by Guest » Sun Mar 22, 2009 08:19 am
We recently have had our roof damaged by wind. The independent adjuster told my husband to fix it himself. The Allstate adjuster said there were 31 shingles that needed to be replaced, and would not pay for such wind damage to roof at all. Why should we settle for a spotted roof,when my friend has State Farm and got a new roof on her house, garage and pool house. She said there were only 10-15 shingles damaged on her house and her garage and pool house was not damaged at all. The adjuster told her he wanted everything to match. Do I need to call the State Dept. of Insurance, get a public adjuster, send nasty letters to the home office or what. Because if I do not get a new roof i will get my satisfaction in another way by slamming Allstate on message boards, chat rooms and if i have to have a spotted roof i will get 31 blue shingles and put a huge sign in my front yard stating THIS HOME IS INSURED WITH ALLSTATE. Thanks for any response.
Posted: Sat Mar 09, 2013 03:08 pm Post Subject:
I doubt that statement is accurate.
Posted: Tue Mar 12, 2013 01:50 pm Post Subject: Insurance in general
Most people think if they have insurance for 5 years and have no claims they have been screwed. The carrier did provide you with coverage for 5 years. It is intangible, but coverage existed. If someone was injured on your property the carrier would have responded. If you have health insuuance do you hope to get cancer so you don't "Waste" your money on health insurance?
Posted: Mon Apr 01, 2013 03:04 pm Post Subject: Full Roof Replacement: It might be law
I read through many posts here, most seem to stem from good rationale to make a case for or against full roof replacement after partial damage. But rationale is as good as how well informed the person is about something called Statutes or State Law.
In the State of Florida, the current Residential Building Code requires that if a roof that is repaired more than 25% of its surface such roof MUST be brought up to current code requirements. Technically any roof that was permitted prior to the 2004 FL Residential Code MUST be replaced entirely, otherwise the Contractor is violating the law.
So does it mean that your insurance company should pay for an entire roof if you have a few blown shingles? Most likely yes, it depends on how concentrated or spread out those shingles are, but if a blown shingle made the roof leaked, most likely the repair is not only replacing the shingle as water infiltrates the substrate, drips down the slope and find its way in a few feet away from the damaged shingle, uncovering a portion of the roof to find the extension of the infiltration can easily account for 25% of the total roof area.
BTW, I am an architect.
Posted: Mon Apr 01, 2013 04:32 pm Post Subject:
So does it mean that your insurance company should pay for an entire roof if you have a few blown shingles? Most likely yes
Many insurance policies exclude coverage that are related to code upgrades only. As such, carriers would not pay for the entire replacement on 1st party claims. 3rd party claims are subject to local laws. Even if a carrier were to pay for entire replacement in those cases, the depreciation/betterment applied would really be equal to everything required only due to code. That is, the carrier would still only be paying for the damaged section and no more.
Posted: Mon Apr 01, 2013 05:53 pm Post Subject:
"Many insurance policies exclude coverage that are related to code upgrades only"
You just said it. The replacement of the roof is not happening because the owner wanted a code upgrade, it is happening because there was damage and an area in excess of 25% of the roof surface is going to be altered by the repair and the law stipulates that it MUST be done per current codes.
I do not know what the UT State Statutes say, in FL it is clear and all contractors will refuse to perform a spot repair as they will be violating the law. The homeowner will take the case to court (if it goes that far because there is a mediation phase) and the homeowner will win without breaking a sweat.
If the homeowner is well informed and does not swing at the first pitch from the Insurance Company he will end up with a full brand new roof after paying the standards deductible for perils.
If you want to post an informed statement read Florida Statute "§ 626.9744. Claim settlement practices relating to property insurance:
"Unless otherwise provided by the policy, when a homeowner's insurance policy provides for the adjustment and settlement of first-party losses based on repair or replacement cost, the following requirements apply:
(1) When a loss requires repair or replacement of an item or part, any physical damage incurred in making such repair or replacement which is covered and not otherwise excluded by the policy shall be included in the loss to the extent of any applicable limits. The insured may not be required to pay for betterment required by ordinance or code except for the applicable deductible, unless specifically excluded or limited by the policy.
(2) When a loss requires replacement of items and the replaced items do not match in quality, color, or size, the insurer shall make reasonable repairs or replacement of items in adjoining areas. In determining the extent of the repairs or replacement of items in adjoining areas, the insurer may consider the cost of repairing or replacing the undamaged portions of the property, the degree of uniformity that can be achieved without such cost, the remaining useful life of the undamaged portion, and other relevant factors."
Posted: Sat Jun 22, 2013 10:02 pm Post Subject: Roof replacement
Insurance companies only cover what is damaged by the storm, if only half a roof has wind damage, the policy is meant to cover that. Policies may or may not cover "matching" and may or may not have "reasonable appearance or gross mismatch" language. It usually comes down to whether or not the roof is repairable. If two shingles are missing, and the shingle cannot be repaired without damaging others than that roof slope may warrant replacement. If multiple slopes have missing shingles and are not repairable then the roof can be replaced. Some of the above statements can be incorrect because they are assuming all polices are the same. Insurance companies can and will pay to replace one or two shingles or even half a roof, you pay premiums to cover unforeseen events that cause damage to your home, your policy is not a maintenance program or meant to beautify your home. If you file a claim from a large storm or weather event then it is likely that many folks in the area are also, your rates may not go up individually but a year or two later the insurance company could raise the rates of everyone in the area whether they filed a claim or not. No contractor has a 100 percent success rate in filing claims, never sign a contract with a contractor before the insurance company has come out to inspect the damage and determine if your policy covers it. Many homeowners end up paying more out of pocket than what the policy covers because of how roofing contracts are written. If a roofer says just sign this and we will represent you and make sure the roof is taken care of, still don't sign it. If the roofer really wants your business he doesn't need a contract, he will come back out and do his job.
Posted: Mon Jun 24, 2013 05:08 pm Post Subject:
you pay premiums to cover unforeseen events that cause damage to your home, your policy is not a maintenance program or meant to beautify your home.
andMany homeowners end up paying more out of pocket than what the policy covers because of how roofing contracts are written. If a roofer says just sign this and we will represent you and make sure the roof is taken care of, still don't sign it.
Excellent comments. You should join us as a member.
If the roofer really wants your business he doesn't need a contract, he will come back out and do his job.
This may be true, too, but I would never recommend entering into an agreement to perform such work without a contract.The proper time to create a contract is AFTER the insurance company has evaluated the loss. Having said that, a homeowner is required by the terms of his/her homeowner's insurance contract to "mitigate" the potential for additional damage. When an insurance company unreasonably delay the investigation of a claim, and the delay would result in additional damage, it may be necessary for a homeowner in some circumstances to enter into limited contracts for the minimum work needed to "mitigate additional loss" without signing one's life away for repairs the insurance company will never approve.
Roofing damage is one of those things that can be a major bone of contention between insurers and insureds. The contractor obviously wants to replace the entire roof because that's more money in his pocket. The insurance company wants to minimize the claims payment because that's more profit to show investors/policyowners. It's a tightrope both sides walk.
As Honest Advice says, a whole new roof may beautify one's home, but not at the expense of the insurance company when unnecessary. Insurance is not intended to provide a profit.
Posted: Tue Sep 09, 2014 04:11 am Post Subject: Allstate
Allstate is a great company if you own 1000 shares of it. You can make bank because they do not pay for anything. If you think you are in good hands get hail or wind damage, call for an adjuster to come out , go sit in your tree outside your home and I bet you get hit by a airplane before Allstate buys your roof. The adjuster told me and my homeowner that the roof needed 40 hits per square for hail damage after her ladder assist found 10 to 12 hits per square. I told her she was full of **** in front of the homeowner and she said and I quote " I have 40 years experience young buck I have been doing this longer than you are old" I requested for an engineer to come look at the roof. My homeowner and I told that engineer what the adjuster said about 40 hits per square and he laughed saying and I quote "I have never even heard of 40 hits per square" and to the engineers request the roof was replaced. Thats what 40 years of experience gets ya a real adjuster pro. lmao all them adjusters are under worked and overpaid there freaking lazy as crap and just do not wanna do the paperwork. Allstate blows ballz. Dont ever use them and if you do use them drop them immediately before you fall out of there hands. I would stick my junk in a toaster before I used them.
Posted: Tue Sep 09, 2014 10:47 am Post Subject:
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.
Posted: Sun Oct 05, 2014 01:29 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. :(
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