Roof storm damage and insurance claims
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- เผยแพร่เมื่อ 6 ก.ย. 2024
- Homeowners insurance is a good layer of protection in case of a loss due to natural disaster fire etc etc. Not a maintenance policy for items that wear out..
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Probably the most honest and ethical roofer out there. Completely agree. Unfortunately, so many others who only focus on profits don’t see it the same way. Yet everyone then complains when their premiums increase
Good job diagnosing the problem with the roof and description of hail damage.
You are 100% right and anyone who disagrees is probably a storm chaser just milking insurance
Manufacturer defect. Also can we talk about the pipe flashing and chimney flashing that were installed wrong. Also noticed shingles slipping out.
100% saw those slipping shingles haha
Definitely some type of manufacturing issue. You can tell extremely clearly on that first run you showed.
Claim adjuster here and definitely manufacturer defect, wear and tear, or a combo of both. Consistent patterns across the roof even on shaded and non-windward sides and you can see the pattern. Would suggest to insured to work with a licensed roofer and see if manufacturer would inspect for warranty.
Another critical thing to note. Most roofers either don't know this or don't care. Pushing insureds to file claims on these can actually hurt the customer. It is not a "no harm no foul" situation. If they file a claim on this, they'll get the denial, but they also may get dropped from their insurance if underwriting notices that they have a defective roof. Most underwriters don't know anything about roofing and get spooked when they see a denied claim for a defective single.
I'm a roofer and my thoughts are that's just manufacturing issue and insurance can't and wouldn't cover it also insurance doesn't cover many things there always trying to deny any claim I just had a roof inspection and estimate the insurance agent adjuster what ever denied the claim just because he said there wasn't any hail splatter the dumb part the roof had several multiple hits as well as the homeowners vehicle and a shed that's all with aluminum siding the adjuster denied because of no visual splatter and even dumber thing insurance doesn't cover jail splatter either splatter is just a indication of hail but splatter can and will be washed away by rain cleaning power washing etc many insurances are fraudulent homeowner do some research that's my advice
Cat adjuster. I'm currently in your area Kokomo is part of my territory. We appreciate roofers/contractors like you, we've been dealing with so much in this area. The only roofs we've seen damaged in the area (besides cat 1) have been 300 years old, and damaged for the last century. Had a contractor tell mee that a bad valley leaking inside was caused by hail while I was able to pull rusty nails out of the keyways with my bare hand.
With hail we expect it to be a big claim if it's legitimate damaging hail. I'll go document your neighbors pristine non dented mailbox. It it's not damaged neither is your roof, once you're on the roof, a lot can start looking like hail. There's a whole lot of things on the ground that are a lot more susceptible than those shingles.
I have to document the whole story, if the story don't line up with the roof, I'm not paying for it.
Contractors want us to jump the roof right off with a magnifying glass and circle every mark.
We aren't even entertaining a roof until we see it somewhere else too. It all matters, mother nature didn't produce a damaging hail storm that magically only destroyed the roof.
I stand by my sentiment if it's an actual hail damaged roof, you didn't need a roofer to get onto your roof to tell you that you had hail damage because everything else is damaged too.
I have never run across aninsured with legitimate damaging hail that didn't know they had a legitimate claim immediately, and it's not usually their roof they're thinking about.
Definitely looks like a defective shingle. I've got defective shingles on my house, it's a blast.
This is something I actually like in Australia. Our insurance companies don't cover roofing, unless your roof blows clean off and then often it's either maintenance issues so you get denied.
Because we use concrete tiles or steel, the insurance companies simply tell the company "you pay to fix the leak, we pay for everything else."
Not a bad deal when often it's a silicone seal on a vent that can be fixed for $120, but it's caused $3000 worth of water damage inside.
Good calls. Manufacturer defects for sure and old animal damage more than likely. Definitely no hail or spatter present to stains/streaking. Was only able to see a small portion of the plastic gutter guards which didn’t look like any holes from hail was present and those are usually pretty susceptible to hail.
Cyclic thermal expansion and contraction or often referred to as “zippering.”
Dude showed a lot of things that are NOT a claim. Very honest and very pro-insurance corporation
I know nothing about roofing, but I'd have to agree with you Brian. Definitely manufacturer defect.
I recently had a client that had taken video of a hail storm. mind you, ive rebuilt 8 homes on this street. 50 to 60 square roofs. I shared the video with the desk adjuster as well as photos I had taken. the fail was nickel to quarter size. the insurance company offered to replace 25 shingles which the deductible exceeded the amount offered by the insurance company. the is signs of aging 17 years of aging. so if I understand you correctly maintenance supersedes the actual damage done by storm. indemnification states pre-storm conditions not pre-storm conditions unless you have an aging roof... I've also seen a payout schedule on a 9% drop per year in payout amount. roofers that act like scum in most cases are warranted because of who they are dealing with; scum. If the shingle is brittle there really is no way to tie into a roof without causing more damage Filing for an Appraisement is the norm these days. The shit I have seen insurance carriers pull is out right criminal... btw i live and work in the Houston market.
I'm going to go with too thin of asphalt melted onto the felt so granules didn't shake and bake well
Im on a 1930s log home now that was suppose to have been inspected.. I know for a fact the damage from rot and a bad metal roof install has ruined a whole corner
storm damage is not visible from the ground. Most storm damage people think needs missing shingles.nope. wind damage sucks, easy for insurance to repair. hail loss damage is easy to get full replacement.
Correct no storm damage whatsoever
I agree. I'd photo the damage and go over it with the homeowner. I'd only suggest a claim as a hail Mary but I'd let them know it's not something we can argue. We will either get lucky or we won't. I would give them a estimate before filing anything and let them know this is most likely what you will pay in the end. After that the choice is theirs.
Going with an insurance claim with no storm damage um what 😂
Wow, that is a ton of thermal cracking!!
I know little about roofing material costs. Is a metal roof cheaper, more expensive, or comparable to an asphalt shingle roof? Seems like a metal roof is the way to go for durability and minimal maintenance.
Not a contractor, insurance adjuster, or home inspector. Just a homeowner. Once you pointed it out, especially with the layment pattern, seemed obvious to me that it may need further evaluation as a mfg defect! Wow. As you were walking the roof, I noted the nailings on the pipe boots weren't done to your liking! I noted the gutter guards similar to mine (mine have a screen as oooooodles of pine trees from my neighbors get stuck into them without the screen). Ha, I obviously follow your channel. Question: If this was a roof that still was under warranty, how much would you charge the homeowner/would you work with homeowner to turn into the manufacturer for a claim on the product? I believe there is a place for y'all to send such in for a claim for bad product? (Assume from your video that it is not still in warranty period for doing such on this one). Also, do homeowners appreciate and love seeing your evaluations online of their properties? I wish we could clone you all over the US as you are so honest and educational!
Man I feel so bad for that homeowner. Not hail of course, but the best thing that could happen for them would be a true hail event in the next few years. I need more guys like you in my territory. You really should connect with your local adjusters. Offer a ladder assist every now and again and before you know it, you'll be getting more adjuster roof referrals than you could have imagined. If your pricing is in line with the market you're golden.
Couldn’t agree more with this. An honest roofer like him is worth their weight in gold. And when they point out that a roof does have actual storm damage, you hear them out!
we going live tomorrow bossman? let me know
Going to try and do my best
thats not hail damage. That shingle looks like a defective shingle. imo
I feel like it's just a lack of training and available information, if u want to learn stuff as a newer person u either case TH-cam or pay to be trained
That's an old roof.
If anyone thinks that's hail they need to find another industry
Don't call this guy if you want Insurance to pay for your roof. He will talk the adjuster out of paying for your roof
Lmfaoooo insurance would never pay for a roof like that regardless why would any Adjuster ever think about paying for a roof with no storm damage 😂😂😂
@@Leotheconstructionguy We get them paid for every day
@@baheegdeek3138 you get roof with no storm damage paid by insurance yeah ok 😂😂😂
Good video! Your a caveman 💪💪and hey don't blame me for the socialism I voted Trump
We blame you for the fascism