Failed Roof Repair Attempt for Insurance Claim
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- เผยแพร่เมื่อ 9 ส.ค. 2021
- In this video, Restoration Roofing's owner, Brent Simmons, takes you behind the scenes on a repair attempt for a roof insurance claim.
As you will see the roof is in need of replacement, but only qualified for a repair attempt. Follow along as Brent shows how insufficient the suggested matching shingle is compared to the homeowner's current shingles, as well as the level of damage the roof undergoes by attempting the repair.
At Restoration Roofing we will continue to fight for our customer's to get the coverage they deserve in filing a roof insurance claim. If you are located in Memphis, TN and interested in working with us, give us a call at 901-854-3402. - แนวปฏิบัติและการใช้ชีวิต
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Thanks man, I have a 70 Sq roof in Georgia they elected to repair after a massive hailstorm. Roof is almost 23 years old. And they opened coverage for a repair.
Yea! I hope you get it covered! Is it discontinued?
Great video!!! I’m fighting multiple claims in Louisiana due to Ida. This is exactly what my team needs! Great great info!!!
Amazing! It thrills me to know that I’m helping out. That’s what I’m here for! Keep on fighting the good fight!
Literally my favorite video you’ve done!!
Thanks!
As an adjuster, I’m always amused by the embellished commentary by roofers during these repair attempt videos. With that said, this is an example of what I would call a “reasonable and prudent repair attempt performed in good faith.” No excessive manipulation to create damage, you knew where the nails were, you avoided unsealing too many surrounding shingles, and overall I think you made your point. Don’t even bother with the matching argument, stick to the mechanics. I know within 10 seconds of getting on a roof whether I’m going to buy it, now or later. Sometimes the adjuster just needs your help to make the case. Nice work.
Adam, your comment has to be my favorite video comment of all time. It means a lot to hear encouraging words from an adjuster. We always try to call it how it is. Legitimate damage is legitimate damage, and I knew this roof had legitimate damage. We have really good relationships with most of the adjusters here in town and I know y’all’s job is tough! Stay safe on the slopes man.
He is in Tennessee they have a clear as day color matching law.
Just had a new roof installed and it already came up in high winds just 4 weeks later
@@GunninWizard
A few possibilities.
May be bad install. Perhaps the nail gun was pressured too high?
A lot of roof companies give free inspections, but hopefully you had a warranty for labor and material from a licensed and insured company
Matching state if TN like one comment said. Law is law. Cannot be close enough. Don’t take that from an insurance company.
Amazing Video. Thank you for sharing
Thank you for the feedback! Thank you!
Thanks for sharing. Great content
Thank YOU josh!
Thanks for making the video. My workers made one and they kicked it back with all these claims about how he wasn’t be cautious. They are doing the typical “try not to pay out” when we all know damn well the home owner is for sure in a position to get approved.
Thanks for the comment. Yes, you have to show an over-abundance of caution because they are looking for you to slip up. I’ve had it happen to me. Now I’m gentle with the shingles, and they still tear lol
@@roofingtips yup, did it today. I’ll see if they kick it back
I wish I saw this last week😣😣😣I just got mines denied for improper install and pop nails. Big leak near porch.
Wolfechase area. And the roofer I signed work agreement isn’t helpful with the claims process. It’s been a nightmare. Many many sleepy nights 😞
We have to do these on every claim as well, I believe this is just part of the “New Way” at least here in southern Maryland, the insurance companies are looking for every way to get out of paying for shingle roofs, for some reason they have no problem paying for anything and everything else. Crazy
Yeah unfortunately this does seem to be the new norm. But it really just depends on the carrier. State Farm will make you do it every time
@@roofingtips
Doing this for State Farm now. They suck
Thank you for the video. It's very informative. I have a quick question if you have the time to answer. Are insurance companies in Maryland required to let the contractor do this test? I have statefarm and my desk adjustor won't let us do the attempt to repair/brittle test.
I don’t know the specifics of doing this in Maryland. We have matching laws here in Tennessee that help us prevent insurance companies from making us install mis- matched shingles. You may want to look into hiring a public adjuster to help you out.
Wow super helpful!
Glad we could help!
Hello thank you for the video. I just got a quick question about my roof repair if you can please answer it for me. State farm told me they will repair partial of my roof about 30 shingles in total but I have two layer of architecture shields on my roof already. What they told my roofer to do is just replace the top shingle. In the city I lived in it says in the city ordinances " If the existing roof has two or more layers of any type of roof covering system, a "tear-off" (removal) of the existing covering system needs to be done to provide a weather resistant envelope and ensure that the structural support of the roof is safeguarded" do I have a right to right over a new roof ? Or should I just give up and get part of my roof fixed ?
Thank you
I would fight it. First I’d determine if the shingle was discontinued. If it was, I’d use that to prove that it can’t be repaired properly. I’d also use the fact that it’s two layers and can’t be properly repaired. 30 shingles is a lot and it would give me enough to try and fight with.
hey man good video. In your experience what insurance company would you recommend people to go with? Who out there will be fair with you in event of claim?
I appreciate the kind words. We have always had great experiences with Chubb and Pure insurance companies. They are high end, though. USAA and Nationwide are great mid-tier companies.
A question ... A little off topic but jw, how come the nails above the shingle being repaired have to be removed as well ?
I thought the nails only go into the common bond/tar strip of a shingle. Unless the nails above are nailed into the shingle being repaired at the top as well ? Just a little confused.
Btw great video, legitimate claims are legitimate claims.
Good question. Depending on the size of the shingle and the placement of the nails when they were installed, you can have nails hitting the very top edge of the shingles you are replacing. Without removing those nails, it’ll be impossible to slide the new shingle back in.
@@roofingtips Ahh I see. Thanks for the explanation.
If the new shingle is larger, can you trim the excess?
That is against manufacturers specifications. Shingles can only be cut on the edges of rakes and in valleys.
I have roof damage from a nice storm had big branches come off a tree and go through the roof and all state is wanting to do this test I believe do you guys work here in Michigan?
We do not operate in Michigan. Tennessee only! But do me a favor: send me your contact info to Brent@restorationroofing.com and I’ll get you in contact with a really good contractor. I know a few in that area
Very good video. Certainly with the number or shingles damaged on this roof it appears replacement would have been warranted. But where is the responsibility of the homeowner versus a few shingles that are damaged and whole roof is significantly worn, fails brittle test, etc. The roof was in poor condition prior to a few shingle tabs getting damaged, prior to the loss. An insurance policy provides coverage for the actual damage. In many cases, that is just a few tabs. Insurance should not be responsible to replace an entire roof that was not maintained or coming to the end of it's useful life. The homeowner should take the money for damages covered by the policy and add it to the replacement expense to get their new roof. Replacing full roof that was in poor condition prior to the loss takes away the homeowners responsibility to maintain their property and causes everyone's insurance rates to go up.
Found this to be a good video, very informative. Just don't think it is always the responsibility of the insurance company to maintain my home, only share in the cost for the covered damages, which still helps offset some of the expense.
I agree with you. Too many homeowners want to open claims when it is naturally time to replace. This roof, however, had legitimate wind damage. There was a tornado that caused damage to the roof and other parts of the home. It was an old roof, but it had some more life left in it if it were maintained. Also, Tennessee is a matching state, so if the shingle can’t be repaired, they will replace it as long as there is no exemption in the policy for that.
I don't necessarily agree. While I think it's important for homeowners to perform small repairs where applicable (pipe collars, ridge cap, certain flashings, etc.) - "maintaining" a roof isn't like maintaining a vehicle. You are not able to place your roof in the garage when you are not using it. It is continuously exposed to perilous conditions. Which can sometimes lead to the shingles falling short of their intended lifespan. Heavy blistering, thermal cracking, brittleness, and other conditions present on a roof are all part of the roofing systems repairability. These conditions are not the fault of the homeowner no more than the weather itself is their fault. They've performed their maintenance as needed - a non-leaking roof is a well maintained roof. It is for this reason, that one wind damaged shingle can domino a full roofing system if the current product is discontinued and/or the current roofing system is deemed unrepairable.
Keep in mind: Many systems ARE repairable. However, I am only making a case for the older roofs with homeowner's who have done their due diligence and upkeep.
Why didn’t you use the eye dropper to pull the nails????
Working on a claim, she has been inspected 2 times. The insurance company SF wants to pay for a Repair on a roof that's 24sq, 87 damaged shingles
Are you the homeowner or the contractor? I would pull a shingle and send it to Itel to verify if it is still available or not. If it is not, I would argue matching if you can do that in your state. Then I would do a repair attempt and prove if it is repairable. If the old shingles surrounding the damaged shingles are too brittle, then you can argue that you can’t repair it. You can also hire a Public Adjuster and take the claim to appraisal.
@@roofingtips Thanks for the reply. I'm a licensed Pa and Roofer, just another battle with the insurance company. I liked the format you did your video in to supply as evidence, easy to understand and exactly what they need. I appreciate the input though for sure, I am going to make a recording for the carrier pretty much the same way showing the brittleness, matchability and size comparison and hope for the best. Sometimes getting them to cover things that should be covered surely is a pain, they do spend a lot of money trying to portray the good guys all the time if only people knew the battles we go through just to get them to be honest.
Thanks for the kind words. I’m glad I could help. Insurance carriers really don’t seem to have their customers best interests in mind. It’s the only industry where a customer pays money to basically have an adversary. It’s strange
I’m sure it’s Allstate
It was not Allstate, it was the other big one
State farm has been horrible in the midwest lately.. off topic a little, but i think healthcare is broken and insurance.. costs are snowballing upward,,and fast ,,people dont even want to go to the hospital in fear of not being able to pay deductiblez more than ever...and car and homeowners ins is spiking drastically the past year. I think they offer more people plans with ebem higher deductibles on homeowner ins. Like 5 or 10% ded of value./ catastrophic plan. to counter the premiums...i know people rolln the dice amd not carrying any on there car and home
Is BS the insurance company they charge a lot of money I pay 31 years house insurance my roof Star leaky Roof I make my claim to the insurance company and they don’t want to put a new roof The is a BS
Does your roof have damage on it from a storm?
Great video. thank you adjusters call me and say I'm sorry its not me
Glad I could help!
Have you ever charged for making these repair attempts and making a video? Since this is basically a stall tactic... I'm starting to feel like we should charge the insurance company for these video productions on a roof. In some cases it could be deemed very unsafe. They should pay for the attempt. What's your thoughts or experience on this?
This is something we are actually going to start billing for. In the past, I have just viewed it as a cost of doing business, but I have heard from an actual insurance adjuster that we should charge for it. A reasonable amount though.
You can charge a tarp fee if the attempt to repair fails. The tarp ensures no further leaks happen due to this repair.
I’m a Florida roofing contractor. I don’t mess with insurance crap. If you are a homeowner and you want me to roof your house,you pay me directly.
A lot of companies do that model. We do from time to time depending on the situation. It’s not a bad way to do it! Good luck out there and roof on!
Please pick up your nails and put them in your pouch. All I can think of during the video was you were going to step on one and damage the shingle
Haha thanks for the concern! I promise you, all nails were accounted for during this repair attempt!