks?>>>

Rather then tell them what you thought, don't you think there that the adjuster should have made the call.

You shouldn't tell anyone something that you wouldn't want to come back and bite you in the azz.

When the adjuster would have come out, the denial would have been on his shoulders, and seemingly rightfully so, because it sounds like it should have been denied, but now you made enemies in that neighborhood.

You can be honest and silent at the same time.

Ed>>>

Aguy here called me about his roof.It was about a 30 year old 3-tab roof, he said had storm damage. We don't get damaging hail or anything like that here. No tree fell on his roof. It was just really old and should have been replaced 10 years ago. The insurance company was replacing computers and stuff inside the garage. It was the garage roof. I', not positive it had electricity in the garage. I am sure no one would use a computer in this garage. But the insurance was paying to replace them. I left an estimate with the homeowner. He sent it to the insurance company. They called me, said they were sending an inspector and asked what I thought. I told him not to tell the homeowner, because I wouldlike the roof job abd because i live in the area and don't want a homeowner angry with me because his roof was turned down, but that the roof was just really old. There wasn't any spot where a tree hit it or anything or any damage anywhere. A few days later the H.O. calls me screaming saying the ins.guy told him his adjuster thought the roof was damaged but that I had told them it wasn't, it was just old, so they weren't paying. Now the H.O. hates me, he's telling all his friends what an idiot I am and how I know nothing about roofs and the insurance saved the payout. So much for being honest!>>>

:laugh: c'mon tico the banks and governments pockets are so full of our money....... this is just grease for the wheel :angry:>>>

it's one thing when their is hail damage.most storm chasers want to stick around after they've sucked up the real damage,then get neighborhoods with margainal(which by my standard is nothing that should be replaced)damage. thats where the shingle is barely scuffed.they will rub out spots.some have bolts through the toe and heel.when they inspect the roof they don't even bend over. they will damage the roof as they measure. then they will run through the 3 in-house adj.'s and then get an independent.he's gonna push the job. we've got to get the ins. co's to reformulate their plan of replacement. many of the areas that get storms are the same places year after year. I've seen dimensional roofs that are 2-3 myears old get replaced,that by God could have gone 4-5 more years without water infiltrating. scuffed shingles that have the granules knocked off without being dented will last A few years more. I think the ins. co's. could do themselves A favor and allow the homeowner that they will get A new roof. create some type of program that makes it ok to potpone the replacement over the next 2 years. what this would do is put the work off,the roof will see 2-3 more storm seasons and then create the timeline so that it does not correspond with hail season. if you kick the rebuild into the off season the chasers have no way of being able to re-locate for standard replacements. I worked for one of the largest co.s out there.they made me realize one very important fact. it is no longer A trade it is A corporate industry.>>>

..........no Tom.... you need somebody who's bent who REPRESENTS an insurance company..>>>

Like Chuck said, you are doing it wrong. Being honest just makes you a hardworking chump taxpayer. The name of the game is lying, cheating and stealing. To make this crime pay, you need a connected partner however. Such as...... an Insurance Company!>>>

Handnail i have seen the same thing - although i would have to say a storm came through the area - As far as the damage i have seen several claims paid upon 1 dent 1 crack 1 missing shingle etc as long as a storm date has been determined - If products are old they are most often considered unrepairable in order to get full replacement. Makes us guys look bad i know when you look at 20 year old faded siding or 20 year old roofs falling off houses and us saying hey its old age when in fact you could spit on an old shingle and crack it. This is where insurance companies underwriting should involve inspections before insuring a property. Unfortunately it is much easier for them to determine pricing by zip code and pay claims and adjust premiums as necessary especially since pricing is not goverened by any state or federal agency they can raise rates and their profit on an as needed basis so the more damage they cover the more they can raise rates. I have complained a few times and have done a few independant inspections for some commercial claims they do not require any type of inspection before a property is insured and are understaffed in their own words to enforce or check the accuracy of the claims they are paying out - And for good reason it is much more difficult for them to admit the adjuster made a mistake and the property being told their property cannot be covered which would not fly they would pay anyhow - second they would have to pay quite handsomly for a reinspection of the so called damaged property at their own expense and further more it would have to come from a respectable qualified engineer in no way assoiated with them in order to stand a chance of overturning a claim. So they say they send out in house inspectors to qualify or check accuracy of claims and if off they fire orinal adjuster.

Good news now is economy is tight and the banks that back the insurance companies are getting tighter forcing insurance companies to raise deductables or rates past the point of economicly worthwhile for the homeowner.

So if i take my home for example about 15k new roof and siding i pay $1400 or so a year so every ten years i could save the money paid in premiums and the $2000.00 deductable 1% and get new roof and siding every ten years - Now my roof should go 20 easy and my siding 30 so why should i ahve insurance? -- well at the rate storms are coming through here with them covering marginal damage and the manufactures changing styles and colors every 5 years i will have a new roof and siding every 5 years if i carry insurance so why would i drop my insurance - You see why the insurance company covers marginal cause they have to make it worth while if i let my roof go past 10 years i would be overpaying.

I wish dateline or someone would do a story on this scam - Funny thing is all the news stations i called were told by the dept of labor and industry something that turned them off - What i mean is i sent an email to all the local stations here in MN i was contacted next day by all of them and told them about marginal damage being covered,illegal crews, Hiding deductables, Giving kickbacks, Homeowner spending insurance money etc and gave particulars - I had appointments set with 2 stations reporters to follow shingle and supply trucks to job sites both were no shows and would not answer my calls - a week later i got a call from the senior investigator from Dept of labor and industry telling me that this type of unethical behavior is expected in a catastrophe or storm event and that they are way understaffed to follow up and to just let it run its course. and by contacting the news stations was just going to give them added stress to the investigators they had at the time and that it could possibly be something i could be sued over for rights of privacy.

So your best bet is to learn the new way of doing business with insurance companies and the next time you see a dent on an old aluminum house note it in your

We discuss this a lot over here and other forums.

Stick around and you will learn a lot of good information and misinformation.

It will be up to you to see which points of view are correct and steer you the right way.

I have been in the exact same boat as you, so i know how you feel.

Welcome to the forum, by the way.

Ed>>>

CIAK Said: Handnail You said you have been in this area 1988 . Now there was a hail storm in your area in 2008 . If these facts are true . Im a little confused as to why you never got a call for hail damage . Have you invested you time in some insurance programs . I cant imagine you not being aware of insurance work unless this was an isolated storm . I have been sounding the clarion The future of residential business is insurance money. I base this claim ( no pun intended )When children used to be the insurance company of their parents . Back in the day children 9 or 10 were usually paying their own way in the house. During my lifetime families have become smaller and so less children more insurance dependence. As families grow smaller and further apart insurance has been used more and more against risk . IMO

Thanks for the reply! I lost my internet service for a while. The reason i didnt get the calls is because there was no damage. These homeowners dont know what storm damage is. There just lookin for free home improvements. This is a scam.>>>

Handnail You said you have been in this area 1988 . Now there was a hail storm in your area in 2008 . If these facts are true . I'm a little confused as to why you never got a call for hail damage . Have you invested you time in some insurance programs . I can't imagine you not being aware of insurance work unless this was an isolated storm . I have been sounding the clarion The future of residential business is insurance money. I base this claim ( no pun intended )When children used to be the insurance company of their parents . Back in the day children 9 or 10 were usually paying their own way in the house. During my lifetime families have become smaller and so less children more insurance dependence. As families grow smaller and further apart insurance has been used more and more against risk . IMO>>>