Allstate Is Trying To SCAM This Homeowner
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- เผยแพร่เมื่อ 13 ต.ค. 2024
- Hey guys! In this video, we are attempting to help this homeowner fight Allstate and get them to do the right thing. Leave us a comment and let us know what you think should happen.
If you guys like this video and want to see part 2, leave us a like and SUBSCRIBE!
Could you answer a question for me? Why do all want to be TH-cam content creators, like yourself, feel the need to play music over themselves talking? Legitimate question. Do you think it adds to the entertainment value? Do you think we're dancing along while watching your video trying to hear you talk?
Scamming is the American way…
@ThisManTriggeredMe that's your question? Obviously you work in the insurance industry. Perhaps for Allstate.
All Snake. These insurance companies don’t end up with domes and bowl games named after them by paying claims. They make it by homeowners paying in for years and then them not replacing the roof when it’s damaged. Customers think insurance companies will just always take care of their roof and that’s definitely not the case. I’ve been in the roofing biz for over 15 years and I am at the point that I don’t even do storm work anymore. Unless it’s for someone I know. Too much headache and juice isn’t worth the squeeze for me. Glad you guys are trying to keep ‘em honest! Best of luck with your business this year!
No one ever wrecks a 20 year old car and expects to get the insurance to pay for a brand new car.
Nonsense! I wrecked my 69 Camaro and ended up with enough money to buy two new trucks. 😂
It’s called a Replacement Cost Policy. Pretty common. So , yes it will replace an older roof especially if the roof cannot be repaired.
@@txgene079 They will take into account the age of the roof and the deductible. So the homeowner won't get much.
You’re comparing cars to homes. 😂😂😂
Very few cars ever appreciate.
@@LuvErs1 Is this Joe Biden?
I’m an adjuster and I can tell you I try to buy as many roofs as I can because it’s less stress and arguing back n forth with customers and contractors. The fact that ppl think we just like to deny claims u justly is crazy. The more I deny, the more headaches I gotta deal with so….
The contractor here kept mentioning an insurer known for "aggressive cost control." Guess how that happens?
1) They sell direct, or through agents (sales reps). Not brokers.
2) They may look for any excuse to deny claims.
3) They often employ their own adjusters (where legal). If the "adjuster" works for the insurer, guess what they're incented to do?
Adjusters are supposed to be independent, but often are not. Depends on what's legal in your market: in some insurance products & jurisdictions, insurers can hire them directly. Even if independent, the adjuster may NOT have the insured's interests at heart. I know, imagine that! Next I'll be suggesting that your local politician is maybe less independent than you thought, or that he may work to get elected, then work FOR developers, or other large businesses - not the public. Thank goodness THAT never happens, huh?
Aggressive claims management is an atrocious tactic but a very profitable one. And it's productive: the insured just suffered a serious or catastrophic incident, is in crisis. Think they have time & money & attention to devote to fighting back? And who has more legal resources, the insured, or the billion-dollar insurance company?
As a tired and worn out adjuster, I totally agree with you Brian. LOL
My neighbor had hail damage on a roof that was under a year old. Insurance co didn’t want to replace the roof, so they sent their guy out to patch it. According to her, their guy used the wrong kind of nails ( I suspect he nailed them in wrong ). After nearly two years of the repair leaking in the center of the house, her insurance ended up paying for not only a new roof, but new walls & new tile that had to be replaced.
Insurance companies don't send out "guys" to repair a roof.
They will absolutely send a "preferred contractor" to do any repairs replacements. Some policies here in Florida lock the homeowner into only using a "preferred contractor" for all of their insurance claims. People's Trust is the big one I run into down here. If I run into someone with that insurance company I have to tell them I can't help them. @@rack9458
It’s hard to get a full roof replacement due to wind damage shingles unless it’s a hurricane. Copious amounts of damage would need to be observed to warrant full roof replacement. Hail on the other hand basically 8 to 10 hits in a 10 x 10 test sq on multiple slopes, ridges valleys, etc. with collateral damage observed to the soft metals such as turtle vents, rain caps and gutters nine out of 10 will get the roof fully replaced. There is a lot of granular loss on the roof, which is wear and tear and not covered under the policy provisions. The wind damage shingles has to meet the deductible. Once the deductible is met to perform a repair they will probably advise the contractor to attempt a repair if they’re asking for full roof replacement.The contractor can then submit a video showing the brittleness of the shingle tearing, and then the adjuster can write a narrative using the video documentation, provided basically stating due to the age and condition of the shingle it makes more economic sense to allow for full roof replacement. You can make that argument very easily with the condition of that roof, if the damages of the initial inspection or reinspection warranted a slope replacement.
What a fantastic answer!!!!! Thank you!!! This is what I was thinking and just didn’t want to type it lol
That's nothing, I know a neighbor with Citizen's and they denied her claim to replace her roof when on one slope she says her roofer counted 48 missing shingles and the insurer's adjuster counted 56 missing shingles. Insurance Industry should changeit's name to the LEGAL SCAMMING Industry.
Well she needed to buy a new roof in a few years, and 25 yrs isn't a guarantee anyway, it seems that the roof failed due to age, so why should she get a brand new roof? At least it should be pro-rated.
It depends on what her policy says. If she is paying for price for full repair/replacement then she deserves roof. If she is paying less to cover only a pro-rated plan, then yes she should be paid the pro-rated amount.
Hope your roof fails soon and get a denied for replacement since you seem to not deserve a new one based on your attitude.
That’s not how it works. When you buy life insurance do they Prorate the value of your life when you die? That’s just dumb
Because the insurance company has been charging high premiums for it
It's not about the age, it's about the legal agreement between the insurance company and the homeowner. If the policy includes the roof, then regardless the company must extend coverage to the homeowner for weather perils. Now that being said, if the insurance company writes exclusions into the policy for age like kind and quality etc then yes they can prorate it, but that would ve stated in the declarations page of the policy stating that it's an ACV policy. There's a lot more that goes into it then meets the eye
Allstate denied part of my claim a tree hit my roof. Because of the rain damage and it put a big hole in my ceiling. Allstate didn’t send anyone out until a week later to tarp my roof. mean while it was constantly raining heavy. Georgia even closed schools because the weather was bad. They sent adjuster after adjuster to come out and take the same pictures. They sent one guy out after my tarp was placed up. He took pictures and told me Allstate will send someone out to put the tarp back up but that never happen. My house is still getting rained in. And all state just called me yesterday Jan 30th and told me they will pay for my ceiling but not the roof itself. Nor would they pay for any of my belongings that was affected. They said my hole in my roof came from wear and tear. I just bought my home five years ago. And there calling my roof old. Allstate need to be held accountable for this. As a homeowner you pay your insurance and this is what I’m left with. Damage in my own that I somehow have to pay out of pocket myself. This just isn’t right.
Allstate: We care! (About our bottom line, not you.)
They're busy paying their spokesman $3-4 million a year to do tv commercials.
So, the roof is so old, you can't repair it. That tells me the roof is so old, it's pretty much ready for re-roofing, anyway. If I heard correctly, the roof has been on 20 years, and the shingles are rated for 25 years. So, four/fifths of its life expectancy has already expired, right? And now the homeowner expects no depreciation in value for their roof? I hate to say it, but I'm siding with the insurance company on this one.
Agree with this. Probably saw the neighbor and figured they'd try to get a roof for free too.
The difference is that the homeowner is PAYING PREMIUMS for this coverage
@@ryancastner1407 thank you
@@ryancastner1407 when there that old they are prorated.
When my 99 power stroke ford is damaged by hell they will not buy me a new truck but I still pay my premiums
When someone says you're in good hands, check them.
is that roof insured for "age" damage or storm damage ?
is the policy covering the roof or not?
quick question, if you get 20 years out of your 20 year shingle, why should insurance cover it?
What if you got 6 or 12 years out of your 20 yr shingles? Why should the insurance cover it ?
@@sunshine3914 thats not the case though?
Correct...no one mentions depreciation here. Roof was at it's life's end. No insurance company will pay for the replacement. Well, they would but first they will take into account the age of the roof. My 25 year old car has book value of $ 300. It cost $ 35,000 new. If I total it should I expect my insurance company to give me $ 35,000 ? Of course not...
quick answer.....why should we pay the same rates as a 2 year old roof then as a 20 year roof ?
@@Fairlane-pf2ur In other words those with old homes should pay less for insurance...yet, if there is a damage they want full coverage?
Siding with the insurance company. This should be replaced because of age. This is another example of a homeowner who expects insurance to replace something that’s worn out. As you said, it’s so old. Homeowner replace it, please. People like this cause skyrocketing insurance costs.
States like Iowa and Minnesota require the siding to match, it Hass to be like kind and quality in appearance , it’s the Appearance wording That a Home owner could argue in Court and will win 100%. You show pictures of a house that is two toned and mismatched shingles. No judge on the planet earth is going to say that’s OK. That’s why certain states are known to be consumer states these are things you need to talk with your local insurance commissioner about.
@@2stepper2000 Common misconception... Minnesota is a REASONABLE APPEARANCE state not a matching state. It's also not a judge who decides it's an arbitrator. I for one would say that if you bought a house with "two toned" siding or roofing, then it is on YOU. It's real easy to say that the government should dictate what you are asking but that is exactly why policy rates increase in these areas. The money has to come from somewhere and I'd rather it not be from my taxes. F that.
so wrong its funny
You answered your question. The roof is so old it needs a new roof. Its not the insurances responsibility to give you a completly new roof just because it lasted its lifetime +/-10%. Roofers are like leaches. Wait till a storm hits and they flood your streets like cockroaches only looking to make a quick buck. Worst part is alot of states dont license them and joe blow off the street can come look at your roof and dick you around
I love Watching you guys take the insurance company's to task.... Keep up the good work.
Says the "Tool" contractor wearing his hat backwards 😂😂😂
I had Allstate but swapped to travelers. BEST decision I've made.
Good choice
Yes. Allstate has always sucked. All$hit wanted to patch my friend’s roof and make it look like a checkerboard after 80 mph winds tore shingles off. But insurance covered all of the other houses on both sides of his street with a complete new roof. I wouldn’t use All-crap to insure a dog house.
ALLSTATE can go Screw themselves.. you might say, we've had a few words go south bound.
Good video man help the customer fight Allstate they are notoriously denying legit claims
This is maintenance neglect. I have a 30 year old roof on a 20 year shingle. I need help. Am I supposed to call my insurance company and say replace it just because?
We had a hail storm in north Austin, Texas in the summer of 2023. Both neighbors on either side of me received 100% coverage to replace their roofs, Travelers and State Farm. Allstate denied my claim, I appealed through a Public Adjuster and my appeal was denied. Next step would be to take it to a lawyer but my wife won't let me. I was diagnosed with prostate cancer this week and I think that dealing with Allstate and my upcoming medical issues is more than she can deal with.
I asked but received no help from the agent. Both neighbors had claims adjusters from their respective insurance companies and I was present for one of their inspections. The claims adjuster answered all questions and told them on the spot that their claims were approved.
The man who inspected my roof did not work for Allstate, he was contracted to do the inspection for Allstate and would not answer any questions. I was notified of the denial of my claim buy an Allstate adjuster over the phone.
Tell me how a hail storm can hit one house, miss the adjacent house but 30 feet away, and then hit the next house? The reason for their denial? They claimed there was no damage to gutters, whereas the inspector for the Public Adjuster showed me the evidence not only of damage to gutters but to the roof as well.
I have talked to roofers and many people since and not one of them had a good thing to say about Allstate, the most common response was... Allstate? They are the worst about paying for claims.
I am adjuster you should request an expert opinion and they need to send an engineer to confirm the damage after you should request the engineer report, that may help to get your roof covered.
I worked that storm. Guessing you are in North Austin? Find someone that can help you submit an arbitration request.
I have to side with the insurance company based on the limited info from the video. If there saying they will pay to replace the damaged shingles then I’d argue the fact that they’ve admitted and covered damage to part of the roof due to wind damage and the only way to make a proper quality repair would be to replace any or all slopes with wind damage. Or depending on the policy possible color match issues could warrant a new roof
However insurance companies aren’t maintenance companies.
Homeowners need to maintain their home. More then likely the shingles are loosing their seal due to age and by the looks of the roof them shingles have exhausted their life. Probably should have been replaced before the storm hit that house.
If I owned an insurance company I’d do 5 year inspections on the exterior of the homes I insure. If the roof/siding/etc is looking in poor condition I’d tell the insured you either need to make the necessary repairs or we’re not covering that part of your exterior if it sustains any type of storm damage. It wouldn’t surprise me if Allstate gives this homeowner a letter saying they need to replace the roof (out of pocket) within a year or they’ll get canceled. If the average homeowners pay 2k a year in premiums it’s going to take many years for Insurance companies to recoup a 25-30k full roof replacement on a roof that only sustained damage due to the fact more then likely the shingles were so old.
Not sure how windy it got but most shingles in good condition and installed properly can handle 90+ mph wind.
I’m really bored at the moment so that explains my long comment. Lol
Good videos! I’ve seen a few now
Contractors out door knocking homes with 20+ year old roofs and suing to get full replacement cost is why the Florida insurance market is in dire straights right now. Another day, another carrier goes belly up! 🙄
@@tommatthews9341 exactly.
My son works as adjuster. Most of his calls are from people that did not maintain their homes...and want insurance company to pay for the damage.
In many case for extirior damage like paint. But an ashpalt shingle roof either has damage for wind and hail or it doesn't
@@tomstevens7452 I agree. But, sometime even if the damage is not visible one can argue that the life span of the roof has been shortened after the hail storm, and that the real damage will soon be apparent. Things are not always cut and dry.
List the procedure for 'maintaining your roof.'
@@Shasta69 Do your own homework. Talk to the roofer to start. Keep gutters clean, keep roof fungus free, don't let trees and weeds grow on your roof, etc, etc...
@@samkitty5894 yeah, I see lots of trees growing on people's roofs.
All the insurance carriers need to be charged for racketeering
People who know little to nothing about claims talking about claims without knowing the context is a big problem. There could be any number of reasons this customer isn't getting paid on this claim.
1) A claim below deductible isn't "denied" it's just not big enough to be paid.
2) Maybe this roof was already bought by insurance earlier and the homeowner (or a prior homeowner) pocketed the money without completing repairs. Then there was a second claim and the new damage is minimal and not over deductible. Claims are evaluated on a per-occurence basis. We see customers file multiple claims for the same roof all the time.
3) Maybe the bulk of the damage happened before the Allstate policy. That wouldn't be covered then. We see that all the time too. Some adjusters simply need to check Google Earth to see when the damage actually happened.
4) As a roofer there's a lot you might not know. Stay in your lane. The customer can hire a PA if they have a problem with the claim. It's not a contractor's job to fight for a customer against the carrier. In fact in many states that's literally illegal.
5) Homeowner should have replaced that roof years ago. Letting it get that old is straight up asking for wind damage. Any roofer should understand that. No wonder the carrier wants to fight it. It's unfair to all the other insurance customers who do take care in their property with timely maintenance.
6) This roofer is an animal! Climbed that roof like a 4/12. What a beast.
Well, we have a PA on staff so he’s taking over the claim to get it approved. Homeowner is a 88 year old widow who built the house new. They have had Allstate since purchase of home and never had a claim. Allstate denied it trying to repair it but roof is obviously totaled on 3 out of 4 slopes. We should have an approval in the next 2 weeks. We will post a part 2.
@@stormguys5968 that's not a denial then is it? Hardly sounds like a SCAM either. More a difference of opinion. Also, apparently being a widow excuses you from the responsibility of maintaining your property? That roof was way more prone to wind damage because it wasn't replaced when it should have been. That's covered at RCV?
That damage happened all at once? Highly unlikely based on the age of the roof. Insurance would only cover damage on a per storm basis. If they had shingles damaged by several storms over the course of say months or years, then this claim would only cover one of the storms.
Interesting there's no wind damage at all on any of the neighboring roofs eh?
The truth is, it's very common for roofers to tear or crease tabs manually to support a claim. Happens a ton.
I will say it does happen a lot! We actually caught a guy on another house a few days ago creasing shingles and got it in camera.
If you watch the whole video, I show the house across the street, who also had Allstate, got their roof approved off hail damage and new gutters. We didn’t have to do a readjust or fight it. Another contractor started the claim on this particular property and it was denied full roof replacement and wrote up as a repair. We contacted Allstate multiple times and they ignored us until we finally spoke to management and they asked us to go out, take more photos and send them back in for review.
@@stormguys5968 so you already replaced that roof across the street that you pointed out in the video? You only said it was bought. Also, that was for hail. Totally different peril. Bet there wasn't a whole lot of wind. Didn't see wind on the other neighbor's roofs either. This homeowner is treating their policy like a maintenance plan and gets a new roof on a technicality. Bottom line is junk roofs like this cost all insurance customers in the end, even the ones who do take care of their homes timely.
Most adjusters still getting that bonus anyways so who cares if the roof is bought or not on a personal level.
Curious how many non-insurance roofs you go chasing. Complain about insurance all day long, but you contractors sure do love that insurance game don't you. Gotta make sure you can make those truck payments. PA gunna help the homeowner out of the goodness of his heart, or extract 25% of the totally claim pay out?
PA is on a salary position with the company. He mainly addresses the larger claims (slate, cedar, tiles, etc..) but when we need him for the smaller ones, he steps in.
As far as % of insurance vs non insurance, we’re about 50/50. I personally would rather take the cash route and get paid a lot faster but at the end of the day, if the roof truly has damage to it from a recent storm, we let the homeowner know how we can help.
And the roof across the street was replaced a week prior to this inspection and both claims had same date of loss. But you have to remember, we just stepped into the claim. Previous contractor ignored the homeowner after Allstate said they are not paying to replace it. Worst case scenario, Allstate stick to their decision and refuses to pay, we will give her a price to replace it. I just want to make sure I do what I can to help the customer out.
I roofed for 30 years. Retired now. 1st thing I don't like is 3 tab shingles. They don't seal properly and are notorious for wind damage. 2nd thing I noticed is the nail pattern. There isn't any. The nail should be above the key way and in a wind prone area all shingles should be 6nailed. 3rd (and I'll stop after this) this roof has already been patched, repaired and more than likely masticed back together in places. Give a high repair bid and credit the deductible back to the homeowner if they agree to tear-off and install a new dimensional shingle.
I agree with all except giving a high repair bid and credit deductible. Doing that is insurance fraud and I can get in a lot of trouble.
You were a roofer that fuck up many roof because one done like 3 tabs because there sloppy install demechal.
What? Whatever you tried to say makes zero sense.
@@stormguys5968I agree .. Don't try to lay no boogie-boogies on anyone !
Well there you go. Insurance companies are not dumb. Clearly a homeowner making a claim because they need a new roof from OLD age. I seen this time and time again. Good for you Allstate. Its people like this that make our homeowner rates go through the roof from fraud.
Exactly. neglect from the home owner. they said the roof was 20 years old and a 25 year shingle but maybe a 20 year shingle.
Exactly and clown contractor/PAs
Nice try, but you're forgetting a few things. Number 1, an engineer report, would be the most accurate when considering damage. 2nd MOST insurance companies approved based on functional and cosmetic damages, shingles creased at the top are from wind, and creased in middle means wear and tear( clearly creased on top). 3rd, it would fail repair test, it would cause more damage to shingles surrounding the repair. 4th MOST insurance companies probably replaced neighborhood homes(adjusters know each other) 5th but not least...what insurance has allegations of denials because of money? Allstate. Basically, you get what you spent. Cheap insurance, cheap adjuster means repair or nothing. It's a business
@@Ragingradiator nice try? No insurance company is replacing an old roof near the end of its life.
The guy walked on the roof like he was Spiderman
All I’m saying is you’ve never seen me and spider man on the same roof together.
Is State Farm or Hartford the one you were talking about being the worst?
I have allstate to and I am so afraid to even ask about roofing repair or replacement. I don't think they would even pay for most of it for me. I just got the deed to this house the other week. My stepdad signed it over to me. I am now a first time home owner. Of course I didn't really pay that much for this house. This house was built in 1870 and there is a lot of work that needs to be done on it. The roof needs to be worked on first and we will have to either save up for it or get a loan which I don't think I can afford. I don't work but my wife does and I get ssi. There is no way I can afford to pay for a roofing job. Also this house on the bedrooms side has no electricity anymore. We have to use extension cords and that is pretty dangerous. I really hope that one of these days months or years a door will be open for us to fix these problems for this house.
Insurance doesn’t cover wear and tear. You better get another side job.
they sure charge you full price though every year huh bud.
@@Fairlane-pf2ur yep, but wear and tear isn't covered. You ever call your insurance company to replace your tires after you've driven them bald, lol
3tab is a tell on age of roof. Yes...some people still install 3 tabs...makes no sense...to easy for wind to lift
The best insurance for me is Farm Bureau Insurance is little more expensive, you get what your pay
I've roofed for decades. It depends on were you live in the country, meaning the type of year round weather your home encounters, the average "25 year" roof will last around 20 years...that wind damage acured because that roof is old and brittle and that's on the homeowner...
Haha dang man. Other contractors out here harassing Adjusters and giving no context.
You come in with an amazing video with context.
Definitely a subscribe and like. I appreciate your attitude and I'm sure all your customers do too!
Appreciate it! We don’t argue on the roof. I get it, sometimes adjusters want to say this and that isn’t damaged but we keep our mouth shut and let them make there determination. we do point out damage and let them photograph it. If it gets denied then we start taking action within the office.
@@stormguys5968 A true professional. Its wonderful to see.
any reason you guys don't use good old fashioned roof tiles over there?
is state farm the worst ?
when the shingle is folded back we call it 'wind lift' The shingle will never reseal itself,,once the seal is broken that voids shingle warranty.. that homeowner did good for a 20 .25 year 3 tab roof to last that long... I'm on Texas Gulf Coast and we hardly ever see 3 tab roofs last that long ..and your right about allstate ,,biggest rip off scammers ,, i been in roofing for 40 years and insurance will screw you if you GIVE THEM ALITTLE LEADWAY..
we are dealing with exact same issue with an Allstate customer, his roof is 30years old, has code coverage and depreciation amendatory endorsement, they are denying him.
SHAAAAAAAAAMEFUUUUUUUUUUUUL!!!!!!!!! I would get estimates and throw the estimates in Allstates face.
Depreciated value for having a roof over 15 yrs old. Rcv minus depreciation.
If insurance company insured a old roof. That's on the. To replace it. That's a fact .. measure the shingle it's 3 tab. And sizes of shingles has changed making them unrepairable...
Had same issue with Allstate. Had three different adjuster and all said different things. I even wrote the insurance Commisoner with no luck.
Because you don’t have storm damage guy. Wear and tear isn’t covered
the real problem is no insurance company should warrant a roof after 15 yrs, if they required you to replace your roof at 15 yrs your insurance cost would go down. in the southern states the insurance company is being cleaned out by lawsuits on 20 yr old and older roofs .
Not only does that roof absolutely need to be replaced, but depending where you are, three tab shingles can be hard to come by.
Nice steep cricket on the chimney. Looks like the original job was done pretty well..
Three tabs are the best! I hate those so-called "architectural" shingles....
I’ve gotten 3 all state claims approved with no issues. I’ve seen as long as you meet their requirements to replace a roof then they’ll pay out
So who is the worst insurance company to deal with for this type stuff?
I am by no means siding with the Ins company , but if the roof is a 20 year shingle and its 20 years old or older than would that not be considered normal wear and tear ?
The amount of "experts" in the comments saying because its old the insurance shouldnt have to pay out. They still pay the same amount monthly for the same coverage they got when it was new. If the payment doesnt decrease, why should the coverage?
How do you fight a denied claim? MY roof is old and i noticed that water has been seeping through the nail holes into my attic and the wood is all moist but not actually leaking. They have not approved or denied my claim yet si im just asking
Need you on my side with farmer's insurance. They're giving me the same run around
I can say the this is a great example of HO-3 vs HO-5 homeowners policy. HO-3 (actual cash value) and HO-5 (replacement cost) are 2 totally different policies (HO-5) being much better for coverage. State Farm and Country Companies offer HO-5 as there basic policies and would replace a roof regardless of age, whereas HO-3 police’s depreciate based on age. It is very likely that companies like Geico, Allstate, Progressive, and Farmers who typically write HO-3 policies as their standard Homeowners policy, would not cover based on the fact that the age of the roof being almost its shelf life, isn’t going to pay out much. This would be a great conversation with your agent/company to go over your coverages. There are many other differences between the 2 types of policies, such as endorsements and named vs open perils, but that is for a different day. I am a licensed insurance account manager for the state of Illinois
I have American Family they handled my wind damage/roof replacement last summer like a champ.
Is there roof Maintenance is that a thing? Cause I would maintain it fr
Insurance is designed to take you’re money and not pay out
Exactly! I try my best to get as much money for the homeowner to go towards repairs on their home.
I have a funny feeling you wouldn't say that, if god forbid your house burned down, got taken out by a tornado or had actual damaging hail that hit so hard it fractured your sheathing.
Insurance isn't a maintenance program, and doesn't owe you shit until something bad actually happens.
If your roof can't be repaired you should of had that discussion with a roofer years ago.
There is a very specific "Losses not insured" clause in every insurance policy. Number 1. Wear, tear and deterioration. 2. Slow leaks, drips or anything occuring over time.
Maybe stop depending on insurance companies to replace minimal damaged roof that is already at its age life
Had a tornado do a lot of damage in our area recently and we had some damage but Allstate adjusters seem to know more than me about what was damaged in the storm vs not. Long story short what they offered to fix was way undervalued and they stayed underneath our deductible. Adjuster basically called me a liar when I showed damage to our shed from wind. She said, "that must have been some soft metal if wind did that." It's like they either purposely or ignorantly ignore that during tornados things blow around that can cause a lot of damage. Blown sheets of plywood off homes can dent metal which is what happened to our shed. Completely disgusted by Allstate and we switched to Travelers.
There is a reason why all these insurance companies are pulling out of these markets. People let their rooves go for 15 or 20 years and then want their insurance companies to pay to replace them.
"rooves" is not a word in my English language. Maybe yours....
I love working with All State, especially when they send me out to inspect the roof and send them a estimate and photos with a wind loss worksheet. I would have bought that roof all day long.
Allstate can be nice sometimes.
3 tab is disco. At least in my market. And even you if you can find 3-tab its metric, which won’t work with a stand sized shingle. Easy lay up
I love contractors, who have never worked on the insurance side, and then try to say the insurance company is in the wrong. Insurance isn't designed to just cover whatever damage is found on a roof. Your paid premium isn't a savings account that you dip into at some later time. The policy is a sudden and accidental, perils-based policy. Those missing shingles are not hail-damaged. The insurance company is covering reported hail damage. They are going to inspect and determine the validity of that reported claim. The policy does not cover wear and tear and normal aging out of a roof. You "storm chasers" do nothing but drive down neighborhoods looking for any signs of roof damages. You then cold knock on the owners house and convince them that they have an insurance claim. Then you attack an insurance company when a claim is denied. I'm sorry you weren't able to scam the insurance company for a full roof replacement. That must be so terrible for you. Insurance companies deal with dishonest roofing contractors every single day. They catch many roofing contractors manipulating shingles and causing damages themselves in order to increase the profit potential of a job. The only scamming going on is people like you painting insurance companies is a dishonest way. Do better.
There is wind damaged shingles which would be covered even if the claim was just for hail because it entails a full roof inspection. However, the fact that they weren’t repairable is subjective. They probably are repairable. Allstate and pretty much every other company only replace full slopes due to wind if 75% of the slope is damaged. They showed no examples of hail damage or close-ups of the shingles so there’s no way to know how much granule loss, blistering, or actual hail damage there was. You’re 100% right about storm-chasing contractors selling people that they’ll get a new roof, with no deductible charged I’m sure, which is illegal, but beside the point, and then, when the company says no, the insured is pissed because the contractor blew a bunch of smoke up their ass.
3 tab wind warranties are good for only the first 5 years. Relying on insurance companies to pay for most roofs is a dangerous thing for all. Leads to acv and % of value deductibles. Imagine hail storm damage and the deductible is 10k on a 30 sq roof. Insurance companies are and will continue to adjust. They will not lose money long term and buying a 20 yr old 3 tab roof is a bad business decision.
It's common knowledge in the insurance industry, that if the policy covers it, and the roof is not repairable, then the insurance company owes for a new roof minus deductible, and depreciation, but deprecation is recoverable when the roof is repaired, obviously unless the policy cites that it doesn't owe for the depreciated amount.
Depreciation is not always recoverable buddy!
@@joeschmo8115 , Yea, that would be called actual cash value on some items, or based off the type of policy you have.
Can you help me I have elderly clients that's keep getting denied please
Twenty years on a twenty year shangle is considered worn out not storm damage.
Obviously you’re not familiar with how insurance works, buddy. If a roof is 20 years old, has no damage, and a storm comes and blows off 30-40 shingles, that is considered storm damage and insurance will take care of the damage. 🤦🏼♂️
I’m an adjuster and it’s hilarious when a roofer meets me for an inspection and pulls up in a $80k+ truck with a lift and tires and then complains about how the insurance company has all this money and won’t pay for anything. There are terrible players on both sides of the fence TBH
Thats crazy, every company I have worked for will have me estimate an entire slope for damage.
Farmers is terrible to deal with!!
I have no love for Allstate myself. Scam? I see no scam here. I have replaced shingles myself and it DOES mean removing 8 nails on one shingle and also tampering with the old shingles around it---if you want to do a repair job "By the book." It's not pretty on an old roof like this but I expect an experienced roofer to have a keen sense (AKA Cheat Sheet) on how to repair a single "Shingle" without fuss. No one follows the "Book." What I see as fair would be to offer one slope to this owner and tell them they are free to put that toward a new roof. ONE occurrence of wind damage most of the time only affects one slope during ONE storm. Anything more is just a handout. Most deductibles are now $1,000 and up. Without knowing this info, hard to say what an adjuster was thinking. Maybe there are 3-4 claims here as well and locals would know this. PS--"One Slope" has long passed $1,000---depending upon what the size is, of course.
It is possible the insured has an ACV policy. If so, then the insured won’t get a Nickel anyways. The property owner has an obligation to maintain the building including the roof. The real reason the roof has shingles missing is due to age. It’s Allstate. It will never be approved, ever. On the reinspect, Allstate will come out with 2-3 people. Lol. It will be denied.
I normally would agree, however, Allstate paid for the roof across the street 5 weeks earlier.
@@stormguys5968 Bro, check it out. Make sure to never say to an adjuster " you guys paid the roof across the street." Here is why. If a house 3 doors down was denied does that mean yoir hoise claim should be denied? Based on your analogy once a house is approved, the surrounding houses should be approved. An adjuster cant put in his report " the hoise across the street was approved so I approved this one."
Allstate is the King of denying hail and wind damage. You have one solution. Im getting you this advice for free ( Lol)
If you have established a rapport with the property owner, have the owner log on to the Department of Insurance website and file a complaint for what happened. It takes 10 minutes from a laptop. Once that is done, Allstate has to respond to the DOI. You will have a better chance. Facts.... The onwer has to send the email though, not you.
Insurance isnt meant to give you new things. Its meant to make you whole before the damage. The roof was old, and now the homeowner wants a new roof. It doesnt work that way. The only scammers are the homeowners on these roof vids. Its like when you watch a judge show and the plaintiff wants the new car price on a totalled car that is 15 yrs old
That’s why they send their adjusters before giving you a policy, so they already know what they are getting themselves into.
Insurance should cover what is on the contract.
Both parties have an agreement.
So, no, this is a scam not a scan and they should cover the entire roof.
Matching clearly is not a concern. Another thing, please remember these are initial claims. Often times, send this in for a supplement and another set of eyes will likely touch it and buy the roof.
I was with Allstate for 34 years and never filed a claim. They pissed me off and I am with another now. The agent considered himself a friend, but I have always considered him a slime ball kiss ass even before he was my agent. Allstate wanted to do an inspection and I said no problem, but I must be there. They trespassed on my property while I was gone and caused damage by running their drone into my tower. I wasn't there, so I could not prove it was them.
Am I the only one that noticed that the roof was deemed "repairable" when there were a handful of shingles that needed to be replaced, probably because of issues that weren't covered by the insurance. But as soon as the insurance is on the hook for the repair, it is suddenly "unrepairable" and needs the entire roof replaced. This is the dilemma that insurance companies are up against now is that roofing companies will make small repairs here and there to prolong the life of the roof when it is the homeowner responsible for paying but as soon as the insurance company is responsible for paying, the game changes and it has to be a full replacement. The small repairs that they are making for the homeowner are just trying to buy time for that homeowner so they can get some a hail or wind storm to damage a few shingles so they can get the insurance to pay for the big cost of replacing the roof when, by their own logic, the homeowner should have already paid to replace the roof instead of doing these small repairs. Those small repairs also often make the roof more susceptible to wind damage because they are either not done correctly or should not have been done because the life of the roof had already expired (notice that the shingles immediately around those repairs in this video are the ones that failed during a windstorm). Given that a typical roof replacement is $15K+, it takes many years of insurance premiums for the insurance companies to recover the cost of replacing the roof on a given house now that they are likely to have to pay for a new roof for every single house that they insure because of this "repairable for the homeowner but unrepairable for the insurance company" game that a lot of roofers are playing now. Don't get me wrong. There are bad insurance companies and bad insurance adjusters out there, but there is another side to the issue as well that the roofers are creating.
I'm just brainstorming.
I see a woven valley. Are yall going to push to replace a slope and if that gets approved push for a full replacement due to the woven valley.
I'm looking forward to part 2 to see what happens. Hoping for the best!
Well, first thing is we have to get Allstate to acknowledge that there is damage and the shingle is non repairable. Once we cross that bridge, we start showing facts like you mentioned, woven valley, brittleness and etc and move to one slope at a time. If we can get 3 out of 4 slopes approved, the insurance will usually slide and allow a full roof replacement
@@stormguys5968 Oh ok makes sense. I'll be here waiting for your next video.
I'll pray for the best.
USAA.. the best insurance ever
They’re awesome to work with!
They told my uncle his roof was to old to be replaced for storm damage. Same company he had for 20 years
Time to go pay that company a fist to face.. that's my specialty.. who's his immediate Agent(s)??
That's a nice house/property for a suburb
Says the storm chaser😂
Why not just make it law that once a roof reaches a certain age, it cannot be choice insured and the homeowner must pay to get another one?
That roof is old AF. Why would insurance full replacement?
Because homeowner pay premiums yearly to cover damage like this. There is also a ACV (actual cash value) policy where insurance only pays what it’s worth and that premium is much cheaper than full replacement cost.
You have to take care of your home. roofs do not last forever and they need to be replaced. Its not the insurance company job to maintain your home. Insurance covers sudden and accidental. Not lack of maintenance.
So in other words it's a roof that has reached the end of it's life and the homeowner wants Allstate to pay for a new one. Nice.
Why els you would pay for roofing insurance 😂
@@Smoketownedc "Sudden and accidental loss"
If you're just planning to replace the roof after 20 years, put your money in a CD.
@@SaxonSampley I didn’t know we could control the weather 😂 Nobody “plans” on buying new roofs unless needed from damages or simply wanna upgrade. It’s there for a reason, use it… & no it won’t raise your insurance if used…
@@Smoketownedc the point is that age is not "sudden and accidental" which is a theoretic and actual requirement for most insurances. All homeowners insurance I'm aware of specifically excludes wear and tear, marring, scratching, age, deterioration, latent defect, etc.
@@SaxonSampley the point is I’m actually in the field doing this work and your not… I think I know what I’m talking about and how insurance game works when dealing with roofs. No need to argue with you 😀
Allstate is the worst of all. THE WORST.
State farm is somehow worse. It’s actually impressive.
They refused my claim saying it was caused by an act of God (lightning strike).
Wind takes architecture shingles off just as easily especially if not nailed properly
Let me guess.. State Farm?
Who is the best home insurance company?
I personally have country financial for everything. They’ve always been good to me and customers.
Not saying you are, but in my experiance, roofers tend to take insurance companies for as much as possible. Roofers will charge a person 8k for a new roof, and 20k from an insurance company. Most roofers love to put blame on an insurance company, make bank off them while looking like heros to a customer. Its the same in the P&C side of things. Name of the game- Roofers and body shops overcharge insurance companies, and then consumers wonder why their primiums increase.
God there are so many people commenting on this video that have no fucking idea how insurance claims work. They admitted to the shingles being wind damaged. At that point, the adjuster needs to access the brittleness of the shingle. If it is too brittle to do repairs, they then have to replace entire slopes that have damage. Depending on the area's like match laws, view from the street, etc, they may have to pay for the entire thing. It doesn't matter how old the roof is, unless the insurance company claims it is all wear and tear and has nothing to do with wind or hail. Also, people keep comparing roof replacement to car repairs. They are not the same thing. If you are unable to do repairs on a roof because surrounding shingles will be damaged, the insurance company is on the hook for that, whether you believe that should be the case or not. That is just how it works 😂
This is a cheap roof and an old roof. As such it was easily damaged by the wind...and not repairable.
It has to be replaced. When you consider the deductible and the age of the roof (depreciation) insurance company doesn't have to pay very much...yet they refuse to.
Unbelievable. I am switching to State Farm immediately.
I will never be happy until insurance companies are held accountable. They're legally allowed to steal money. Can everyone start insurance companies if you're allowed to just take money? It seems alot easier to steal money from hard working people then it is to actually do any real work.
Easier to get a loan and replace the roof instead of dealing with insurance
Never file a claim for wind damage through Allstate. You're doing the homeowner a disservice. Now they have a claim tied to them and their house. Allstate does not pay for wind. Seriously, are you guys new to this?
Buddy um I like your a roofer but I'm guessing you did not look into the homeowners declaration page. FYI Shingles lose value on all majority Allstate policy if theres no endorsement. The customer has an option to choose full replacement cost but most don't.
Um, buddy….this homeowner has full replacement cost. Me, personally, am I licensed state of ga insurance agent as well as insurance adjuster. I went to school for that and ended up in the roofing business. I’m very aware of how insurance works.
@@stormguys5968 I’m a license agent as well and also have my adjusters license. And I know Allstate does not offer full replacement on shingles or roofs on a standard homeowners policy
I don’t know how any of this works. With that this is what makes sense to me. If the shingles are at their life expectancy (20- 25 years) why should the insurance company have to pay to replace it? At the most I could see them prorating the cost to replace. So if the roof is 20 years old and the shingles last 25 years. Insurance would pay 20% of the cost to replace.
I’ve often asked myself the same question. However, homeowners have 2 different choices of insurance (replacement cost & Actual cash value). Replacement cost is more expensive but the insurance companies pay what it cost to replace the entire roof at the time of loss. If customer has ACV policy, the roof is prorated. I’m sure it’s all beneficial to the insurance companies or else they wouldn’t offer.
@@stormguys5968 thank you for the explanation.
Uhh cause you paid the premium for 20 years? That was your money. If you saved it could just cut out the insurance entirely.
Who is the worst insurance company
Just be careful of roofers as well. I had a roofer try to sell me 30 year shingles that they would only guarantee for 17 years?
alot of these insurance companies are like that..its a scam..they take ur money but refuse to pay out all the time..should be illegal!