Will my insurance cover wind damage to roof?

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PostPosted: Tue Sep 09, 2014 10:47 am   Post subject:   

Quote:
The adjuster told me and my homeowner
If you are not the homeowner, why are you involved in this matter in the first place? You have no insurable interest in whether the roof "damage" is an insured loss or not.



As for a set number of "hits per square" -- that, to the best of my knowledge, is baloney. Either there is damage or there is not. If the damage exceeds the deductible, then there is an insured loss.


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PostPosted: Sun Oct 05, 2014 1:29 pm   Post subject: Refusall to pay for storm damage  

Farmers Insurance is unwilling to pay for interior damage to tune of $23,000 due to wind/rain storm. Claims roof is faulty even though they insured the house after inspecting the total outside per the new agent that sold me Farmers Insurance policies. Stay away from Farmers Insurance. Took six days to get adjuster here in AZ - he came in from TX - what a rip and no help from my Agent, who apparently just sells insurance per their adjuster, Mr. Zero. Sad


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PostPosted: Sun Oct 05, 2014 2:16 pm   Post subject:   

Quote:
Claims roof is faulty even though they insured the house after inspecting the total outside per the new agent that sold me Farmers Insurance policies.
Agents have no authority to tell you what is or is not covered when a claim occurs. They can only tell you what the policy is supposed to cover or not.



If the insurance company performed an inspection of the property, you could have a stronger case, based on a theory of reliance.



With property and casualty insurance, however, it is sometimes easier to force an insurance company to pay a claim based on the unauthorized words of the agent. It's called exercising "apparent authority" and it gets agents and insurers in trouble all the time. A skillful and knowledgeable insurance attorney might be able to help you.


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PostPosted: Sat Nov 29, 2014 1:04 pm   Post subject: Public Insurance Adjuster  

Hire a license Public Insurance Adjuster who is a ICC Residential Building Inspector, TDI Property Inspector and Haag - Roofing Inspector to legally represent you and you should be in good hands.



Don't be left paying the contractors the deducible and depreciation, we settle much more than the contractors and insurance companies.



We negotiate with insurance companies and homeowner negotiates with contractors!



Feel free to call us (713) 592-2482, we service Texas.


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PostPosted: Sat Nov 29, 2014 4:57 pm   Post subject:   

Quote:
Claims roof is faulty even though they insured the house after inspecting the total outside per the new agent that sold me Farmers Insurance policies




The home is much more then the roof. Would them not-insuring the home afterward make things right? Insuring a home is not a guarantee that something is not wrong with it. Do you have anything to document that the roof was not faulty and this is why it leaked? If it was not built correctly then you may have a claim against the party that installed the roof.


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PostPosted: Thu Dec 11, 2014 11:35 am   Post subject:   

The policy provider is only responsible for compensation for your roof damage due to wind, it protects only your home. Read your policy terms and conditions carefully again to make sure.

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PostPosted: Sun Feb 28, 2016 10:14 pm   Post subject:   

Quote:
WHEN IT COMES TO PAYING THEY WILL DENY EVERY TIME
If that were actually true, insurance companies would very quickly be out of business. This sounds like a complaint from someone who had a claim denied, but is not telling the whole story. Why don't you post the actual details instead of making idle accusations?


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PostPosted: Tue Feb 28, 2017 2:09 am   Post subject:   

if your roofs integerty has been compromised yes ur entitiled to a entire roof replacment due to the fact it voids manurfactors warranty


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PostPosted: Wed Aug 30, 2017 6:49 pm   Post subject: replace the roof  

i have Allstate and 3 houses in the DFW area that got some hail damage. I called a roofing company for estimates and he said he recommends requesting a full replacement for each of them. He said i had a 50/50 chance of them approving 1 house initially and the would deny the other 2 with initial estimate and when they do i was supposed to ask for a second opinion from a different adjuster ( it will always be the first adjusters supervisor, that is how he evaluates him) and i told them i wanted to be present up on the roof so they could educate me on roofing policies. They have no choice. when the next adjuster arrived for a scheduled appointment , two people from the roof company had arrived 30 minutes before to check out the roof again, he said he was going to take a quick look, after 10 minutes he came back in the house and started to show me some pictures, i said lets go back up on the roof and look at the real thing. he showed me a couple squares drawn in chalk with some circles in it and said the circles where hail dents and there were not enough in the squares. i forgot the number required, but i was less then 50% of the required. the roofing company guys opened a bag and snapped some rubbery type pieces together that made the same size square and tossed it about ten feet away, drew and outline in chalk then did it two more times. then asked the adjuster to circle dents. they helped by finding the ones he missed, all three new squares had more dents then needed. yes, the roofing guys new exactly where the most dent would be. the adjuster said no problem, full replacement. He asked the 2 roofers if they would be joining us on the other two inspections would have an area they could outline and meet the requirements. they said they would be joining us and they could not even come close to finding enough dents but they are older and they could 100% guaranty that if they started doing a repair they would have to replace the felt underlay because it has nail holes in it and because there are uncovered nail holes they must pull off surrounding shingles to check for water damage. after removing all the shingles they would have to replace the felt no matter what. they could put the same shingles back on but there customer would not like the difference in the new and old weathered shingles. without even looking he approved the other two. the roofing company gave me $2500 cash for each house if i would put a small sign in each yard saying they replaced my roof for 30 days. yes, that is the same amount as my deductible. Allstate agreed to pay for upgraded underlay and shingles because the guaranty on the expensive ones would cover the cost of replacing them for 20 years. so i got 3 replacements, spent $0.00 , got all premium upgraded material, and my premiums went down over $100.00 a month on each house because they have a brand new roof. If your roof is 2 years old or fifteen years old, you pay the same premium, i prefer to keep mine new.


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PostPosted: Thu Oct 19, 2017 8:04 pm   Post subject: roof wind damage - Google Earth  

We experienced wind damage that caused neighbors to replace roofs. We made a roof claim. Our roof had been damaged. However, the adjuster used Google to go back several years and identified "prior damage." He stated that we needed to file multiple claims to cover the old roof damage we should have previously discovered. We do not entertain on our roof.



Is this normal and accurate??


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