Thanks for finally showing me what I’ve been looking for, I’m about to take my adjuster class and when I realized after looking at job descriptions one noted that I needed a 28 foot ladder, and then I remembered I was scared of heights. So I’ve been watching videos for the last three days of people walking on roofs lol and what equipment I should have but I’ve been having a tough time finding adjusters showing a day at work. Thanks! I pray I overcome this fear. I really don’t want to chicken out of a good opportunity.
Thank you for your comment. You will do fine! A heart to learn is what you need and a heart to do things to tackle your fears. It will make you a better person. Congrats on taking the Adjuster class. You’re on your way to a fantastic career. Keep in touch and let me know how it goes.
Me too. Get a good pair of cougar paws,two pitch hoppers and a goat and you'll be fine. Those pitch hoppers really grab on to even 12s and the goat with the steps is great to move quickly across steep roofs.
I have used that before. The problem is that it cannot be seen with overview photos of the whole roof. Our goal is the show the damage to the desk adjuster and if they can’t see the overall damage from the photo, they cannot make a good judgment call. You are right, that it works well.
You appear to be really honest and good at what you do. I know there are adjusters just looking to deny claims and I experienced that once.... Had a roof that was 5 years old and was damaged by a severe hail storm. My neighbors was damaged along with other houses. My trucks windshield was cracked in multiple places. But the adjuster who came out actually told me that the damage was not caused by hail and looked to be caused by a kid or kids running around on the roof 😱😱😱. I said my daughter is 5 and there is no way she is getting on the roof 😂. I had another adjuster come out who looked at the notes, then the roof and said hmmmmm. It looks like hail damage to me and it's covered m
Yes, unfortunately there are good and bad adjusters just like every industry. Ever been to get your car fixed, and the mechanic tells you tons of things wrong with your car, then you take it to another shop and he says you just need a tuneup? Happens all the time. I sorry for your bad experience, but hopefully never again. I try to adjust the homes I inspect honestly and thoroughly, like it was my home. It seems to work out ok. Thanks for watching!!
Been a few hours since I was offered to start this journey and I’ve been doing research and getting on top of roofs almost told me to stop but because it’s you lol I don’t even think I’d mind a little roof climb
@danieltheadjuster what happend when a roof needs replace an has significant damn from wind an hail what action should u take request new adjuster or head adjuster? If roof replacement don't get approved
@JohnMorganti-zd1fp Unfortunately, if the carrier does not approve, a roof replacement, there must be a reason. Policy restrictions, or carrier restrictions, due to their practices. it’s out of our hands at that point. We just tell them the damage. They are good and bad carriers.
in the last house of video, why hail dinged gutters must be replaced? it seems perfectly functional. other hail dinged damage that seems perfectly functional is that vent. would love your feedback, thanks
Subscribed! I'm in my third week of training with a large insurance company for the insurance adjuster role. I look forward to getting licensed and eventually go the independent adjuster route. Great content and I look forward to the next video!
So cool!---I am happy for you. You will not be disappointed to be an independent adjuster. So much freedom and it is quite fun too! Thanks for watching the videos. I appreciate it!!
@@danieltheadjuster !!! if you could bless me with some knowledge, my state(illinois) doesnt require a license but recommends getting an out of state license, would you say texas or florida is a better option.
Hi Daniel, as many here, I'm also in the process of becoming an adjuster. I've all ready taken and passed the All-Lines adjuster exam and have applied to TDI for my license. A friend turned me onto this and I was following his route, which is to work for Pilot, but listening to him...it doesn't seem that Pilot provided much of any training. They did a quick training session and through him out to do the job. I want to do this the right way, so my question to you is...how should I go about starting my career? I will have my license in a matter of days, but no formal training. Second question...I'm usually not afraid of heights, but man oh man, my heart skips several beats when I see the extreme pitches on some homes. How do you get over the fear? Once again, great job and thanks for responding.
Thanks so much for your questions. I think any of the big firms, Alacrity, Pilot, EA Renfroe, Wardlaw, etc. will give you a good training, to start, but it will not give you everything that you need. You have to remember that you will learn by experience and trial and error. There is no course that will teach you everything you will need to know to be a great adjuster. My suggestion, is to take the opportunities as they come, work at it as best as possible, then move onto the next experience. As far as heights, rope and harness training, along with your harness and ropes will be the best bet for you as you’re starting out. Can’t be too careful while you’re learning, and after you have been on many roofs, you’ll start to feel more comfortable. It’s always scary at the start. Check out some of the gear in the description of my videos that I refer to, as it’s the stuff that I use on the tricky roofs. Thanks for watching!!
I would recommend applying to be a ladder assist for a storm for training. It pays a lot less, but it still pays well. Basically you will be with an experienced adjuster for the deployment helping set up their huge ladder. They can teach you a lot and you will still be making money doing it.
This video aggravates me. Great video. But so common. You know what big dog. Show me how you do a inspection on a 10-12 roof. Please. With 2 feet of snow. ? Your the man.
After a while of climbing roofs, if you have good pads on your Cougar Paws, a 10/12 pitch is easy to walk on. Obviously if it has snow, you’ll have to inspect it later.
Thank you for your comment. . I climb many hard roofs that are 13 & 14/12 roofs. It’s not that I can’t climb those pitches, it’s that it is kind of hard to record a video at the same time LOL.
My biggest problem right now with being new to getting on roofs is I don’t have any fancy boots to keep me safe I just wear my vans and sometimes getting onto the roof brings me trouble because my first foot tends to want to slide off when I bring my other foot up haha!
Unfortunately, that is a very scary predicament. I run into it all the time and I hate it. Just secure it to the ground by stepping on it, and hope for the best.
@@danieltheadjuster Try using a ladder stabilizer at the top. It's a lot safer and you can install it one rung below so that you have something to attach to....stay safe out there....without the stabilizer, all it takes is a good gust of wind to lose your ladder....
It comes with approx. 400 macros of Property estimate cheats. Some are simple like gutters, (3 line items), others are more elaborate like drywall repairs, trim and paint, and others are very detailed like Fire and Flood complete room estimate line items. I think you will find them helpful.
Just came across this video. When doing a claim do you guys look at the actual shingle install? Say that they are installing iko Cambridge, and they high nailed every shingle and there's blowthroughs. Does that void the insurance claim? Because I'm a roofer and I just worked with someone who does all of that and he said that he has been roofing for 10 years (I've been roofing for 5) and that he knows how to properly install shingles. And I told him that he is voiding any type of warranty installing the shingles wrong. Am I right? Does him doing that void the roof from any type of insurance claim, etc.
Josh: As an Adjuster, we notate these incorrect shingle installations (nails overdriven, improper overlap, weaved valleys install incorrectly etc.) but we do not make coverage decisions. I will place a note in the file if I observe these items but leave it up to the Desk Adjuster to make the final call. As far as the warranty for the shingles, that would be up to the installer or the owner to follow through if the claim was denied. Hope this helps!
All this for the bean counters back at the office. A drone would work great on these high roofs. I would not trust my life on the gutters attachments and their supports. My luck has not been that good with gutter supports. They are light weight designed. My ladder came down too many time to trust gutters. You need a roof attachment supports on that ladder.
I am sorry that the ladder has not worked for you. I have had good luck I guess being on more than 3000 roofs without a major incident. The good Lord has been watching out for me for sure.
In the case where you need a second ladder to reach the top level, do you worry about your ladder damaging the lower roof surface? Seems like a very concentrated amount of weight in a small place. I realize as an adjustor, there's a high likelihood roofs you evaluate are going to be replaced; I'm a home inspector, and I worry about doing damage while I'm inspecting. Just curious what your thoughts are. Great videos, by the way.
Thank you for your comment. By the time that I am inspecting the home, the roofer has pretty much determined that there is hail damage on the roof and more than likely, I am there to confirm it for replacement . That being said, the shingles are normally in bad condition or at the end of their service life when I inspect . My ladders rarely damage the roof compared to all of the scuffs and other ladder marks that the insured has placed on the roof from installing their Christmas lights on the house. Ha ha I try to be very careful when placing the second ladder and it rarely makes any damage.
I am not sure but my best guess would be No wind or hail Left, No wind and hail Back, No wind and hail Front, etc. It was a weird way to dictate it. I normally just right Front H = 10+ , W = 12 or something like that.
The shoes last about a year and a half, depending on how many roofs you climb. The replacement pads, I replace about every two to three months. These are the best boots for climbing roofs.
@@danieltheadjuster ok I figure only the licensed adjuster could take those pics or at least that’s what it seems to me, really appreciate all the videos & da advice I am going to start as a desk adjuster soon and it’s a total different world to me never done anything close to it ever but I am going to try my best… God bless 🙏🏽
Any shingles that are damaged, nails pulled through, bent, creased, missing, are considered damaged shingles. You can add 10% waste to the repair to take into consideration the repair process. To replace the slope for wind damage, it is hard, and typically the insurance company wants to see a lot of shingles damaged (possibly as high as a 1/4 of the slope.).
Hi is it common practice for an insurance adjuster to just take a photo from ground level about 30 ft away from the house and call that an inspection? The adjuster looked at the roof from the ground for about 10 seconds and left. He didn't even come with a ladder or drone. I got denied for any damages from Hyundai home insurance. What recourse do I have to challenge this? Can the adjuster be held accountable for anything? Thank you so much. I am located in the NY metro area if that matters.
Thanks for your question Donald. Absolutely, this was not a thorough inspection. Best thing to do is to call back for a reinspection and ask for a different adjuster. Just explain to them exactly what you noted above and they will know it’s not a thorough inspection. It is possible that he called for a ladder assist to get on the roof. Are you aware of any other inspection? If this was a complete inspection, this is not acceptable. If they give you a hard time, you can call for a manager of the claims department, and then eventually the department of insurance. The squeaky door gets the oil.
Hire a certified public adjuster to advocate for you to the insurance company. They will actually get on the roof, find the damage, take pictures, and send it to the insurer.
In my opinion, an insured should not use a public adjuster at all possible. They take a portion of your settlement and a good field adjuster should be able to do the same amount of work with no charge to the insured. The insured could also ask for another field adjuster, if the first one is not adequate. It’s done all the time.
Thanks for the comment and thanks for watching. Right now I am offering 1 hour phone call consultations. This can help you a lot. Sign up here. Consultation Link clearskydroneimagery.com/adjuster-consultations/ola/services/video-consultation
I will climb until I feel unsafe. Maybe when my equilibrium messes up. Probably when I have my 3rd slip of being wobbly. haha Really though, I think as long as I can. I really enjoy climbing roofs.
Thank you for your details sir, i live in East side of Texas, I am in process buying a house, I had home inspection report said the roof was damage by hail year 2021. So I got 3 quote roofing contractor all said the roof was damage by hail. So the seller reports to his home insurance, but the adjuster insurance come to look at the roof and he said there is no hail damage on the roof. From your experience as adjuster insurance what do you think, please help. Thank you
Sure I’ve heard the story before. You can always request a second inspection. Sometimes the first adjuster does not know what he’s looking for because he’s new. If all of that fails, then ask for an engineer to prove that there’s no damage. Hope this helps.
A lot of times the engineer is someone that is HAAG certified. The insurance company will know what you’re talking about when you ask for one. This is someone who uses science and research as well as accreditation to determine whether there’s hail damage on the roof. It takes all the adjusters out of question and makes the engineer the ultimate authority.
Definitely a good start, being a roofer, not being afraid of roofs. Unfortunately, mostly, they don’t hire just roof adjusters. You might could be us steep and tall ladder assist. They mostly do roofs. Most adjusters handle all types of claims. Toilet overflows, Washing machine, dishwasher, theft, vandalism...etc. First thing to become an adjuster is to take a pre-licensing course and get licensed in your home state. Get certified to use Xactimate-Level 1&2 Find a local Adjuster, and maybe you can carry his ladder and learn from him. Get on the adjuster forums and study study study. It will come.
I want to be an adjuster. Right now I am in California. Do you have any recommendations? Aside from the last two years in have been in the business being a storm inspector for Roofing companies.
Check out catadjuster.org. Lots of great opportunities right now. Get licensed, trained and you will rock in Cali. So much work available there since you live there.
@@danieltheadjuster Right now I am in L.A. area. There are very few hail storms here. Do you mean with wind damage or other damage? I am accustomed to wind and hail.
Wow! If you are in LA, are you licensed there? I lived in Covington, LA for a bit. Tons of daily work there. Get licensed if you are not, get Xactimate certified, then call all the firms , tell them where you are located and that you are ready for work.
@@danieltheadjuster I am not licensed. I will look into that ASAP. I appreciate the feedback. You have been on some high roofs and the drone stuff is very cool. Good stuff 👍🏼
no---carriers want independents to climb roofs. Staff adjusters use drones. I think it is a safety issue for the staffers. The carriers don't have to worry about independents falling off a roof. haha
Drones work GREAT when a claim is paid BUT, when a claim is denied !!!!!! The insured will request a PHYSCIAL roof inspection ...... That is time and money waisted by both the insurance company and the adjuster .....
hi, i am an adjuster from germany. the dents on the rain gutter do not impair the function. it is a purely visual damage that is usually not subject to reimbursement, is it?
Yes, in the States we replace everything that is damaged, unless there’s a specific endorsement n the policy restricting metal roofing on other structures as cosmetic damage. Typically anything that is damaged, we write in the estimate. The desk adjuster will confirm coverage and adjust the estimate accordingly if needed.
I must be too heavy because I bend the gutters where the ladder is everytime climbing on to my roof! I'll stick to selling insurance and let the skinny adjusters do thier thang! 😄
First clue that house has hail damage, listen to all the roofers banging going on in the back ground. Sounds like the whole neighborhood needs replaced.
@@danieltheadjuster Ive been a roofer 33 years, I live in tornado alley and do a bunch of hail damaged homes. Just completed a 54 square re-roof that was hail damaged.
@@danieltheadjuster Biggest roof I've done is 580 squares of 4 ply hot mop with a cap sheet. Here is a link to the 54 square shingle job. The channel I'm commenting on your channel with is my fishing video channel. th-cam.com/video/bKEGZjVHXfg/w-d-xo.html
Yes it is very common to see 12/12 pitches. Rope and Harness training is a must. Other safety equipment include, the goat, ridge pro, and your cougar paws. You can climb 99% of the roofs with this equipment.
@@danieltheadjuster Is that a thing for your state? There are some carriers who don't even allow their adjusters to get on roofs during CAT claims and require drones. I personally know of a lot of adjusters who use drones and have their FAA license.
@@brandonmugele2224 Most of the drone operators that do inspections are staff adjusters. Independent adjusters cannot use drones. The carrier wants boots on the roof.
Go to your state adjuster license testing center to take your license. But study through any online adjuster pre-licensing course before taking the test. These pre-licensing courses will help you pass the test.
Not really, but definitely do it if you feel you need to. I remember roping many roofs when the granules were a little loose, but now I feel very comfortable and have figured out the time when I need to use a rope. Some Carriers pay for rope and harness. ($150 per roof). I use it when I need it, knowing that I can get paid for the extra time involved in being safe. Always do what is comfortable for you.
@@danieltheadjuster thanks for reply. That’s interesting some carriers pay extra for that. I used to work sales for a roofing company and liked it but had a fear of falling. Being tied off I would have no issue going for my adjuster license.
@@franklinbruce7121 that’s correct. If you need a rope, use it. Never climb a roof you are not comfortable with. I have been climbing roofs for 35 years. I feel very comfortable on a roof.
Ladder safety is very important. I have been on ladders for 32 years. I have been on roofs for 28. It is second nature after a while. Ladder safety is very important and I recommend it for everyone that needs it.
My macros are very comprehensive. Pretty much everything that you would write in an estimate, is included in one of these macros. I use these every day, to write my estimates.
Thanks for finally showing me what I’ve been looking for, I’m about to take my adjuster class and when I realized after looking at job descriptions one noted that I needed a 28 foot ladder, and then I remembered I was scared of heights. So I’ve been watching videos for the last three days of people walking on roofs lol and what equipment I should have but I’ve been having a tough time finding adjusters showing a day at work. Thanks! I pray I overcome this fear. I really don’t want to chicken out of a good opportunity.
Thank you for your comment. You will do fine! A heart to learn is what you need and a heart to do things to tackle your fears. It will make you a better person. Congrats on taking the Adjuster class. You’re on your way to a fantastic career. Keep in touch and let me know how it goes.
Zackly, same here
Awesome!!
Me too. Get a good pair of cougar paws,two pitch hoppers and a goat and you'll be fine. Those pitch hoppers really grab on to even 12s and the goat with the steps is great to move quickly across steep roofs.
Welders chalk works better than sidewalk chalk. Glad you are using those cougar paws!
I have used that before. The problem is that it cannot be seen with overview photos of the whole roof. Our goal is the show the damage to the desk adjuster and if they can’t see the overall damage from the photo, they cannot make a good judgment call. You are right, that it works well.
You appear to be really honest and good at what you do. I know there are adjusters just looking to deny claims and I experienced that once.... Had a roof that was 5 years old and was damaged by a severe hail storm. My neighbors was damaged along with other houses. My trucks windshield was cracked in multiple places. But the adjuster who came out actually told me that the damage was not caused by hail and looked to be caused by a kid or kids running around on the roof 😱😱😱. I said my daughter is 5 and there is no way she is getting on the roof 😂.
I had another adjuster come out who looked at the notes, then the roof and said hmmmmm. It looks like hail damage to me and it's covered m
Yes, unfortunately there are good and bad adjusters just like every industry. Ever been to get your car fixed, and the mechanic tells you tons of things wrong with your car, then you take it to another shop and he says you just need a tuneup? Happens all the time. I sorry for your bad experience, but hopefully never again. I try to adjust the homes I inspect honestly and thoroughly, like it was my home. It seems to work out ok.
Thanks for watching!!
Been a few hours since I was offered to start this journey and I’ve been doing research and getting on top of roofs almost told me to stop but because it’s you lol I don’t even think I’d mind a little roof climb
That’s great!! Keep it up.
It gets easier every roof you climb.
Newly licensed adjuster. Just absorbing! Great content
Thank you so much…appreciate the comment, Keep watching, you’ll learn lots
@danieltheadjuster what happend when a roof needs replace an has significant damn from wind an hail what action should u take request new adjuster or head adjuster? If roof replacement don't get approved
@JohnMorganti-zd1fp
Unfortunately, if the carrier does not approve, a roof replacement, there must be a reason. Policy restrictions, or carrier restrictions, due to their practices. it’s out of our hands at that point. We just tell them the damage. They are good and bad carriers.
Interesting info thank you for shearing great work.
You are very welcome, thanks for watching
Got scared watching you walk on that roof. Great info .
Ha ha, thanks
Great video! 🙌
Glad you liked it!!
very useful information, thanks
Glad it was helpful. Thanks for watching!!
Thank you for your hard work. I am working on my license. Your content is great!
Fantastic! Welcome to the club. Thanks for watching.
Great video. Can you make a video on identifying hail vs other types of damage such as wear and tear vs blistering or poor ventilation etc. Thanks.
I think I made one already. Check out all of my other Hail inspection videos. I think I talked about mechanical damage.
in the last house of video, why hail dinged gutters must be replaced? it seems perfectly functional. other hail dinged damage that seems perfectly functional is that vent. would love your feedback, thanks
@splinter8899 Yes, we have to replace everything that is damaged due to the storm. Even if it is functional.
This looks so scary kudos to you
Thanks
Subscribed!
I'm in my third week of training with a large insurance company for the insurance adjuster role. I look forward to getting licensed and eventually go the independent adjuster route.
Great content and I look forward to the next video!
So cool!---I am happy for you. You will not be disappointed to be an independent adjuster. So much freedom and it is quite fun too! Thanks for watching the videos. I appreciate it!!
hey man its been a year, hows the adjuster life? im looking to get into this career. Are you an IA now?
Good follow up question
@@danieltheadjuster !!! if you could bless me with some knowledge, my state(illinois) doesnt require a license but recommends getting an out of state license, would you say texas or florida is a better option.
@@zukodama666 I would say Indiana. Indiana is reciprocal to more states than Texas.
Hi Daniel, as many here, I'm also in the process of becoming an adjuster. I've all ready taken and passed the All-Lines adjuster exam and have applied to TDI for my license. A friend turned me onto this and I was following his route, which is to work for Pilot, but listening to him...it doesn't seem that Pilot provided much of any training. They did a quick training session and through him out to do the job. I want to do this the right way, so my question to you is...how should I go about starting my career? I will have my license in a matter of days, but no formal training. Second question...I'm usually not afraid of heights, but man oh man, my heart skips several beats when I see the extreme pitches on some homes. How do you get over the fear? Once again, great job and thanks for responding.
Thanks so much for your questions. I think any of the big firms, Alacrity, Pilot, EA Renfroe, Wardlaw, etc. will give you a good training, to start, but it will not give you everything that you need. You have to remember that you will learn by experience and trial and error. There is no course that will teach you everything you will need to know to be a great adjuster. My suggestion, is to take the opportunities as they come, work at it as best as possible, then move onto the next experience. As far as heights, rope and harness training, along with your harness and ropes will be the best bet for you as you’re starting out. Can’t be too careful while you’re learning, and after you have been on many roofs, you’ll start to feel more comfortable. It’s always scary at the start.
Check out some of the gear in the description of my videos that I refer to, as it’s the stuff that I use on the tricky roofs.
Thanks for watching!!
I would recommend applying to be a ladder assist for a storm for training. It pays a lot less, but it still pays well. Basically you will be with an experienced adjuster for the deployment helping set up their huge ladder. They can teach you a lot and you will still be making money doing it.
Good point !
This video aggravates me. Great video. But so common. You know what big dog. Show me how you do a inspection on a 10-12 roof. Please. With 2 feet of snow. ? Your the man.
After a while of climbing roofs, if you have good pads on your Cougar Paws, a 10/12 pitch is easy to walk on. Obviously if it has snow, you’ll have to inspect it later.
@@danieltheadjuster i respect you sir please do a hard roof i mean really hard. show us young guys how to do it. please sir.
Thank you for your comment. . I climb many hard roofs that are 13 & 14/12 roofs. It’s not that I can’t climb those pitches, it’s that it is kind of hard to record a video at the same time LOL.
Why be this way, he just did a simple video trying to help others
No worries, it is what it is!
My biggest problem right now with being new to getting on roofs is I don’t have any fancy boots to keep me safe I just wear my vans and sometimes getting onto the roof brings me trouble because my first foot tends to want to slide off when I bring my other foot up haha!
Oh my! I cannot imagine climbing roofs without cougar paws. Safety first buddy. You can’t adjust of your flat on your back on the ground!
super useful, how do you secure the ladder if they have no gutter
Unfortunately, that is a very scary predicament. I run into it all the time and I hate it. Just secure it to the ground by stepping on it, and hope for the best.
@@danieltheadjuster Try using a ladder stabilizer at the top. It's a lot safer and you can install it one rung below so that you have something to attach to....stay safe out there....without the stabilizer, all it takes is a good gust of wind to lose your ladder....
Thanks for the suggestion. My ladder is very heavy. Wind is not going to blow it over, well maybe a tornado or hurricane will. Ha ha
Staff adjuster looking to make the switch to independent. What all comes with your macros?
It comes with approx. 400 macros of Property estimate cheats. Some are simple like gutters, (3 line items), others are more elaborate like drywall repairs, trim and paint, and others are very detailed like Fire and Flood complete room estimate line items. I think you will find them helpful.
Just came across this video. When doing a claim do you guys look at the actual shingle install? Say that they are installing iko Cambridge, and they high nailed every shingle and there's blowthroughs. Does that void the insurance claim?
Because I'm a roofer and I just worked with someone who does all of that and he said that he has been roofing for 10 years (I've been roofing for 5) and that he knows how to properly install shingles. And I told him that he is voiding any type of warranty installing the shingles wrong.
Am I right? Does him doing that void the roof from any type of insurance claim, etc.
Josh:
As an Adjuster, we notate these incorrect shingle installations (nails overdriven, improper overlap, weaved valleys install incorrectly etc.) but we do not make coverage decisions. I will place a note in the file if I observe these items but leave it up to the Desk Adjuster to make the final call. As far as the warranty for the shingles, that would be up to the installer or the owner to follow through if the claim was denied. Hope this helps!
It voids the manufacturer warranty but not an insurance claim especially due to hail damage
Good point!
All this for the bean counters back at the office. A drone would work great on these high roofs. I would not trust my life on the gutters attachments and their supports. My luck has not been that good with gutter supports. They are light weight designed. My ladder came down too many time to trust gutters. You need a roof attachment supports on that ladder.
I am sorry that the ladder has not worked for you. I have had good luck I guess being on more than 3000 roofs without a major incident. The good Lord has been watching out for me for sure.
In the case where you need a second ladder to reach the top level, do you worry about your ladder damaging the lower roof surface? Seems like a very concentrated amount of weight in a small place. I realize as an adjustor, there's a high likelihood roofs you evaluate are going to be replaced; I'm a home inspector, and I worry about doing damage while I'm inspecting. Just curious what your thoughts are. Great videos, by the way.
Thank you for your comment.
By the time that I am inspecting the home, the roofer has pretty much determined that there is hail damage on the roof and more than likely, I am there to confirm it for replacement . That being said, the shingles are normally in bad condition or at the end of their service life when I inspect . My ladders rarely damage the roof compared to all of the scuffs and other ladder marks that the insured has placed on the roof from installing their Christmas lights on the house. Ha ha
I try to be very careful when placing the second ladder and it rarely makes any damage.
What does L.W.H, B.W.H, and F.W.H mean with a circle and a Diagonal line through the circle? Thanks
I’m sorry, I am not familiar with this. Where did you see this?
@@danieltheadjuster home insurance inspection in NJ
@@danieltheadjuster thanks for quick response
I am not sure but my best guess would be No wind or hail Left, No wind and hail Back, No wind and hail Front, etc.
It was a weird way to dictate it.
I normally just right Front H = 10+ , W = 12 or something like that.
@@danieltheadjuster thanks great videos
How long do those shoes with the foam bottoms last? Can the foam piece be replaced if they wear out or do you just buy a new pair?
The shoes last about a year and a half, depending on how many roofs you climb. The replacement pads, I replace about every two to three months. These are the best boots for climbing roofs.
Hi Daniel luv your videos
Does your family help you with your business, guess what I want to know is can someone else take those pics…
Thank you for your comments. I do all my videos by myself. haha Would be nice to have a videographer!
@@danieltheadjuster ok I figure only the licensed adjuster could take those pics or at least that’s what it seems to me, really appreciate all the videos & da advice I am going to start as a desk adjuster soon and it’s a total different world to me never done anything close to it ever but I am going to try my best… God bless 🙏🏽
@lyzfernandez4043 congratulations on your desk adjuster position
You will love this job
It is very rewarding
Thanks for watching
when you have wind plows couple shingles, does the insurance will help you fix the cost or just repair those missing shingles only?
Any shingles that are damaged, nails pulled through, bent, creased, missing, are considered damaged shingles. You can add 10% waste to the repair to take into consideration the repair process. To replace the slope for wind damage, it is hard, and typically the insurance company wants to see a lot of shingles damaged (possibly as high as a 1/4 of the slope.).
@@danieltheadjuster thank you
@@kajcheechannel698 you are welcome!
You are welcome!
@@kajcheechannel698 You are welcome!
Hi is it common practice for an insurance adjuster to just take a photo from ground level about 30 ft away from the house and call that an inspection? The adjuster looked at the roof from the ground for about 10 seconds and left. He didn't even come with a ladder or drone. I got denied for any damages from Hyundai home insurance. What recourse do I have to challenge this? Can the adjuster be held accountable for anything? Thank you so much. I am located in the NY metro area if that matters.
Thanks for your question Donald. Absolutely, this was not a thorough inspection. Best thing to do is to call back for a reinspection and ask for a different adjuster. Just explain to them exactly what you noted above and they will know it’s not a thorough inspection. It is possible that he called for a ladder assist to get on the roof. Are you aware of any other inspection? If this was a complete inspection, this is not acceptable.
If they give you a hard time, you can call for a manager of the claims department, and then eventually the department of insurance. The squeaky door gets the oil.
Hire a certified public adjuster to advocate for you to the insurance company. They will actually get on the roof, find the damage, take pictures, and send it to the insurer.
In my opinion, an insured should not use a public adjuster at all possible. They take a portion of your settlement and a good field adjuster should be able to do the same amount of work with no charge to the insured. The insured could also ask for another field adjuster, if the first one is not adequate. It’s done all the time.
Thank you for your Content. I’d love to connect if you have a mentorship group or program.
Thanks for the comment and thanks for watching. Right now I am offering 1 hour phone call consultations.
This can help you a lot. Sign up here. Consultation Link clearskydroneimagery.com/adjuster-consultations/ola/services/video-consultation
Daniel, at what age will you stop walking on roofs? I love being on them and up high. But my wife is against the idea of me adjusting roofs.
I will climb until I feel unsafe. Maybe when my equilibrium messes up. Probably when I have my 3rd slip of being wobbly. haha Really though, I think as long as I can. I really enjoy climbing roofs.
Thank you for your details sir, i live in East side of Texas, I am in process buying a house, I had home inspection report said the roof was damage by hail year 2021. So I got 3 quote roofing contractor all said the roof was damage by hail. So the seller reports to his home insurance, but the adjuster insurance come to look at the roof and he said there is no hail damage on the roof.
From your experience as adjuster insurance what do you think, please help.
Thank you
Sure I’ve heard the story before. You can always request a second inspection. Sometimes the first adjuster does not know what he’s looking for because he’s new. If all of that fails, then ask for an engineer to prove that there’s no damage. Hope this helps.
@@danieltheadjuster . When you say engineer. Who is the engineer sir. The roofer ? I’m not sure who is this engineer.
Thank you for response back.
A lot of times the engineer is someone that is HAAG certified. The insurance company will know what you’re talking about when you ask for one. This is someone who uses science and research as well as accreditation to determine whether there’s hail damage on the roof. It takes all the adjusters out of question and makes the engineer the ultimate authority.
How can I become a roof adjuster. I’m 26 and been working on roofs since 18
Definitely a good start, being a roofer, not being afraid of roofs.
Unfortunately, mostly, they don’t hire just roof adjusters. You might could be us steep and tall ladder assist. They mostly do roofs.
Most adjusters handle all types of claims. Toilet overflows, Washing machine, dishwasher, theft, vandalism...etc.
First thing to become an adjuster is to take a pre-licensing course and get licensed in your home state. Get certified to use Xactimate-Level 1&2
Find a local Adjuster, and maybe you can carry his ladder and learn from him.
Get on the adjuster forums and study study study. It will come.
@@danieltheadjuster thank you for your thorough response!
Anytime!!
@@danieltheadjuster you are 💯🎯 !!!!!
@@franklinbruce7121 thanks for the comment
I want to be an adjuster. Right now I am in California. Do you have any recommendations? Aside from the last two years in have been in the business being a storm inspector for Roofing companies.
Check out catadjuster.org. Lots of great opportunities right now. Get licensed, trained and you will rock in Cali. So much work available there since you live there.
@@danieltheadjuster Right now I am in L.A. area. There are very few hail storms here. Do you mean with wind damage or other damage? I am accustomed to wind and hail.
Wow! If you are in LA, are you licensed there? I lived in Covington, LA for a bit. Tons of daily work there. Get licensed if you are not, get Xactimate certified, then call all the firms , tell them where you are located and that you are ready for work.
@@danieltheadjuster I am not licensed. I will look into that ASAP. I appreciate the feedback. You have been on some high roofs and the drone stuff is very cool. Good stuff 👍🏼
Thanks! best of luck, this is a great career!
hello, can you please recommend a home insurance company that you believe is good from your perspective?
Progressive or Universal North America are my favorites
Why do you need to climb on roofs? Aren’t claims all done with drones?
no---carriers want independents to climb roofs. Staff adjusters use drones. I think it is a safety issue for the staffers. The carriers don't have to worry about independents falling off a roof. haha
Drones work GREAT when a claim is paid BUT, when a claim is denied !!!!!! The insured will request a PHYSCIAL roof inspection ...... That is time and money waisted by both the insurance company and the adjuster .....
@@franklinbruce7121 agreed
hi, i am an adjuster from germany. the dents on the rain gutter do not impair the function. it is a purely visual damage that is usually not subject to reimbursement, is it?
Yes, in the States we replace everything that is damaged, unless there’s a specific endorsement n the policy restricting metal roofing on other structures as cosmetic damage. Typically anything that is damaged, we write in the estimate. The desk adjuster will confirm coverage and adjust the estimate accordingly if needed.
When you doing a claim like this, you always creating a roof drawing in the xactimate or is not always a requirement?
Every roof inspection needs a drawing in Xactimate
@@danieltheadjuster Thank you!
I must be too heavy because I bend the gutters where the ladder is everytime climbing on to my roof! I'll stick to selling insurance and let the skinny adjusters do thier thang! 😄
That’s funny, sometimes the gutters are just poor quality. It’s not always you.
I would’ve waited until later to inspect this one. That one slope looks wet…⛔️
Gotta get it done-waiting just prolongs the claim from being settled for the insured. Insured first, adjuster second!!
Adjuster safety is ALWAYS #1. If the “pucker-factor” is too high, I’ll find alternate ways.
Good for you, I have a different perspective. Insured and Carrier first.
@@danieltheadjuster most major carriers cannot deny a hail claim when there is a wet roof.
@@tylerdixon3160 yes
First clue that house has hail damage, listen to all the roofers banging going on in the back ground. Sounds like the whole neighborhood needs replaced.
So true!!
@@danieltheadjuster
Ive been a roofer 33 years, I live in tornado alley and do a bunch of hail damaged homes. Just completed a 54 square re-roof that was hail damaged.
So cool, love those big roofs! The biggest one I approved was a house with 84 squares and a 50 year shingle. Sheesh!!
@@danieltheadjuster
Biggest roof I've done is 580 squares of 4 ply hot mop with a cap sheet. Here is a link to the 54 square shingle job. The channel I'm commenting on your channel with is my fishing video channel. th-cam.com/video/bKEGZjVHXfg/w-d-xo.html
Cool
What ??/12 roof pitch do you normally access
Yes it is very common to see 12/12 pitches. Rope and Harness training is a must.
Other safety equipment include, the goat, ridge pro, and your cougar paws. You can climb 99% of the roofs with this equipment.
Hey Daniel. What carriers allow drones? Or does it matter as long as the roof photos are taken in high quality?
Drones are not allowed for Independent Adjusters. Not yet!!!
@@danieltheadjuster oooooo ok
Yeah, it sucks. I’m looking forward to it one day!!
@@danieltheadjuster Is that a thing for your state? There are some carriers who don't even allow their adjusters to get on roofs during CAT claims and require drones. I personally know of a lot of adjusters who use drones and have their FAA license.
@@brandonmugele2224 Most of the drone operators that do inspections are staff adjusters. Independent adjusters cannot use drones. The carrier wants boots on the roof.
What’s the course name to get a adjuster License ? Where do I take it
Go to your state adjuster license testing center to take your license. But study through any online adjuster pre-licensing course before taking the test. These pre-licensing courses will help you pass the test.
It's called 'how to be a super dick course' Google it
@@jeremywilliams9363, if you don’t agree with this, don’t watch
What shoes do you wear for walking on roofs?
They are called Cougar Paws.
@@danieltheadjuster you rolling with The BEST shoes/boots !!!!!
@@franklinbruce7121 thanks
@@danieltheadjuster got my FIRST pair of Cougar Paws Friday !!!!!
@@franklinbruce7121 awesome!!! You will love them! They will keep you safe.
Is it practical to rope off every roof you go on?
Not really, but definitely do it if you feel you need to. I remember roping many roofs when the granules were a little loose, but now I feel very comfortable and have figured out the time when I need to use a rope.
Some Carriers pay for rope and harness. ($150 per roof). I use it when I need it, knowing that I can get paid for the extra time involved in being safe.
Always do what is comfortable for you.
@@danieltheadjuster thanks for reply. That’s interesting some carriers pay extra for that. I used to work sales for a roofing company and liked it but had a fear of falling. Being tied off I would have no issue going for my adjuster license.
Go for it!! Nothing stopping you now!!
@@danieltheadjuster thank you
Anytime!!
K no mame son detallitos k se marcan cuando uno camina son buenos para revisar ese pith k se suba al 12/12 ay nomas lo mira
English please
He's got a tape measure....a tape measure....uhh..... a tape measure...........uh..... a tape measure.
Oh...and a tape measure.
Ha ha
What happens if you’re a woman ?
I have seen many women adjusters. There’s nothing to stop you from succeeding.
You obviously don't work for state farm; it appears you actually pay out.
I just write for the damage I see. It’s not up to me but the Carrier to decide on what they’re paying.
Who ever taught you ladder safety ? You better get your money back and retrain.
At least he HAD A ROPE & HARNESS in the van !!!!!
@@franklinbruce7121 that’s correct. If you need a rope, use it. Never climb a roof you are not comfortable with. I have been climbing roofs for 35 years. I feel very comfortable on a roof.
Ladder safety is very important. I have been on ladders for 32 years. I have been on roofs for 28. It is second nature after a while. Ladder safety is very important and I recommend it for everyone that needs it.
Staff adjuster looking to make the switch to independent. What all comes with your macros?
My macros are very comprehensive. Pretty much everything that you would write in an estimate, is included in one of these macros. I use these every day, to write my estimates.