As a consultant that inspects for storm damage, it is so important your blinders are not on. Look around the property, does this add up or not? I looked at a very similar roof where the adjuster and contractor were convinced the roof was damaged by hail. However, when I showed them the golf ball impressions in the fascia and the fact that all of the marks were approximately the same size, they saw their mistake.
Let's take into account for a second that you were not near a golf course. In that instance, that would absolutely be hail damage! Those types of metal vents are a harder stiffer type of Steel. It takes HARD hail to put dents in them. The Softer Type Hail commonly seen in Florida would absolutely cause hail damage to an older asphalt shingle roof since the chip is not well adhered after a certain number of years and the fiberglass matting is begun to dry out and become brittle in that same time frame. So in summation, no Golf Course absolutely hail damage roof!
You are correct about the vents being too heavy gauge to dent. However, hail will still leave spatter marks where oxidation is removed from the surface. The same hail spatter would be visible on the solar panels and frame of the screen enclosure if hail had fallen at the property.
Carol Lee typically it’s just a risk you take when you own a home in a golf course. That said, from an insurance standpoint, it is damage from a falling object and would be covered under standard policies unless specifically excluded. The problem is that each impact is a separate event. That means each impact would be a separate claim with a separate deductible. If you are buying a home on a golf course and don’t play golf, my advice would be to consult a golfer on the location. If you are on the right side of the fairway around the 150yd marker, you can expect your house to be hit daily and weekend yard work might warrant the use of a hard hat
Carol Lee. The odds of getting the carrier to pay for the whole roof would be very slim. You may need to hire a lawyer for this one. As the carrier would say “no intentional but it happened over a long period of time”. Policy reads sudden and accidental”. Hail fails suddenly but it would take a year or more for this roof to get hit by this many golf balls.
First of all, it's you're; not your. To your point though, I worked as a roofing contractor for 12 years before starting my consulting business. You can call it what you like, but we just call it like it is and back it up with supporting factual data. And we do actually work for a number of contractors and plaintiff's attorneys as well as insurance carriers and defense attorneys.
Kyle Dotson Yeah, and its that contractor mentality of getting out on the cheap that results in poorly constructed homes. Pull that veneer covering back and you find a home basically slapped together with duck tape.
If I was the homeowner I would disagree. The only thing you have established is that some of the dents might be from golf balls. As for the metal vents, the only thing you have established is that the homeowner got lucky and neither golf balls or hail hit the vents.
apparently you have never experienced a hail storm. Hail does not only damage shingles and not the metals on the roof. I have been an insurance adjuster for 5 years. This is obvious golf ball damage.
@@Alan-wv6il I have experienced many Hail Storms. I even had a car totaled by hail - every metal panel had dents in it. In another Hail storm I had several dents in the metal roof of my utility trailer, a ridge cap vent and other vents that have dents in them from Hail. Yet somehow in that hail storm I could not find any damage to the shingles. Hail falls randomly - you could get hit and the neighbor across the street totally missed. Golf balls do dent metal and will sometimes leave an imprint of the golf ball in the metal. If you saw that I would agree that the damage was from golf balls. Otherwise I believe that you and the insurance companies have committed 5 years of fraud.
@@lowelllysinger i would disagree. an adjuster can make a decision based on the lack of evidence just like they can make a decision on the abundance of evidence. I can't tell you how many roofs i have been on that contractors tell the homeowner there is hail damage all over the roof, yet there is no sign of hail damage to gutters, soft metals on the roof, window wraps, cars, etc... Most likely the contractor is pointing out shingles blisters. We all the time make a decision based on the lack of hail damage evidence. Just like in this case with the golf balls. The adjuster made the decision based on the lack of evidence of hail damage to soft metals on the roof. Also keep in mind that hail will damage metal objects before damage will appear to the fiberglass shingle? Why? because shingles are manufactured to withstand a up to a certain sided hail stone or hail density.
@@lowelllysinger One of the key factors here, aside from the weather data and lack of collateral evidence of hail, is the varying ages of degradation from exposure at the impacts. Some were fresh, some were moderately degraded, and some had years of degradation. When all of the indicators point one direction and none point the other, we report the most likely cause with the evidence to support it. I have been asked in depositions if I can say with 100% certainty that hail did not cause this damage. Unless I saw the damage occur first hand, my answer would always be no. However, I cannot say with 100% certainty that Santa Clause didn't dance around in high heels on the roof to cause this damage either. I could tell you that it would be about as likely as hail having caused that damage though.
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As a consultant that inspects for storm damage, it is so important your blinders are not on. Look around the property, does this add up or not? I looked at a very similar roof where the adjuster and contractor were convinced the roof was damaged by hail. However, when I showed them the golf ball impressions in the fascia and the fact that all of the marks were approximately the same size, they saw their mistake.
Nicely explained! Thanks.
well done
Let's take into account for a second that you were not near a golf course. In that instance, that would absolutely be hail damage! Those types of metal vents are a harder stiffer type of Steel. It takes HARD hail to put dents in them. The Softer Type Hail commonly seen in Florida would absolutely cause hail damage to an older asphalt shingle roof since the chip is not well adhered after a certain number of years and the fiberglass matting is begun to dry out and become brittle in that same time frame. So in summation, no Golf Course absolutely hail damage roof!
You are correct about the vents being too heavy gauge to dent. However, hail will still leave spatter marks where oxidation is removed from the surface. The same hail spatter would be visible on the solar panels and frame of the screen enclosure if hail had fallen at the property.
@@precisionroofconsulting1713 How long after the claimed weather event was this inspection performed?
So, who is responsible? The golf course?
Carol Lee typically it’s just a risk you take when you own a home in a golf course. That said, from an insurance standpoint, it is damage from a falling object and would be covered under standard policies unless specifically excluded. The problem is that each impact is a separate event. That means each impact would be a separate claim with a separate deductible. If you are buying a home on a golf course and don’t play golf, my advice would be to consult a golfer on the location. If you are on the right side of the fairway around the 150yd marker, you can expect your house to be hit daily and weekend yard work might warrant the use of a hard hat
Carol Lee. The odds of getting the carrier to pay for the whole roof would be very slim. You may need to hire a lawyer for this one. As the carrier would say “no intentional but it happened over a long period of time”. Policy reads sudden and accidental”. Hail fails suddenly but it would take a year or more for this roof to get hit by this many golf balls.
Assumption of risk
That is not hail looks more lichen or self made hail damage or gulf balls but definitely not hail.
Have to watch until the end. It's golf ball damage.
Did you do the previous job on this roof?
kelsey allen No. This was an inspection for an insurance claim
Lol dude just buy the fucking roof
Your what we call in the contractor industry the insurance companies best say no person
First of all, it's you're; not your. To your point though, I worked as a roofing contractor for 12 years before starting my consulting business. You can call it what you like, but we just call it like it is and back it up with supporting factual data. And we do actually work for a number of contractors and plaintiff's attorneys as well as insurance carriers and defense attorneys.
Kyle Dotson Yeah, and its that contractor mentality of getting out on the cheap that results in poorly constructed homes. Pull that veneer covering back and you find a home basically slapped together with duck tape.
If I was the homeowner I would disagree. The only thing you have established is that some of the dents might be from golf balls. As for the metal vents, the only thing you have established is that the homeowner got lucky and neither golf balls or hail hit the vents.
Lowell Lysinger maybe I should’ve added that there was no weather data or any other evidence to support hail having fallen at the property.
apparently you have never experienced a hail storm. Hail does not only damage shingles and not the metals on the roof. I have been an insurance adjuster for 5 years. This is obvious golf ball damage.
@@Alan-wv6il I have experienced many Hail Storms. I even had a car totaled by hail - every metal panel had dents in it. In another Hail storm I had several dents in the metal roof of my utility trailer, a ridge cap vent and other vents that have dents in them from Hail. Yet somehow in that hail storm I could not find any damage to the shingles. Hail falls randomly - you could get hit and the neighbor across the street totally missed. Golf balls do dent metal and will sometimes leave an imprint of the golf ball in the metal. If you saw that I would agree that the damage was from golf balls. Otherwise I believe that you and the insurance companies have committed 5 years of fraud.
@@lowelllysinger i would disagree. an adjuster can make a decision based on the lack of evidence just like they can make a decision on the abundance of evidence. I can't tell you how many roofs i have been on that contractors tell the homeowner there is hail damage all over the roof, yet there is no sign of hail damage to gutters, soft metals on the roof, window wraps, cars, etc... Most likely the contractor is pointing out shingles blisters. We all the time make a decision based on the lack of hail damage evidence. Just like in this case with the golf balls. The adjuster made the decision based on the lack of evidence of hail damage to soft metals on the roof. Also keep in mind that hail will damage metal objects before damage will appear to the fiberglass shingle? Why? because shingles are manufactured to withstand a up to a certain sided hail stone or hail density.
@@lowelllysinger One of the key factors here, aside from the weather data and lack of collateral evidence of hail, is the varying ages of degradation from exposure at the impacts. Some were fresh, some were moderately degraded, and some had years of degradation. When all of the indicators point one direction and none point the other, we report the most likely cause with the evidence to support it. I have been asked in depositions if I can say with 100% certainty that hail did not cause this damage. Unless I saw the damage occur first hand, my answer would always be no. However, I cannot say with 100% certainty that Santa Clause didn't dance around in high heels on the roof to cause this damage either. I could tell you that it would be about as likely as hail having caused that damage though.