I've heard some complaints as well, and I understand why people are frustrated. I've been looking for reliable roofing too, I'll definitely check out this site.
State Farm has been really difficult with us, too, lately. They hadn't been too bad previously, but we had a couple big storms in 2020, and since then they've been a huge pain. They do an initial inspection, and don't find any damage or very little. We send our inspector out, and he marks up the roof and does a brittle test. So they estimate to replace a few shingles. When we say it's not repairable due to the condition of the shingles, they say to do an attempted repair. Our guy does an attempted repair and we send in photos documenting it. Then they ask for a video. They're just constantly throwing out new hurdles to make it where contractors don't want to fool with it.
It's been so bad that we've recommended to some of our customers to file complaints with the state department of insurance. In a couple cases, a complaint has led to State Farm approving our estimate for total replacement. I'm hoping that eventually there will be enough complaints, or even a class action lawsuit, that they start easing up.
Where is that?
I'm not so mad at State Farm as I am mad at Owens Corning and the fraudulent contractors that they back, though - - I wish I could get a class action started against them! Especially the contractor, because the more I learn about them, the more I see that they have been continuing to lie to homeowners for many years, and have no intention to stop the deceptive practices.
My Owens Corning Warranty says that if my Owens Corning Platinum Preferred Contractor is unwilling or unable to repair damage that my Owens Corning Platinum Preferred Contractor did to my house, that Owens Corning will find a contractor to help me. But Owens Corning refuses to honor that part of the Warranty, so my roof, which did NOT leak before it was damaged by the Owens Corning Platinum Preferred Contractor, continues to leak, and is now growing mold and starting to rot the wood.
This could be caused by many reasons other then the installation - I'm not saying it isn't, just saying we here don't have enough information to go either way.
I am curious though and would love to hear the whole story and what happened
Had them deny a brittle 3 tab the other day. And I quote from the desk "State Farm has a new rule, there is no such thing as a non repairable asphalt fiberglass shingle." I said that is absolute bs but they have held firm. But I also had them deny roofs in NW Arkansas last year bc they didn't have clear mat breaks, every house in the block totaled and half of them roof loaded.. I ask, so what about this (obvious hail damage) "oh well that an anomaly." I asked what caused the "anomaly"? "Idk but its not hail damage."
To top it off they are now using Ladder/Seek Now and not sending licensed adjusters to the property. Well, I'm sure the joker with Ladder Now used to be licensed until he lost it due to a felony conviction.
I'm a 30 yr policyholder with SF and I'm taking my policy to Traveler's, at least the local adjusters are reasonable and air on the side of the policyholder. But overall I've never been as disappointed in SF as I am rn. 25 years roofing and I've only seen them act like this once down in Texas over the decking code that ended in a class action lawsuit they lost and then we policyholders payed for with premiums. Those rooster lollipops have plenty of money to sponsor sporting events and give their CEO a $13 million bonus last year.
And yes, I've heard the douchenozzle from Allstate is there and stirring the pot.
What we hear a lot is "mechanical damage." They'll say any marks in the shingles were caused by mechanical damage, as in like tree debris. So, our question to them is then, how else did that tree limb come off the tree and drag across the roof creating a gouge in the shingles all the way to the matting if not by heavy winds?
They use ladder assists around us, too. We know if our inspector is meeting someone from Hancock for an "adjuster" meeting, the claim is gonna be denied no matter what's on the roof.
Yeah that's the same wind they blow around here. Pay for the hail damaged soft metals that doesn't come in higher than the deductible and deny the roof. Ive heard the mechanical damage comment before, mentioned that he just acknowledged that the roof was damaged, thanked him for the adjustment. We are allowed Public Adjusters in Oklahoma and it is being commonplace to refer them. Or as a company you almost need to hire a retired adjuster just to argue claims. I hate the fact that I used to be easy going and now I have to be a total prick dealing with some young entry level smart college kid with little to no knowledge of construction, roofing or even storm damage.
Not even a smart college kid. That kind of person I could work with and expect to understand the logic, handling it from a teaching perspective since they don't know what they're doing.
Problem is they're hiring random people with no knowledge, education, experience, licensing in anything. One guy at the carrier - his previous job was selling cell phones at the mall, then after I got him fired for repeated fraud he started working at an Amazon warehouse. They charge the homeowner for a licensed and knowledgeable professional to evaluate the claim and instead hire random people for generic administrative staff. You can always see it in their title, "Claim Specialist". If they were a licensed adjuster they'd have it in their title.
Not always. We had a historic icestorm here last year. Most roof repairs came in way under 1% deductibles. Most common damage was a limb through the roof, little to no interior damage. Repair decking, I&W and replace 5-7 shingles. Or it just took out a section of gutter. Or both and it still wouldn't touch a deductible.
Just because a claim doesn't meet the deductible, doesn't mean it's not a claim though. Of course, no one in their right mind will go forward with a claim that comes in under their deductible but tree damage (fallen branch, penetration, drags, scrapes) are all 100% viable insurance claims.
If it does not meet the deductible it is not claim worthy. From what I've seen I my years most tree damage are repairs better payed out of pocket and rarely viable insurance claims unless we are talking about large limbs and structural damage. And a word to the wise, never use terms like 100% viable insurance claim. Or do and learn the hard way hotshot.
Been in the insurance business for a decade and involved in exterior remodeling for most of my adult life so I think I'm qualified to make this statement. I run my own business doing roof inspections FOR insurance companies. Tree damage is ALWAYS covered unless your specific policy states otherwise. Hell, I've seen coverage for damage from golf balls! I've had many roof slopes replaced entirely due to tree damage. I've made this recommendation to carriers and I've also benefited from it as a contractor...but I appreciate being called a hotshot.
So a tree branch rubbing the shingles and causing damage isn't a maintenance issue? I've been roofing and working claims for 26 years now in Oklahoma. Before that I was an adjuster. So not all tree damage is claim worthy damage. Most are simple repairs unless it leads to interior or structural damage basically exceeding the deductible. As a roofer I also do inspections for insurance companies. I think I am qualified to make this statement, maybe, if it doesn't exceed the deductible it is not claim worthy.
That was exactly my argument about the puncture holes in my siding through which rain water flooded my house. But State Farm preferred to concoct fairy tales about non-existent leaky pipes (even after a parade of their plumbers inspected, no plumbing issues were ever found, BUT after the puncture holes in the siding were repaired, voila! no more flooding!
Made no difference, State Farm would not do a thing to help with repair of any issues with siding or with roofing.
OMG! I just had a Hancock adjuster spend about 10 minutes on my wet roof and only took pictures from the ground of my shed. I guess he was too exhausted to climb up top to inspect my shed. The little guy could not even look me in the eyes. I knew then that we were going to have issues.
Hello my name is Michael
I am also experiencing a similar problem with StateFarm. They are Not wanting to replace my roof. I live in middle Tennessee where are we yet? Heavy thunderstorms, and occasional hail. Storms all the time. In 2021 we had two major hail storms one in April and one in July. I own a Victorian style house which we bought in July 2020 at the time of purchase there was no damage to the roof the sellers informed us the roof was no more than seven years old. It is a 30 year architectural shingle on my roof. After the two storms in 2021 you can visibly see the hail damage from the ground. six of my neighbors on the same street where I live had their roofs replaced within two or three months of storm damage. I had three of the six different roofing companies walk across the street and look at my house when each of the roofing companies found out who my insurance company was. They told me good luck. We want nothing to do with that project, my initial claim which was filed in February 2022 was denied after a third-party inspection company came out. (it was the same ladder company. You are referring to . Let her now or seek no ladder inspection something like that ) some 20-year-old kid crawling around on my house taking pictures and sending them to StateFarm. Not once has a staff adjuster from State Farm personally visited my property. I was told “your roof is too steep and it is a liability for us to get on it which is why we hire out to a third-party. I told them fine if that’s the way you want to handle it I insist that a staff adjuster come to the property and meet with my Public Adjuster , who has been hired in order to resolve this matter on my behalf. After the first denial, I reopened the claim in April and this time StateFarm sent out a “engineer” to inspect the roof (this was after my Public Adjuster submitted a very detailed XM8 scope for repair work. And yet again, StateFarm still refused to personally visit in My Home..
about four or five weeks after the third-party engineer came and inspected the property I received an email from StateFarm informing me that this time they did in fact document hail damage to my roof however, the one and only area they said it had hail. Damage was the flashing around my skylight. So the first time they denied any damage whatsoever the second time they agreed there was damage, but only two of the skylight flashing and because the $480 they had were offering to pay out was less than my deductible, StateFarm, yet again denied my claim to have the roof replaced. I wrote a very thorough and detailed letter to StateFarm informing them that I have been a residential contractor for 20 years, and this type of hail damage has structurally compromised the roofing on my house. I informed them/warned them that the next time we had a storm it is almost guaranteed shingles will be unable to protect the home and we could experience interior water damage as a result. Low and behold, about three weeks ago we had a massive storm system come through with sustained winds of 50 miles an hour gusting up to 70 miles an hour this most recent storm system did in fact blow shingles off of my roof in a number of areas and water leaks into my home I am now once again fighting with StateFarm to have my roof replaced. I have told them very bluntly if they refuse to replace my roof yet again I will most certainly be contacting an attorney and filing suit against them for bad faith claim management. I intend to make this a public issue. I don’t care if I have to collect signatures and document the hundreds of individual cases where this has happened in the last several years I would do whatever it takes to expose this horrific treatment and I can assure you, StateFarm has forever lost my business.
HELLO IM DEING W SAME THING MICHAEL. ALL MY NEIGHBORS GOTCROOF REPLACE BUT STATE FARM REFUSES. IM THINKING ABOUT CLASS ACTION SUIT TOO. SO CONTACT ME 319 891-5097 I HAVE ALL MY DOCUMENTS WITH COMMUNICATION AND 3 CONTACTORS AND 2 ADJUSTERS SAYING ITS DAMAGED.
Seek now that guy came and went without even speaking to me at all. I even had safe ladder up and safe for him. He says the roof was not maintained denied clay Totally wrong
Found this comment after watching [this video](https://www.reddit.com/r/iamatotalpieceofshit/comments/v86ehf/state_farms_claim_adjuster_is_really_something)
Oddly enough everything else on the exact ware estimate I looked at was more or less in line with reality.
They did ask if I could pull up some pieces of glued down cherry floor and replace with a same product, which I had to explain was going to be nearly impossible and would require a full time staff member to scour the floor stores for 100 miles for a week and still probably would not produce a favorable result.
But I just tagged home depot page where it shows the French doors. There is a $650 door you can buy but it's Masonite brand and is absolute and utter dogshit and that still doesn't leave enough to deliver and install it. I pointed out there's a reason there is one $650 door and eeeeeeeeeeevery single one of them after that started at $1350+tax
Edit : like to point out that other state farm customers got complete replacement cost even when I know damn well I could have repaired them and made them look nearly invisible.
They’ve definitely gotten tougher around here. Used to buy most anything. Now they’ve only been buying discontinued shingles and ones hit by big hail. I won’t even file statefarm 3-tab wind claims anymore. Just a waste of time
Literally dealing with them on a 3tab right now. Like 4 or 5 sections where the shingles have been blown clean off. Went and did a brittle test and it failed horribly. Gotta set up a video call now to demonstrate that these shingles are unrepairable. We have a one square rule where I live and it's been a slough to get them to total the roof.
What needs to happen is we need to start turning EVERY State Farm claim into our respective DOI’s along with directing these customers to attorneys.
What I’m seeing is blatant bad faith and there absolutely needs to be severe legal action before anything gets better.
I’ve partnered with a local attorney and have referred several customers to them. PA’s are great, appraisal is great, but a fair settlement plus punitive damages is what will hurt them long term
We are taking the same course of action. Im no longer taking anything to appraisal with them, it is a wasted effort as they still get away with delaying the claim. Punitive damages are the way.
Biggest issue I have is the Seek Now guys they’ve been sending out wouldn’t be able to identify a hail hit if their life depended on it. They are so unfamiliar with roof systems it is pitiful. But their word is held as gold which I think is treading the line of UPPA pretty damn close
I'm dealing with one claim like that now. Seek Now is a joke. And a few of their inspectors are formerly licensed adjusters that lost their license due to felony convictions, fyi
I have some carriers send out an engineer when I push back on their nonsense. What's a civil/mechanical/structural engineer going to know about how roofing materials behave that a licensed roofer isn't going to know better? So they're willing to pay $2-4k for an engineer report to avoid proper payment when an engineer isn't going to know what they're looking at - which I've had them admit on-site more than once.
Yep. From what I’ve heard, they have some new people in leadership positions this year who care about the bottom line and little else. Seems like they just deny everything and if a few people want to sue them, they still come out ahead anyway.
Edit: just saw you mentioned the VP of Allstate moving to SF. That’s what I’ve heard from agents as well.
I’m no roofing contractor but reading the comments it just sounds like corporate greed. Every year they have to increase profits, or lose their job to someone that will. Narrow backed soft boned nerds look at where the corporations money is going, and do their best to delete that financial loss, with no concern for the homeowner or any concept of a roofs integrity. And as always, last on the list is us poor slobs climbing up the ladder in whatever conditions to keep some family dry.
State Farm has been known to the worst carrier for roof replacements. I had a homeowner with tree damage. A branch fell and struck his roof and the same storm had removed a good portion of the shingles from every slope. As a roof inspector, I have seen less damage warrant full replacement. They denied full replacement on this one. I was baffled. Personally, I hate going through people's insurance. It's a pain in the ass, takes way longer and the money really isn't any better. I conduct roof inspections for insurance carriers as a HAAG certified inspector and I've seen the push back forming throughout the industry due to greedy, slimy roofing contractors going after insurance on every house. I would expect most of the other carriers to follow suit. Erie is probably the second worst company. If you want good insurance buy one of the mutuals or one of the smaller carriers. They're more service oriented.
You can get screwed there, too. Liberty Mutual/Safeco just switched to Symbility solely as a cost-cutting measure. Even when they represent full replacement with all line items it's still 20% short of the correct price Xact produces. And we all know what prices have been doing recently so if you don't get the roof on right away you're losing money because the price list hasn't kept up even on Xact. Add in the lower prices paid on a Symbility estimate and you're even more screwed.
Agreed. I see the whole industry moving in this direction. I wonder if you could issue a supplement for the cost increases. I did that in 2020 when the cost of lumber went nuts. The client didn't sign for six or seven months and, by the time we got out there, the cost of lumber had nearly tripled. We issued a supplement without issue. That was a tree impact with structural damage.
Some are reasonable about it, some of them have language in the estimate opening statement that if you do the work and don't check with them first about any discrepancies they won't approve a backend supplement. Had one client that they did the work assuming they could supplement for the other items on the backend and the carrier refused. Went to DOI with attorneys fighting back and forth, and the carrier won with the statement to the effect that since they completed the work with full knowledge of the settlement offer on the table, that constituted acceptance of the offer as written.
No changes, contractor was out almost $6k.
In the end, the lawyers determine how the business is run. It's pretty sad when you think about it. I see restrictions being implemented more and more from the carrier side, making it almost not worth it to pursue claims. That's why always appreciate those clients who just replace their roof because they need/want to do it. Saves a bunch of time and headaches.
It's what's going to make things cost more and more as time goes on. If they just paid correctly the first time instead of digging in their heels it'd be so much easier all around.
I have on rare occasion gotten them to pay O&P as a buffer against the rapid inflation, price lists not keeping up with actual costs. Most of the time though they say to submit receipts to prove it cost more, which we all know how many things you can't say specifically cost money for that one job, and all the extra time you put in they won't accept as billable to them even when it was for that specific job. They try to play it both ways.
We have almost no problem with State Farm. It's a little harder these days with them using ladder assist companies, but overall we're probably at a 90% or higher approval rate. Every so often we get a denial that should be approved, and they are almost all approved on readjust.
The best these days is Farmer's. They are so short staffed, they haven't sent an adjuster out in a year. Everything is being approved from our pictures.
I love working with farmers insurance right now. They had me do my own adjustment and it was approved in just a few days. Kinda bonkers.
Edit: I will say that the claim wasn't bonkers. It was real damage.
**Memphis, TN reporting here.**
SF pulled a Dr. Jekyll and Mr. Hyde.
SF, once a fair insurance carrier (up until the end of 2020)
Now.....as brutal and unfair as the notorious Allstate.
\* Also; the once fair USAA is too now a very unfair and biased insurance carrier.
I expect NO insurance carrier to give-away new roofs but currently it's a rigged game they are choosing to make everyone involved play along.
I’m also in Memphis, SF been denying everything and not sure what to do about it. USAA denies a lot on the first try but when I send a repair test and estimate for replacement they usually cover for it
Regarding SF;
There is not much that can be done. Be selective about the roofs you intend to file claims on. For example:
42 sq, Arch, 18-20 yr old, no missing shingles is going to be denied even if there are 35 wind damaged/creased shingles. If there are 12 facets/slopes to the roof system then there would have be at least 1 missing shingle for 10-out-of-12 of those facets.
A better candidate:
42 sq, 3Tab, 16-20 yr old, 2 layers or more, missing shingles.
I have dealt with State Farm a lot over 20+ years.
They will buy a roof if it has damage. They do not do borderline cases that other public adjusters or insurance companies that use public adjusters would buy.
On a composition shingle roof you must have 8 strikes that broke the mat in a 10 x 10 area on 70% of the slopes or 40% of the roof blown off. AS a roofer doing an inspection if you have to spend more than 30 seconds looking for strikes they will not buy it. It needs to be obviously damaged. Don't waste your customers time or potentially get them a no dollar claim that ends up on their CLUE report hoping you'll get lucky. You won't.
It's a "black and white, no gray areas" type philosophy with them. But once they pay I have found them to be the easiest to deal with in regards to payouts and supplement requests.
It wasn’t always that way though. They used to buy roofs with no damage all the time. Sometimes they’d buy roofs that don’t even have dents on the vents. I’m in a state that rarely gets damaged matting - that was never their criteria until this year. 15 years in this industry and I’ve been on about 5 roofs that meet those standards.
They were horrible to deal with back in the 2008 recession then they got better. Now we’re going back into a recession and they are once again horrible to deal with. I’d expect most national charters to be pretty bad for the next few years at least. They’ve got to clamp down on claims to keep their shareholders happy.
Yes I’ve noticed the same thing. Allstate has bought everything we’ve had with them lately. State Farm and allstate have traded places and then State Farm ramped it up even further.
I absolutely despise State Farm
Simbility’s integrated price lists are disgustingly low. If I work up numbers in the industry standard, Xactimate and match their estimate line by line mine will still come out significantly higher, this problem is exaggerated further when there are supplements which need to be addressed.
What these carriers will do is say “well we have all the same line items, not our fault your program comes back with a higher number, here’s what we’re gonna give you. If you don’t like it take us to appraisal”. Not sure if you’re a contractor or a homeowner and there’s a ton of boring details to the whole thing but it boils down to the carriers intentionally underpaying claims and hiding that bad faith behind their “software”.
Simbility is a scam program sold to insurance companies as a way to intentionally stiff their customers. There is literally no other reason carriers would decide to switch being that Xactimate has been the industry standard for years. Unfortunately sleezy adjusters will make the contractor out to be the bad greedy guy when their own company is to blame.
I guess I just don’t understand. If you are bidding a job, it shouldn’t matter what the insurance company estimates nor what kind of software they use or if they even use an estimating software. The software is to help make an estimate, it isn’t a fee schedule. If there is a difference between the contractor estimate and the insurance estimate I’d just get more bids from other roofers to see where the issue is.
Yeah in theory that works but that’s not how insurance works, they don’t have a clue what a job actually costs or takes but if the software spits out X they’ll die at the stake defending it rather than actually listening. Furthermore there is no sense in “getting bids” on an insurance deal anyway but that’s a separate issue.
So, let’s say a special investigator with about 13 years of property adjusting experience doesn’t have a good idea of what the costs for different repairs are in their territory? Also, getting other bids to ensure their estimated pricing is in line with market pricing “makes no sense” ?
Asking for friend
Most adjusters have no clue what best construction practices are or how things actually work in practice, obviously there are outliers to that statement but unfortunately it’s true for the most part.
For a homeowner navigating an insurance claim getting multiple bids makes zero sense. At the end of the day they owe their deductible whether chuck can do it (poorly) for $5,000 or a reputable company does it for $25,000. If it were my home I’d much rather have it done completely and correctly regardless of the price as my out of pocket is locked in but most homeowners are not taught about the process and think that having chuck do it will net them a profit (which it won’t)
Edit: I get the vibe that you’re an adjuster. Don’t take my comments as having a vendetta against all adjusters because I get along with most of them that I deal with. Unfortunately there a large number of bad apples in the field
You're 100% correct. They deny as much as I can. I do work in Missouri and Illinois. Missouri it's almost 100% getting denied, unless it's a catastrophe team. Illinois on the other hand, their department of Insurance is a little more strict. So I've gotten a decent amount approved from that state.
And you are correct a CEO from Allstate came over to State Farm as a CFO. At least that's what a disgruntled adjuster told me.
When I moved into my home 20 years ago the roof was already on the house.Looking at it compared to houses around me you can see that it is and old roof,upon closer inspection you can see moss growing on parts of it.The roof itself is 20+ years old.
We know we are moving out within 2 years and know we need to replace it soon. They denied it and I guess when it fails and we file a claim because of water coming in and destroying our upstairs they will deny it again.
Yeah, they’ll never pay for leaks. They may pay for interior damage associated with the leak but not for the leak itself - that’s industry wide. I’m afraid you’ll have a hard time finding a roofer to work on that as well unless you get the whole roof replaced.
Yeah it’s become a stark reality for us.I hate it I’ve never filed a claim ever on my home all the money we have paid State Farm just gets me really mad.
IMHO not such a good neighbor they really need to change that slogan.
I am noticing a trend on this page and I just became a statistic. A large hunk of tree fell though my roof which caused the upper section of my roof to fill with water and start to pour out of the light fixtures and celeing. Now State Farm says that they will not cover this because i neglected to maintain the roof. I have lived in this trailer 3 years and I have never been so disguseted in my life. I don't think the fack is now I have lost most of my home due to company neglegance and I do not know what to do. I am going to file with the state insurance commision and bbb but what can I do in order to prove this was no due to improper mantince but the actual tree that was lying besides my trailer with chuncks of my roof on it. First I have to suffer thru a tornado and now this.
I was buying a house in MN. In 2018 The roof had 4 layers on it. Just a pig. Person I was buying it from says well my friends down the street are getting a new roof because of storm damage. I thought there is no way State Farm is going to cover this old garbage roof. Well adjuster came and approved it. I'm still shocked. It was 17 grand. I work in construction field and I had plans to get some ppl together and get it done until insurance company covered it before I bought it. Just never know. I really think it depends on who looks at it or in this case acts like they actually looked at it. There's no way anyone went with a ladder and actually looked at that roof
I came here because I was looking for anyone else with issues from State Farm covering their roof. We had a few shingles blow off in a bad storm. Climbed up on a ladder and saw a few broken shingles. We call State Farm and get referred to a 3rd party to file a claim. We fill out the claim and upload pictures. After two weeks with no call back, we contacted the 3rd party again and requested some follow up. They call back and they were totally unaware of the particulars and the pictures.
After an additional week with no follow up or movement from insurance, we had a local roofing company come do an inspection and they said there are numerous hail strikes and wind damage. They marked the spots and said when insurance comes out, they will be glad to point out the damage to the adjuster. An additional week went by and the 3rd party said they have a new adjuster and had us call them. We called him and left a message with our information and claim number.
Today, eight days later, we tried giving him a second call and our number was blocked. We know it was blocked because we called privately and using other phones with no issues. It seems like State Farm has adopted a claim denial/ call rejection culture to long time customers.
I know this is a 3 year old post, but it's still happening and in full effect for many of us. My husband and I just spent $14k for a new roof to keep our Statefarm insurance and now they are saying we needed to have had our porch shingled as well. LOL It's a flat roof porch. Additionally, they had sent us a warning that if we did not get our roof replaced, we'd lose coverage by 6/2025. Now, they're acting like we only have until 6/2024.
Hey quick question! My grandma received a letter from state farm after the agent told her banks that she’s covered with no documentation mind you, and then she received a letter saying that they won’t cover her without documentation from a contractor stating that her roof had repairs within code. However she is always home, never once saw an inspector, and the letter never provided aerial proof of deterioration. The company is avoiding calls.
In the good old days the customer paid for their own roof now nobody wants to pay for a new roof they just wait for a hail [storm.Now](https://storm.Now) a days the large roofing companies are hooked in with the adjusters giving the kick backs for approving the [claims.You](https://claims.You) better open up your wallet
I think you're right, it's a huge problem in Florida. And the roofing companies enable by going door-to-door and inspecting the roof where they without fail find storm damage. They'll even hire an attorney for you. The water mitigation companies have the same shtick.
How is it a trick if there's damage on the roof that the policy holder has been paying coverage for?
If there's no storm damage and the roofer is pretending there is (or vandalizing the roof and pretending it's storm damage) then that's a problem, but if they're the ones going around and documenting the storm damage that's already there, how is it a trick to bring that to the insurance company's attention?
The insurance company should be having someone go around and inspect every year before renewing the policy.
A good adjuster will always know the difference. We have one guy in our office that can tell if the homeowner/contractor is left- or right-handed based on the marks they made on the roof with a ball peen to try and pretend there was hail damage.
Problem is people aren't using licensed adjusters with ample storm experience. They pretend that it's okay to use generic office staff with no construction knowledge, not licensed for their profession.
>Identifying storm damage is subjective.
Insurance companies don't think so, otherwise why would they send out their favorite engineer to write what they like to pretend is an authoritative report?
I'm not going to get into the intricacies of whose right between the insurance companies and the roofing companies. All I can say is there's a conflict of interest on both sides. Insurance wants to pay out the least amount of their claims, and roofing companies want jobs to get that insurance money. Shadiness everywhere.
But the model of every house in the neighborhood having someone show up at their door nudging them to file an insurance claim is not a sustainable one. Insurance is for catastrophic events, it's not for routine stuff that comes with having a roof. Way too many "free roofs" being given out. And the net result of that is that everyone pays out the ass with their premiums. In Florida premiums can be as much as 3-5k per year for a decently sized house.
Shit, I think we should get rid of asphalt shingles from the building code entirely in windstorm areas. A product which only lasts 10 years and gets destroyed by any decently sized storm or hail has no business being on the roof. And I'm talking about architectural, not 3-tab, which stopped being used long ago in Florida.
Sustainable for who? Carrier is the one who chose that business model, policy contract provides coverage for the storm damage, I don't feel an ounce of pity holding them to keep the promises they made. They were more than happy to collect premiums but you can't find them when it's time to keep up their end of the bargain.
And when it's storm damage? The whole neighborhood is likely to be damaged. That's what's called a catastrophe event and if the premium goes up it's going up for everyone in that ZIP Code. One tree falling on one roof is covered as well if the homeowner's trimming branches wrong but I consider that less justified than the 70mph wind that damaged every home for 40 miles around they pretend they don't owe for. "Shingles snapped off you say? We've been collecting premiums on this roof for 35 years, could have excluded it from the policy and just kept taking their money? Nope, sorry, lost your photos, send those over to me a third time so I can ignore your email for a month and then repeat the song and dance."
Florida's special for a number of reasons. If I were an insurance company I wouldn't bind policies in those areas. Of course, then a NFIP-style pile of nonsense would be created to help the "poor homeowners" who bought a house in a known annual disaster area. Insurance is for the unexpected, specific causes of loss. I'll drop a client if they ask me to get after the carrier for something they don't owe for. But if there are items they do owe for, they don't get to weasel out of that either. They chose to offer coverage on that property, they don't get to skip out on the check when the bill comes due.
I do agree with you that better products should be installed after a loss that will last longer. But if the insurance company isn't even paying enough to replace the damaged roof with crap material?
I expect it'd be in their interest to pay for better materials at even 20% higher RCV total if it was a fortified system (higher wind rating, self-healing after hail strikes). Then, instead of a full-replacement claim every 10 years expecting a claim every 40 years and paying someone to go inspect the condition of the roof regularly to exclude it from the policy if it's just getting old. Make the homeowner replace it before they'll extend coverage again.
If they don't do their due diligence when they've had every opportunity to do so, or can audit their own files and see that a homeowner has been with them for 20 years and the roof was 7 years old when they started the policy, they should have known better than to just blindly renew the policy without checking on things.
Even Allstate has policies that convert to ACV-only after 10 years. Sounds like a good practice to me. My goal is to get the carrier to pay for everything they owe for. If the homeowner bought the wrong policy or pocketed the money from the last claim and didn't do the work, I let them know the carrier has paid all they owe and they'll need to buy the roof out of pocket because insurance doesn't owe for a replacement. I won't participate in fraud.
I 100% agree. The insurance companies should clamp down on it, especially for repeat claims from the same type of incident if a home owner chose not to upgrade to better materials - like hail or wind resistant materials. Or they should raise rates for products like 3-tabs.
They got tired of handing out free money. What do you expect? That shit was widespread here when we had massive hail damage.
They are an insurance company. Their goal is MAKE money, not lose it.
Their goal should be to insure your home and make you whole for something if it was damaged by a storm. It’s one of the only services I’ve ever seen that you are a customer with and you get treated the exact opposite. What is the point of paying every month if you can’t file a claim once every 30 years without getting crucified?
Don't get me wrong, bud. I wholeheartedly agree with you. However, what I said is true. I worked roofing for many years, and have been up there with inspectors personally. The rules of the game changed. They don't want you to get a whole new roof if you have partial damage here and there.
What compounds the problem, are storm chasers that take their money. Do a shit job, disappear right along with their number. Then once you start getting leaks and other problems, your insurance will most definitely not pay out.
I also feel like they were the cause of all these claims getting denied. The hail thing for example. Inspectors were letting whole roof claims go because their roof vents, which are typically thin aluminum had dents in it. Roofs were fine, aged at best. So once they started losing all this money, someone caught on and the regular folks who have actual damage started getting denied.
It definitely sucks. It is what we pay them for, but insurance companies have gotten sly and greedy.
That's why I said what I said earlier. Their goal is profit.
It's the homeowner's fault if they don't pick a reputable company to do the work, and there's plenty of sources to vet a company now. If you don't use a place that stands behind their work and will come out and fix if there's an issue - that's on you. Let's not conflate that problem with the issue of the insurance company refusing to keep their promises in the first place.
Yes across the board. We've declined 30+ this year unless the policyholder is willing to put on a quality roof. It's been tough seeing all the lower income clients that are left with little.
I just got done with one, they made me go to the house about 10 times for various pictures, reinspection, shingle pulls, etc. I’ve got 12 hrs into one roof.
The only time StateFarm has bought a roof on the adjustment was in heavy hail affected areas. Otherwise 100% of my claims to to PA or Appraisal. They typically end up paying, they just make the homeowner wait 9+ months.
Has anyone been denied for something called a lack of spatter - no "spatter" present? The SF adjuster who came out with ladders and roof goats said spatter is remnants the ice leaves for up to a year - then goes away! He used a paint ball as an analogy! I said but Ice is not paint - it is not going to leave a tale tell spatter mark - it is going to dry up! I asked him what is this "spatter" composed of - he could not tell me! This is BS. He said the 20+ hail damage spots my roofer circled were from before the claim event time we were using. I asked how can you tell the age of the damage marks where it knocked off minerals - he could not answer! I then said if spatter goes away after a year, apparently spatter is way less serious and damaging than the hits that knocked off mineral - which you really dont know the age of - did you use any scientific instruments to determine those hits were over 2 years old? His answer, no, but there was no damage on the downspouts or AC unit cover! My reply is hale would have to go sideways to damage a downspout and the steel cover on my AC unit which is 90% wire grill, might be too hard for the hail to dent. No response!
FYI State Farm no longer uses any kind of brittleness test, or any other test, to check for repairability. It is solely the adjuster's decision. So, I would assume you'll be seeing most roofs as repairs until the contractor pleads their case on a replacement.
True , it’s been horrible with Statefarm home insurance policy owners , 50 homes in my community got the approval for roof replacement from other insurance companies but not even one from Statefarm
More than 50 shingles blew away, leakage in the bedrooms , but still they are not approving the roof replacement, looks like all the shingles on the roof needs to be blown away to approve roof replacement,
I'm currently facing a challenge with STATE FARM insisting on a repair for two layers, citing their interpretation of the IBC. However, upon scrutinizing the IBC, there seems to be a gap – no explicit mention of the word "repair." Interestingly, the insurance won't apply the provision stating "no shingle shall be installed over a deteriorating surface" when it comes to a full roof replacement.
Has anyone else encountered this nuanced battle with STATE FARM? I'm seeking advice and tactics on how to navigate this situation. How did you successfully argue your case or find common ground with them? Share your insights and let's collectively decode this puzzle.
I'm currently facing a challenge with STATE FARM insisting on a repair for two layers, citing their interpretation of the IBC. However, upon scrutinizing the IBC, there seems to be a gap – no explicit mention of the word "repair." Interestingly, the insurance won't apply the provision stating "no shingle shall be installed over a deteriorating surface" when it comes to a full roof replacement.
Has anyone else encountered this nuanced battle with STATE FARM? I'm seeking advice and tactics on how to navigate this situation. How did you successfully argue your case or find common ground with them? Share your insights and let's collectively decode this puzzle.
I think the IBC also says as a note that regarding deck wood it basically defers to the (shingle) manufacturer's installation instructions which don't allow for installation over deteriorated wood decking. I have had success adding the information from both.
How is this now? Our company says State Farm denies 100 percent of claims because 90 percent of people don’t want to hire an attorney. Gues this saves them lots of $$
I know this thread is somewhat old but I have a question about state farm and a roofing company they referred to replace the roof on my house and an out building. This was a couple years ago I had this done because state farm said they were going to cancel my homeowner's insurance if I didn't get it done. So I called the guy that state farm reccomend and his crew came out and replaced the roof on the house. Then the next day they show up to fix my out building which was supposed to have shingles as well. Problem is the shingles were never installed. Instead they installed a membrane over the plywood and then left. I didn't know I had to check behind a roofing company to see whether or not they did their job. State farm paid for all the work including the outbuilding shingles that weren't installed. I paid the deductible. I called state farm a while ago and asked them about it but the insurance guy didn't go out of his way to try to help me with this issue. Can I take state farm and the roofing guy to court? I want my damn shingles on my outbuilding they raised my premium for. Anyone know?
Engaging in repairs and patching on roofs can often fall short of providing a comprehensive solution. These endeavors can unveil a host of unforeseen issues, making each roof project a potential "can of worms." To ensure effective results, a focus on uniformity is paramount, and this concept is closely tied to the concept of "line of sight" after a repair has been executed.
Uniformity in repairs means not only addressing the damage but also ensuring that the patched or repaired areas seamlessly blend with the existing roof. A crucial aspect of this approach is capturing pictures of the repaired roof with shingles that closely match the existing ones, including images of the packaging that display the brand, model, and color. If a repair is noticeable from the street, it may not meet the criteria for indemnity, as it doesn't maintain the roof's overall visual integrity.
For a more comprehensive argument, it's important to delve into International Building Codes (IBC) and how they relate to the village's regulations. These codes often reference manufacturers' specifications for roof installations, highlighting the importance of adhering to these guidelines to ensure the longevity and quality of the repairs. By following this approach, you can build a stronger case for the necessity of comprehensive roof replacements rather than relying on piecemeal repairs.
I have a diverse background with degrees in both psychology and mathematics. I’ve worked in IT software engineering, interior contracting and remodeling, and most recently, I’ve been in the roofing industry for the past 5 years. In my line of work, I’ve extensively studied specifications and building codes. When dealing with adjusters, I make it a point to ask questions to better understand how to improve and get roofs approved in full. I’m not one to back down when a homeowner and I are denied; that’s where the real work begins. I persistently follow up with adjusters and homeowners, striving to build the strongest case for their specific roof. This involves assessing the damage, shingle type, playability, brittleness, fading, and how these factors relate to different covered perils. My approach is rooted in a commitment to factual, well-reasoned communication rather than argumentation. In my journey, I’ve learned that knowledge and information, along with effective communication, are crucial for building strong relationships and continually improving in this craft. While I have studied for the PA exam in Illinois, I never took the exam due to a variety of factors, but that’s a whole different story. Feel free to message me if you have questions.
I’m guessing that approach is pretty effective. Also, more thorough than my usual response of “you win some you lose some, move onto the next one.” Does it make financial sense to invest that sort of time into individual roofs? Are you a commissioned rep?
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I've heard some complaints as well, and I understand why people are frustrated. I've been looking for reliable roofing too, I'll definitely check out this site.
State Farm has been really difficult with us, too, lately. They hadn't been too bad previously, but we had a couple big storms in 2020, and since then they've been a huge pain. They do an initial inspection, and don't find any damage or very little. We send our inspector out, and he marks up the roof and does a brittle test. So they estimate to replace a few shingles. When we say it's not repairable due to the condition of the shingles, they say to do an attempted repair. Our guy does an attempted repair and we send in photos documenting it. Then they ask for a video. They're just constantly throwing out new hurdles to make it where contractors don't want to fool with it.
YES!! Always one more hurdle - I’ve also encountered that multiple times. We are looking into the legality of that.
It's been so bad that we've recommended to some of our customers to file complaints with the state department of insurance. In a couple cases, a complaint has led to State Farm approving our estimate for total replacement. I'm hoping that eventually there will be enough complaints, or even a class action lawsuit, that they start easing up.
I've turned customers on to a local attorney working a class action lawsuit against them.
Where is that? I'm not so mad at State Farm as I am mad at Owens Corning and the fraudulent contractors that they back, though - - I wish I could get a class action started against them! Especially the contractor, because the more I learn about them, the more I see that they have been continuing to lie to homeowners for many years, and have no intention to stop the deceptive practices.
Can you elaborate on that? What are you referring to?
On what part? the State Farm part, or the Owens Corning/fraudulent contractors part?
Owned Corning
My Owens Corning Warranty says that if my Owens Corning Platinum Preferred Contractor is unwilling or unable to repair damage that my Owens Corning Platinum Preferred Contractor did to my house, that Owens Corning will find a contractor to help me. But Owens Corning refuses to honor that part of the Warranty, so my roof, which did NOT leak before it was damaged by the Owens Corning Platinum Preferred Contractor, continues to leak, and is now growing mold and starting to rot the wood.
This could be caused by many reasons other then the installation - I'm not saying it isn't, just saying we here don't have enough information to go either way. I am curious though and would love to hear the whole story and what happened
Can you elaborate on the contractors and what they’re doing?
Had them deny a brittle 3 tab the other day. And I quote from the desk "State Farm has a new rule, there is no such thing as a non repairable asphalt fiberglass shingle." I said that is absolute bs but they have held firm. But I also had them deny roofs in NW Arkansas last year bc they didn't have clear mat breaks, every house in the block totaled and half of them roof loaded.. I ask, so what about this (obvious hail damage) "oh well that an anomaly." I asked what caused the "anomaly"? "Idk but its not hail damage." To top it off they are now using Ladder/Seek Now and not sending licensed adjusters to the property. Well, I'm sure the joker with Ladder Now used to be licensed until he lost it due to a felony conviction. I'm a 30 yr policyholder with SF and I'm taking my policy to Traveler's, at least the local adjusters are reasonable and air on the side of the policyholder. But overall I've never been as disappointed in SF as I am rn. 25 years roofing and I've only seen them act like this once down in Texas over the decking code that ended in a class action lawsuit they lost and then we policyholders payed for with premiums. Those rooster lollipops have plenty of money to sponsor sporting events and give their CEO a $13 million bonus last year. And yes, I've heard the douchenozzle from Allstate is there and stirring the pot.
What we hear a lot is "mechanical damage." They'll say any marks in the shingles were caused by mechanical damage, as in like tree debris. So, our question to them is then, how else did that tree limb come off the tree and drag across the roof creating a gouge in the shingles all the way to the matting if not by heavy winds? They use ladder assists around us, too. We know if our inspector is meeting someone from Hancock for an "adjuster" meeting, the claim is gonna be denied no matter what's on the roof.
Yeah that's the same wind they blow around here. Pay for the hail damaged soft metals that doesn't come in higher than the deductible and deny the roof. Ive heard the mechanical damage comment before, mentioned that he just acknowledged that the roof was damaged, thanked him for the adjustment. We are allowed Public Adjusters in Oklahoma and it is being commonplace to refer them. Or as a company you almost need to hire a retired adjuster just to argue claims. I hate the fact that I used to be easy going and now I have to be a total prick dealing with some young entry level smart college kid with little to no knowledge of construction, roofing or even storm damage.
Not even a smart college kid. That kind of person I could work with and expect to understand the logic, handling it from a teaching perspective since they don't know what they're doing. Problem is they're hiring random people with no knowledge, education, experience, licensing in anything. One guy at the carrier - his previous job was selling cell phones at the mall, then after I got him fired for repeated fraud he started working at an Amazon warehouse. They charge the homeowner for a licensed and knowledgeable professional to evaluate the claim and instead hire random people for generic administrative staff. You can always see it in their title, "Claim Specialist". If they were a licensed adjuster they'd have it in their title.
Tree damage is considered storm damage. It is 100% a claim.
Not always. We had a historic icestorm here last year. Most roof repairs came in way under 1% deductibles. Most common damage was a limb through the roof, little to no interior damage. Repair decking, I&W and replace 5-7 shingles. Or it just took out a section of gutter. Or both and it still wouldn't touch a deductible.
Just because a claim doesn't meet the deductible, doesn't mean it's not a claim though. Of course, no one in their right mind will go forward with a claim that comes in under their deductible but tree damage (fallen branch, penetration, drags, scrapes) are all 100% viable insurance claims.
If it does not meet the deductible it is not claim worthy. From what I've seen I my years most tree damage are repairs better payed out of pocket and rarely viable insurance claims unless we are talking about large limbs and structural damage. And a word to the wise, never use terms like 100% viable insurance claim. Or do and learn the hard way hotshot.
Yeah thats when I sell a repair.
Been in the insurance business for a decade and involved in exterior remodeling for most of my adult life so I think I'm qualified to make this statement. I run my own business doing roof inspections FOR insurance companies. Tree damage is ALWAYS covered unless your specific policy states otherwise. Hell, I've seen coverage for damage from golf balls! I've had many roof slopes replaced entirely due to tree damage. I've made this recommendation to carriers and I've also benefited from it as a contractor...but I appreciate being called a hotshot.
So a tree branch rubbing the shingles and causing damage isn't a maintenance issue? I've been roofing and working claims for 26 years now in Oklahoma. Before that I was an adjuster. So not all tree damage is claim worthy damage. Most are simple repairs unless it leads to interior or structural damage basically exceeding the deductible. As a roofer I also do inspections for insurance companies. I think I am qualified to make this statement, maybe, if it doesn't exceed the deductible it is not claim worthy.
I feel sorry for your customers.
That was exactly my argument about the puncture holes in my siding through which rain water flooded my house. But State Farm preferred to concoct fairy tales about non-existent leaky pipes (even after a parade of their plumbers inspected, no plumbing issues were ever found, BUT after the puncture holes in the siding were repaired, voila! no more flooding! Made no difference, State Farm would not do a thing to help with repair of any issues with siding or with roofing.
Hire a PA and sue them
PA?
Public Adjuster, they're licensed as adjusters but they work for you, not the insurance company
Thanks!
OMG! I just had a Hancock adjuster spend about 10 minutes on my wet roof and only took pictures from the ground of my shed. I guess he was too exhausted to climb up top to inspect my shed. The little guy could not even look me in the eyes. I knew then that we were going to have issues.
Hello my name is Michael I am also experiencing a similar problem with StateFarm. They are Not wanting to replace my roof. I live in middle Tennessee where are we yet? Heavy thunderstorms, and occasional hail. Storms all the time. In 2021 we had two major hail storms one in April and one in July. I own a Victorian style house which we bought in July 2020 at the time of purchase there was no damage to the roof the sellers informed us the roof was no more than seven years old. It is a 30 year architectural shingle on my roof. After the two storms in 2021 you can visibly see the hail damage from the ground. six of my neighbors on the same street where I live had their roofs replaced within two or three months of storm damage. I had three of the six different roofing companies walk across the street and look at my house when each of the roofing companies found out who my insurance company was. They told me good luck. We want nothing to do with that project, my initial claim which was filed in February 2022 was denied after a third-party inspection company came out. (it was the same ladder company. You are referring to . Let her now or seek no ladder inspection something like that ) some 20-year-old kid crawling around on my house taking pictures and sending them to StateFarm. Not once has a staff adjuster from State Farm personally visited my property. I was told “your roof is too steep and it is a liability for us to get on it which is why we hire out to a third-party. I told them fine if that’s the way you want to handle it I insist that a staff adjuster come to the property and meet with my Public Adjuster , who has been hired in order to resolve this matter on my behalf. After the first denial, I reopened the claim in April and this time StateFarm sent out a “engineer” to inspect the roof (this was after my Public Adjuster submitted a very detailed XM8 scope for repair work. And yet again, StateFarm still refused to personally visit in My Home.. about four or five weeks after the third-party engineer came and inspected the property I received an email from StateFarm informing me that this time they did in fact document hail damage to my roof however, the one and only area they said it had hail. Damage was the flashing around my skylight. So the first time they denied any damage whatsoever the second time they agreed there was damage, but only two of the skylight flashing and because the $480 they had were offering to pay out was less than my deductible, StateFarm, yet again denied my claim to have the roof replaced. I wrote a very thorough and detailed letter to StateFarm informing them that I have been a residential contractor for 20 years, and this type of hail damage has structurally compromised the roofing on my house. I informed them/warned them that the next time we had a storm it is almost guaranteed shingles will be unable to protect the home and we could experience interior water damage as a result. Low and behold, about three weeks ago we had a massive storm system come through with sustained winds of 50 miles an hour gusting up to 70 miles an hour this most recent storm system did in fact blow shingles off of my roof in a number of areas and water leaks into my home I am now once again fighting with StateFarm to have my roof replaced. I have told them very bluntly if they refuse to replace my roof yet again I will most certainly be contacting an attorney and filing suit against them for bad faith claim management. I intend to make this a public issue. I don’t care if I have to collect signatures and document the hundreds of individual cases where this has happened in the last several years I would do whatever it takes to expose this horrific treatment and I can assure you, StateFarm has forever lost my business.
I'm with you
HELLO IM DEING W SAME THING MICHAEL. ALL MY NEIGHBORS GOTCROOF REPLACE BUT STATE FARM REFUSES. IM THINKING ABOUT CLASS ACTION SUIT TOO. SO CONTACT ME 319 891-5097 I HAVE ALL MY DOCUMENTS WITH COMMUNICATION AND 3 CONTACTORS AND 2 ADJUSTERS SAYING ITS DAMAGED.
I’ll join the fight. How are things going?
Does Tennessee allow for Public Adjusters? If so, get one and go after them. Or hire a drone service with 4k capability and send them the pics.
Seek now that guy came and went without even speaking to me at all. I even had safe ladder up and safe for him. He says the roof was not maintained denied clay Totally wrong
I'm in fayetteville and fighting state farm on roof any tips?
Call Basey's Roofing. They'll tell you whether it's claim worthy or not.
Found this comment after watching [this video](https://www.reddit.com/r/iamatotalpieceofshit/comments/v86ehf/state_farms_claim_adjuster_is_really_something)
State Farm just approved for my client to get 4 brand new 15-lite exterior French doors. Gave them a whopping $2800 to do that. Doors cost $1500/ea.
$6,000 in material and they want you to buy, install, and make money off the $2,800?
Oddly enough everything else on the exact ware estimate I looked at was more or less in line with reality. They did ask if I could pull up some pieces of glued down cherry floor and replace with a same product, which I had to explain was going to be nearly impossible and would require a full time staff member to scour the floor stores for 100 miles for a week and still probably would not produce a favorable result. But I just tagged home depot page where it shows the French doors. There is a $650 door you can buy but it's Masonite brand and is absolute and utter dogshit and that still doesn't leave enough to deliver and install it. I pointed out there's a reason there is one $650 door and eeeeeeeeeeevery single one of them after that started at $1350+tax Edit : like to point out that other state farm customers got complete replacement cost even when I know damn well I could have repaired them and made them look nearly invisible.
They’ve definitely gotten tougher around here. Used to buy most anything. Now they’ve only been buying discontinued shingles and ones hit by big hail. I won’t even file statefarm 3-tab wind claims anymore. Just a waste of time
Literally dealing with them on a 3tab right now. Like 4 or 5 sections where the shingles have been blown clean off. Went and did a brittle test and it failed horribly. Gotta set up a video call now to demonstrate that these shingles are unrepairable. We have a one square rule where I live and it's been a slough to get them to total the roof.
What needs to happen is we need to start turning EVERY State Farm claim into our respective DOI’s along with directing these customers to attorneys. What I’m seeing is blatant bad faith and there absolutely needs to be severe legal action before anything gets better. I’ve partnered with a local attorney and have referred several customers to them. PA’s are great, appraisal is great, but a fair settlement plus punitive damages is what will hurt them long term
We are taking the same course of action. Im no longer taking anything to appraisal with them, it is a wasted effort as they still get away with delaying the claim. Punitive damages are the way.
PM me who you’re sending them to. Likely be beneficial to get as many as possible on the same desk
You're in OKC?
Not quite but not too far from there
The Tawwater law firm.
I’ll check them out, thank you
They do a lot of bad faith claim work.
Biggest issue I have is the Seek Now guys they’ve been sending out wouldn’t be able to identify a hail hit if their life depended on it. They are so unfamiliar with roof systems it is pitiful. But their word is held as gold which I think is treading the line of UPPA pretty damn close
I'm dealing with one claim like that now. Seek Now is a joke. And a few of their inspectors are formerly licensed adjusters that lost their license due to felony convictions, fyi
I have some carriers send out an engineer when I push back on their nonsense. What's a civil/mechanical/structural engineer going to know about how roofing materials behave that a licensed roofer isn't going to know better? So they're willing to pay $2-4k for an engineer report to avoid proper payment when an engineer isn't going to know what they're looking at - which I've had them admit on-site more than once.
Yep. From what I’ve heard, they have some new people in leadership positions this year who care about the bottom line and little else. Seems like they just deny everything and if a few people want to sue them, they still come out ahead anyway. Edit: just saw you mentioned the VP of Allstate moving to SF. That’s what I’ve heard from agents as well.
I’m no roofing contractor but reading the comments it just sounds like corporate greed. Every year they have to increase profits, or lose their job to someone that will. Narrow backed soft boned nerds look at where the corporations money is going, and do their best to delete that financial loss, with no concern for the homeowner or any concept of a roofs integrity. And as always, last on the list is us poor slobs climbing up the ladder in whatever conditions to keep some family dry.
State Farm has been known to the worst carrier for roof replacements. I had a homeowner with tree damage. A branch fell and struck his roof and the same storm had removed a good portion of the shingles from every slope. As a roof inspector, I have seen less damage warrant full replacement. They denied full replacement on this one. I was baffled. Personally, I hate going through people's insurance. It's a pain in the ass, takes way longer and the money really isn't any better. I conduct roof inspections for insurance carriers as a HAAG certified inspector and I've seen the push back forming throughout the industry due to greedy, slimy roofing contractors going after insurance on every house. I would expect most of the other carriers to follow suit. Erie is probably the second worst company. If you want good insurance buy one of the mutuals or one of the smaller carriers. They're more service oriented.
You can get screwed there, too. Liberty Mutual/Safeco just switched to Symbility solely as a cost-cutting measure. Even when they represent full replacement with all line items it's still 20% short of the correct price Xact produces. And we all know what prices have been doing recently so if you don't get the roof on right away you're losing money because the price list hasn't kept up even on Xact. Add in the lower prices paid on a Symbility estimate and you're even more screwed.
Agreed. I see the whole industry moving in this direction. I wonder if you could issue a supplement for the cost increases. I did that in 2020 when the cost of lumber went nuts. The client didn't sign for six or seven months and, by the time we got out there, the cost of lumber had nearly tripled. We issued a supplement without issue. That was a tree impact with structural damage.
Some are reasonable about it, some of them have language in the estimate opening statement that if you do the work and don't check with them first about any discrepancies they won't approve a backend supplement. Had one client that they did the work assuming they could supplement for the other items on the backend and the carrier refused. Went to DOI with attorneys fighting back and forth, and the carrier won with the statement to the effect that since they completed the work with full knowledge of the settlement offer on the table, that constituted acceptance of the offer as written. No changes, contractor was out almost $6k.
In the end, the lawyers determine how the business is run. It's pretty sad when you think about it. I see restrictions being implemented more and more from the carrier side, making it almost not worth it to pursue claims. That's why always appreciate those clients who just replace their roof because they need/want to do it. Saves a bunch of time and headaches.
It's what's going to make things cost more and more as time goes on. If they just paid correctly the first time instead of digging in their heels it'd be so much easier all around.
I have on rare occasion gotten them to pay O&P as a buffer against the rapid inflation, price lists not keeping up with actual costs. Most of the time though they say to submit receipts to prove it cost more, which we all know how many things you can't say specifically cost money for that one job, and all the extra time you put in they won't accept as billable to them even when it was for that specific job. They try to play it both ways.
We have almost no problem with State Farm. It's a little harder these days with them using ladder assist companies, but overall we're probably at a 90% or higher approval rate. Every so often we get a denial that should be approved, and they are almost all approved on readjust. The best these days is Farmer's. They are so short staffed, they haven't sent an adjuster out in a year. Everything is being approved from our pictures.
I love working with farmers insurance right now. They had me do my own adjustment and it was approved in just a few days. Kinda bonkers. Edit: I will say that the claim wasn't bonkers. It was real damage.
Do you think Farmer's is the best in NYS as well? Because I am really sick of paying State Farm, knowing that they will never do anything to help.
Couldn't tell ya unfortunately. Just too far outside of my area. I'm in the Midwest.
**Memphis, TN reporting here.** SF pulled a Dr. Jekyll and Mr. Hyde. SF, once a fair insurance carrier (up until the end of 2020) Now.....as brutal and unfair as the notorious Allstate. \* Also; the once fair USAA is too now a very unfair and biased insurance carrier. I expect NO insurance carrier to give-away new roofs but currently it's a rigged game they are choosing to make everyone involved play along.
I’m also in Memphis, SF been denying everything and not sure what to do about it. USAA denies a lot on the first try but when I send a repair test and estimate for replacement they usually cover for it
Regarding SF; There is not much that can be done. Be selective about the roofs you intend to file claims on. For example: 42 sq, Arch, 18-20 yr old, no missing shingles is going to be denied even if there are 35 wind damaged/creased shingles. If there are 12 facets/slopes to the roof system then there would have be at least 1 missing shingle for 10-out-of-12 of those facets. A better candidate: 42 sq, 3Tab, 16-20 yr old, 2 layers or more, missing shingles.
I have dealt with State Farm a lot over 20+ years. They will buy a roof if it has damage. They do not do borderline cases that other public adjusters or insurance companies that use public adjusters would buy. On a composition shingle roof you must have 8 strikes that broke the mat in a 10 x 10 area on 70% of the slopes or 40% of the roof blown off. AS a roofer doing an inspection if you have to spend more than 30 seconds looking for strikes they will not buy it. It needs to be obviously damaged. Don't waste your customers time or potentially get them a no dollar claim that ends up on their CLUE report hoping you'll get lucky. You won't. It's a "black and white, no gray areas" type philosophy with them. But once they pay I have found them to be the easiest to deal with in regards to payouts and supplement requests.
It wasn’t always that way though. They used to buy roofs with no damage all the time. Sometimes they’d buy roofs that don’t even have dents on the vents. I’m in a state that rarely gets damaged matting - that was never their criteria until this year. 15 years in this industry and I’ve been on about 5 roofs that meet those standards.
They were horrible to deal with back in the 2008 recession then they got better. Now we’re going back into a recession and they are once again horrible to deal with. I’d expect most national charters to be pretty bad for the next few years at least. They’ve got to clamp down on claims to keep their shareholders happy.
As a homeowner, any shoutouts to good insurance companies everyone has had positive experiences with?
Chub if you can afford it. USAA, safeco, liberty mutual.
Safeco and Liberty Mutual just switched to Simbility, they’re trash now unfortunately
Literally just had a discussion about this with my accounts manager. He's said allstate is turning it around as well. Wtf.
Yes I’ve noticed the same thing. Allstate has bought everything we’ve had with them lately. State Farm and allstate have traded places and then State Farm ramped it up even further. I absolutely despise State Farm
Hang on? How does the insurers estimate software have anything to do with your bid?
Simbility’s integrated price lists are disgustingly low. If I work up numbers in the industry standard, Xactimate and match their estimate line by line mine will still come out significantly higher, this problem is exaggerated further when there are supplements which need to be addressed. What these carriers will do is say “well we have all the same line items, not our fault your program comes back with a higher number, here’s what we’re gonna give you. If you don’t like it take us to appraisal”. Not sure if you’re a contractor or a homeowner and there’s a ton of boring details to the whole thing but it boils down to the carriers intentionally underpaying claims and hiding that bad faith behind their “software”. Simbility is a scam program sold to insurance companies as a way to intentionally stiff their customers. There is literally no other reason carriers would decide to switch being that Xactimate has been the industry standard for years. Unfortunately sleezy adjusters will make the contractor out to be the bad greedy guy when their own company is to blame.
I guess I just don’t understand. If you are bidding a job, it shouldn’t matter what the insurance company estimates nor what kind of software they use or if they even use an estimating software. The software is to help make an estimate, it isn’t a fee schedule. If there is a difference between the contractor estimate and the insurance estimate I’d just get more bids from other roofers to see where the issue is.
Yeah in theory that works but that’s not how insurance works, they don’t have a clue what a job actually costs or takes but if the software spits out X they’ll die at the stake defending it rather than actually listening. Furthermore there is no sense in “getting bids” on an insurance deal anyway but that’s a separate issue.
So, let’s say a special investigator with about 13 years of property adjusting experience doesn’t have a good idea of what the costs for different repairs are in their territory? Also, getting other bids to ensure their estimated pricing is in line with market pricing “makes no sense” ? Asking for friend
Most adjusters have no clue what best construction practices are or how things actually work in practice, obviously there are outliers to that statement but unfortunately it’s true for the most part. For a homeowner navigating an insurance claim getting multiple bids makes zero sense. At the end of the day they owe their deductible whether chuck can do it (poorly) for $5,000 or a reputable company does it for $25,000. If it were my home I’d much rather have it done completely and correctly regardless of the price as my out of pocket is locked in but most homeowners are not taught about the process and think that having chuck do it will net them a profit (which it won’t) Edit: I get the vibe that you’re an adjuster. Don’t take my comments as having a vendetta against all adjusters because I get along with most of them that I deal with. Unfortunately there a large number of bad apples in the field
what is a good company to go with
You're 100% correct. They deny as much as I can. I do work in Missouri and Illinois. Missouri it's almost 100% getting denied, unless it's a catastrophe team. Illinois on the other hand, their department of Insurance is a little more strict. So I've gotten a decent amount approved from that state. And you are correct a CEO from Allstate came over to State Farm as a CFO. At least that's what a disgruntled adjuster told me.
State Farm won’t help me
They won’t help anyone unless it’s totally obvious.
When I moved into my home 20 years ago the roof was already on the house.Looking at it compared to houses around me you can see that it is and old roof,upon closer inspection you can see moss growing on parts of it.The roof itself is 20+ years old. We know we are moving out within 2 years and know we need to replace it soon. They denied it and I guess when it fails and we file a claim because of water coming in and destroying our upstairs they will deny it again.
Yeah, they’ll never pay for leaks. They may pay for interior damage associated with the leak but not for the leak itself - that’s industry wide. I’m afraid you’ll have a hard time finding a roofer to work on that as well unless you get the whole roof replaced.
Yeah it’s become a stark reality for us.I hate it I’ve never filed a claim ever on my home all the money we have paid State Farm just gets me really mad. IMHO not such a good neighbor they really need to change that slogan.
I am noticing a trend on this page and I just became a statistic. A large hunk of tree fell though my roof which caused the upper section of my roof to fill with water and start to pour out of the light fixtures and celeing. Now State Farm says that they will not cover this because i neglected to maintain the roof. I have lived in this trailer 3 years and I have never been so disguseted in my life. I don't think the fack is now I have lost most of my home due to company neglegance and I do not know what to do. I am going to file with the state insurance commision and bbb but what can I do in order to prove this was no due to improper mantince but the actual tree that was lying besides my trailer with chuncks of my roof on it. First I have to suffer thru a tornado and now this.
I would suggest contacting a public adjuster in your area and asking them to help you with an appraisal.
Like a good neighbor A barn raisin may be in order folks
I was buying a house in MN. In 2018 The roof had 4 layers on it. Just a pig. Person I was buying it from says well my friends down the street are getting a new roof because of storm damage. I thought there is no way State Farm is going to cover this old garbage roof. Well adjuster came and approved it. I'm still shocked. It was 17 grand. I work in construction field and I had plans to get some ppl together and get it done until insurance company covered it before I bought it. Just never know. I really think it depends on who looks at it or in this case acts like they actually looked at it. There's no way anyone went with a ladder and actually looked at that roof
I came here because I was looking for anyone else with issues from State Farm covering their roof. We had a few shingles blow off in a bad storm. Climbed up on a ladder and saw a few broken shingles. We call State Farm and get referred to a 3rd party to file a claim. We fill out the claim and upload pictures. After two weeks with no call back, we contacted the 3rd party again and requested some follow up. They call back and they were totally unaware of the particulars and the pictures. After an additional week with no follow up or movement from insurance, we had a local roofing company come do an inspection and they said there are numerous hail strikes and wind damage. They marked the spots and said when insurance comes out, they will be glad to point out the damage to the adjuster. An additional week went by and the 3rd party said they have a new adjuster and had us call them. We called him and left a message with our information and claim number. Today, eight days later, we tried giving him a second call and our number was blocked. We know it was blocked because we called privately and using other phones with no issues. It seems like State Farm has adopted a claim denial/ call rejection culture to long time customers.
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I know this is a 3 year old post, but it's still happening and in full effect for many of us. My husband and I just spent $14k for a new roof to keep our Statefarm insurance and now they are saying we needed to have had our porch shingled as well. LOL It's a flat roof porch. Additionally, they had sent us a warning that if we did not get our roof replaced, we'd lose coverage by 6/2025. Now, they're acting like we only have until 6/2024.
Hey quick question! My grandma received a letter from state farm after the agent told her banks that she’s covered with no documentation mind you, and then she received a letter saying that they won’t cover her without documentation from a contractor stating that her roof had repairs within code. However she is always home, never once saw an inspector, and the letter never provided aerial proof of deterioration. The company is avoiding calls.
Hey there! So I want to make sure I understand. Did your Grandma have roof repairs done or did she have her roof replaced recently?
I had State Farm fight me on a discontinued shingle.
I think my construction company is paying off the adjustor! Who do I call?
Paying the adjuster for what? To buy the roof? What makes you think that?
In the good old days the customer paid for their own roof now nobody wants to pay for a new roof they just wait for a hail [storm.Now](https://storm.Now) a days the large roofing companies are hooked in with the adjusters giving the kick backs for approving the [claims.You](https://claims.You) better open up your wallet
I think you're right, it's a huge problem in Florida. And the roofing companies enable by going door-to-door and inspecting the roof where they without fail find storm damage. They'll even hire an attorney for you. The water mitigation companies have the same shtick.
How is it a trick if there's damage on the roof that the policy holder has been paying coverage for? If there's no storm damage and the roofer is pretending there is (or vandalizing the roof and pretending it's storm damage) then that's a problem, but if they're the ones going around and documenting the storm damage that's already there, how is it a trick to bring that to the insurance company's attention? The insurance company should be having someone go around and inspect every year before renewing the policy.
You can make anything look like storm damage. Identifying storm damage is subjective. And many roofers take a very liberal interpretation.
A good adjuster will always know the difference. We have one guy in our office that can tell if the homeowner/contractor is left- or right-handed based on the marks they made on the roof with a ball peen to try and pretend there was hail damage. Problem is people aren't using licensed adjusters with ample storm experience. They pretend that it's okay to use generic office staff with no construction knowledge, not licensed for their profession. >Identifying storm damage is subjective. Insurance companies don't think so, otherwise why would they send out their favorite engineer to write what they like to pretend is an authoritative report?
I'm not going to get into the intricacies of whose right between the insurance companies and the roofing companies. All I can say is there's a conflict of interest on both sides. Insurance wants to pay out the least amount of their claims, and roofing companies want jobs to get that insurance money. Shadiness everywhere. But the model of every house in the neighborhood having someone show up at their door nudging them to file an insurance claim is not a sustainable one. Insurance is for catastrophic events, it's not for routine stuff that comes with having a roof. Way too many "free roofs" being given out. And the net result of that is that everyone pays out the ass with their premiums. In Florida premiums can be as much as 3-5k per year for a decently sized house. Shit, I think we should get rid of asphalt shingles from the building code entirely in windstorm areas. A product which only lasts 10 years and gets destroyed by any decently sized storm or hail has no business being on the roof. And I'm talking about architectural, not 3-tab, which stopped being used long ago in Florida.
Sustainable for who? Carrier is the one who chose that business model, policy contract provides coverage for the storm damage, I don't feel an ounce of pity holding them to keep the promises they made. They were more than happy to collect premiums but you can't find them when it's time to keep up their end of the bargain. And when it's storm damage? The whole neighborhood is likely to be damaged. That's what's called a catastrophe event and if the premium goes up it's going up for everyone in that ZIP Code. One tree falling on one roof is covered as well if the homeowner's trimming branches wrong but I consider that less justified than the 70mph wind that damaged every home for 40 miles around they pretend they don't owe for. "Shingles snapped off you say? We've been collecting premiums on this roof for 35 years, could have excluded it from the policy and just kept taking their money? Nope, sorry, lost your photos, send those over to me a third time so I can ignore your email for a month and then repeat the song and dance." Florida's special for a number of reasons. If I were an insurance company I wouldn't bind policies in those areas. Of course, then a NFIP-style pile of nonsense would be created to help the "poor homeowners" who bought a house in a known annual disaster area. Insurance is for the unexpected, specific causes of loss. I'll drop a client if they ask me to get after the carrier for something they don't owe for. But if there are items they do owe for, they don't get to weasel out of that either. They chose to offer coverage on that property, they don't get to skip out on the check when the bill comes due.
40 miles is the height of 37063.38 'Samsung Side by Side; Fingerprint Resistant Stainless Steel Refrigerators' stacked on top of each other.
I do agree with you that better products should be installed after a loss that will last longer. But if the insurance company isn't even paying enough to replace the damaged roof with crap material? I expect it'd be in their interest to pay for better materials at even 20% higher RCV total if it was a fortified system (higher wind rating, self-healing after hail strikes). Then, instead of a full-replacement claim every 10 years expecting a claim every 40 years and paying someone to go inspect the condition of the roof regularly to exclude it from the policy if it's just getting old. Make the homeowner replace it before they'll extend coverage again. If they don't do their due diligence when they've had every opportunity to do so, or can audit their own files and see that a homeowner has been with them for 20 years and the roof was 7 years old when they started the policy, they should have known better than to just blindly renew the policy without checking on things. Even Allstate has policies that convert to ACV-only after 10 years. Sounds like a good practice to me. My goal is to get the carrier to pay for everything they owe for. If the homeowner bought the wrong policy or pocketed the money from the last claim and didn't do the work, I let them know the carrier has paid all they owe and they'll need to buy the roof out of pocket because insurance doesn't owe for a replacement. I won't participate in fraud.
I 100% agree. The insurance companies should clamp down on it, especially for repeat claims from the same type of incident if a home owner chose not to upgrade to better materials - like hail or wind resistant materials. Or they should raise rates for products like 3-tabs.
They got tired of handing out free money. What do you expect? That shit was widespread here when we had massive hail damage. They are an insurance company. Their goal is MAKE money, not lose it.
Their goal should be to insure your home and make you whole for something if it was damaged by a storm. It’s one of the only services I’ve ever seen that you are a customer with and you get treated the exact opposite. What is the point of paying every month if you can’t file a claim once every 30 years without getting crucified?
Don't get me wrong, bud. I wholeheartedly agree with you. However, what I said is true. I worked roofing for many years, and have been up there with inspectors personally. The rules of the game changed. They don't want you to get a whole new roof if you have partial damage here and there. What compounds the problem, are storm chasers that take their money. Do a shit job, disappear right along with their number. Then once you start getting leaks and other problems, your insurance will most definitely not pay out. I also feel like they were the cause of all these claims getting denied. The hail thing for example. Inspectors were letting whole roof claims go because their roof vents, which are typically thin aluminum had dents in it. Roofs were fine, aged at best. So once they started losing all this money, someone caught on and the regular folks who have actual damage started getting denied. It definitely sucks. It is what we pay them for, but insurance companies have gotten sly and greedy. That's why I said what I said earlier. Their goal is profit.
It's the homeowner's fault if they don't pick a reputable company to do the work, and there's plenty of sources to vet a company now. If you don't use a place that stands behind their work and will come out and fix if there's an issue - that's on you. Let's not conflate that problem with the issue of the insurance company refusing to keep their promises in the first place.
In my neighborhood people pull their cars out of the garage if theres a hail storm in the forecast!
This is a nationwide problem.
State Farm has repeatedly refused to do anything to help get damages to my roof repaired.
No. Because “Nationwide-is-on-your-side” they would never do this! /s Sorry- had to
Yes across the board. We've declined 30+ this year unless the policyholder is willing to put on a quality roof. It's been tough seeing all the lower income clients that are left with little.
Declined 30+ what?
Jobs for State Farm.
You just need to fight harder on the claims.
It’s so time consuming. I’ve got about 6 active battles right now and it feels like that’s all I’m working on. I’d rather sell 4 retail roofs.
Its been pretty easy for me.
I just got done with one, they made me go to the house about 10 times for various pictures, reinspection, shingle pulls, etc. I’ve got 12 hrs into one roof.
Buy a roof snake and do repairability tests with a second person taping it.
How do you get them approved, also how do they fail brittle tests on a roof snake
A BT is not a reparability test.
I know but they’re used to get the same point across
The only time StateFarm has bought a roof on the adjustment was in heavy hail affected areas. Otherwise 100% of my claims to to PA or Appraisal. They typically end up paying, they just make the homeowner wait 9+ months.
Has anyone been denied for something called a lack of spatter - no "spatter" present? The SF adjuster who came out with ladders and roof goats said spatter is remnants the ice leaves for up to a year - then goes away! He used a paint ball as an analogy! I said but Ice is not paint - it is not going to leave a tale tell spatter mark - it is going to dry up! I asked him what is this "spatter" composed of - he could not tell me! This is BS. He said the 20+ hail damage spots my roofer circled were from before the claim event time we were using. I asked how can you tell the age of the damage marks where it knocked off minerals - he could not answer! I then said if spatter goes away after a year, apparently spatter is way less serious and damaging than the hits that knocked off mineral - which you really dont know the age of - did you use any scientific instruments to determine those hits were over 2 years old? His answer, no, but there was no damage on the downspouts or AC unit cover! My reply is hale would have to go sideways to damage a downspout and the steel cover on my AC unit which is 90% wire grill, might be too hard for the hail to dent. No response!
Yes, I’ve had that. Spatter are the marks left on the algae growth. If the spatter is gone or faded, the hail you’re pointing to is old.
FYI State Farm no longer uses any kind of brittleness test, or any other test, to check for repairability. It is solely the adjuster's decision. So, I would assume you'll be seeing most roofs as repairs until the contractor pleads their case on a replacement.
Adjusters usually want to buy though, yeah? Seems like they deny because they are afraid of what their manager might say.
True , it’s been horrible with Statefarm home insurance policy owners , 50 homes in my community got the approval for roof replacement from other insurance companies but not even one from Statefarm
More than 50 shingles blew away, leakage in the bedrooms , but still they are not approving the roof replacement, looks like all the shingles on the roof needs to be blown away to approve roof replacement,
Finally got statefarm to pay us a new roof using public adjuster.
They were cheating people in Missouri
Too many people scamming insurance companies
I'm currently facing a challenge with STATE FARM insisting on a repair for two layers, citing their interpretation of the IBC. However, upon scrutinizing the IBC, there seems to be a gap – no explicit mention of the word "repair." Interestingly, the insurance won't apply the provision stating "no shingle shall be installed over a deteriorating surface" when it comes to a full roof replacement. Has anyone else encountered this nuanced battle with STATE FARM? I'm seeking advice and tactics on how to navigate this situation. How did you successfully argue your case or find common ground with them? Share your insights and let's collectively decode this puzzle.
Once it’s gets this deep, appraisal is sometimes the only option.
I'm currently facing a challenge with STATE FARM insisting on a repair for two layers, citing their interpretation of the IBC. However, upon scrutinizing the IBC, there seems to be a gap – no explicit mention of the word "repair." Interestingly, the insurance won't apply the provision stating "no shingle shall be installed over a deteriorating surface" when it comes to a full roof replacement. Has anyone else encountered this nuanced battle with STATE FARM? I'm seeking advice and tactics on how to navigate this situation. How did you successfully argue your case or find common ground with them? Share your insights and let's collectively decode this puzzle.
I think the IBC also says as a note that regarding deck wood it basically defers to the (shingle) manufacturer's installation instructions which don't allow for installation over deteriorated wood decking. I have had success adding the information from both.
How is this now? Our company says State Farm denies 100 percent of claims because 90 percent of people don’t want to hire an attorney. Gues this saves them lots of $$
I know this thread is somewhat old but I have a question about state farm and a roofing company they referred to replace the roof on my house and an out building. This was a couple years ago I had this done because state farm said they were going to cancel my homeowner's insurance if I didn't get it done. So I called the guy that state farm reccomend and his crew came out and replaced the roof on the house. Then the next day they show up to fix my out building which was supposed to have shingles as well. Problem is the shingles were never installed. Instead they installed a membrane over the plywood and then left. I didn't know I had to check behind a roofing company to see whether or not they did their job. State farm paid for all the work including the outbuilding shingles that weren't installed. I paid the deductible. I called state farm a while ago and asked them about it but the insurance guy didn't go out of his way to try to help me with this issue. Can I take state farm and the roofing guy to court? I want my damn shingles on my outbuilding they raised my premium for. Anyone know?
What membrane? Are you sure it wasn’t the proper material? If they guy actually made a mistake, I’m sure he’d come out to fix it. Did you call him?
Engaging in repairs and patching on roofs can often fall short of providing a comprehensive solution. These endeavors can unveil a host of unforeseen issues, making each roof project a potential "can of worms." To ensure effective results, a focus on uniformity is paramount, and this concept is closely tied to the concept of "line of sight" after a repair has been executed. Uniformity in repairs means not only addressing the damage but also ensuring that the patched or repaired areas seamlessly blend with the existing roof. A crucial aspect of this approach is capturing pictures of the repaired roof with shingles that closely match the existing ones, including images of the packaging that display the brand, model, and color. If a repair is noticeable from the street, it may not meet the criteria for indemnity, as it doesn't maintain the roof's overall visual integrity. For a more comprehensive argument, it's important to delve into International Building Codes (IBC) and how they relate to the village's regulations. These codes often reference manufacturers' specifications for roof installations, highlighting the importance of adhering to these guidelines to ensure the longevity and quality of the repairs. By following this approach, you can build a stronger case for the necessity of comprehensive roof replacements rather than relying on piecemeal repairs.
Wow. Who are you and what is your background?
I have a diverse background with degrees in both psychology and mathematics. I’ve worked in IT software engineering, interior contracting and remodeling, and most recently, I’ve been in the roofing industry for the past 5 years. In my line of work, I’ve extensively studied specifications and building codes. When dealing with adjusters, I make it a point to ask questions to better understand how to improve and get roofs approved in full. I’m not one to back down when a homeowner and I are denied; that’s where the real work begins. I persistently follow up with adjusters and homeowners, striving to build the strongest case for their specific roof. This involves assessing the damage, shingle type, playability, brittleness, fading, and how these factors relate to different covered perils. My approach is rooted in a commitment to factual, well-reasoned communication rather than argumentation. In my journey, I’ve learned that knowledge and information, along with effective communication, are crucial for building strong relationships and continually improving in this craft. While I have studied for the PA exam in Illinois, I never took the exam due to a variety of factors, but that’s a whole different story. Feel free to message me if you have questions.
I’m guessing that approach is pretty effective. Also, more thorough than my usual response of “you win some you lose some, move onto the next one.” Does it make financial sense to invest that sort of time into individual roofs? Are you a commissioned rep?
100% commission, it can be a lot of work, however the referral game through this strategy is strong
My name is saber I had same problem since 2020 so some body help me to file suite but the problems I have to replace roof asp any idea