Weird Post from Elsewhere

"I have a customer with a 40 SQ full-weight concrete tile roof. The insurance company, State Farm, has agreed to replace the roof due to hail damage. However the settlement for tear off and replacement of a very cut up full weight concrete tile roof is $20K... $500 per square. I supplemented the claim to be in line with local building codes, but the adjuster denied the majority of the supplement. The supplement is not unreasonable.

Here is what was supplemented for: 1. The roof was measured at 34 SQ by the adjuster. I ran an Eagleview, which came back at 39 SQ. - this was approved. 2. The adjuster included tear-off and replacement of cement fiber roofing, the tile is a full weight concrete tile. - this was denied. 3. Manufacturer's installation instructions for the existing tile require ice and water shield. Local building code requires replacement per manufacturer's installation guide. - this was denied.

To add insult to injury, the adjuster talked trash about me to my customer, implying that another roofer would have handled the supplement differently.

What can be done in this situation?"

Does anybody other than OS and I see a major issue with this?

(BTW, my advice was to tell the adjuster to do it himself.)

I worked for 4 months with the insurance company on the big tile Job I am fixing and have been posting pictures of. It would not surprize me if some of those numbers start to come up for the rest of you because of the information I have given them about the job. I am going to send a full file of all of the pictures and the descriptions of the work to them so that they can have an idea of just what goes into something like that.

They admitted that they didn't know how to figure it because they run into it so seldom. Don't give them a hard time, but at the same time, don't setle with them either. They are looking for the numbers, and what do they have to go on? Very little I am afraid. It is up to us to supply the correct numbers, and if there are not two winners and possibly three in every contract, something is wrong. the insurance company must win, the homeowner must win and the contractor must make a profit or there will be one less of those three.

Exactaware is the going out of business rate and has been purchased by the insurance industry to manipulate pricing and have no respect or belief in thier pricing guidelines or how they get thier pricing by random calls to local roofers in the phone book.Who will quote low numbers on the phone to get an imaginary job from the exactware fairy! :laugh:

So i can tell you from recent experience that exactaware has no clue how to price a tile roof, the adjuster had the complete breakdown from eagleview on this roof.We sent in our quote and have been waiting to hear back,but im sure the insurance company is telling them to shop it.

I recently had a hail claim on a ludwieci s tile red spanish til roof, so i eagleviewed the roof and sent to an adjuster we know and paid him to run it through exactaware. It came back at $150,000.00 for roof and copper work from exactaware, well i sent the eagleview to ludwieci they sent back a material quote close to $150,00.00

He is "thinking": "I have no idea what to charge to do this. I know! This desk jockey over there at thet Exactimate company can set the price for me!"

Welcome to Roofing 101--2012

The funny part ain't happened yet.....wait 'til the subs from Craigslist show up B)

Maybe he should do like some do here: "I dunno Mr. Homeowner. How much do you pay?"

Oh, I missed that. Heck, the tile underlayment and accessories costs about that much with freight. What is he thinking?

Yeah, but look at his bid! "very cut up full weight concrete tile roof is $20K... $500 per square."

How many other roofing forums are there? I go to slate roof central too.

Insurance is the prefered financing method today i am afraid.

That other forum is rather weird in itself. Or just about storm chasing and all the bad news.

It is disheartening to go there and read what these wazoos are doing. Some of those guys are quite good I admit,(Authentic Dad & that Larry guy for example) but it seems that finally some are getting a clue about insurance work.

Oh, and then there's this tinner guy who likes to stir things up :laugh: