The adjuster even gave him a black eye.

@scottmcfarland5830

2 жыл бұрын

signum of trust amongst other pedofile roofing contractors

@thatoneguy5512

2 жыл бұрын

Hey now he will get at least double in what he asked for in repairs.

@scottmcfarland5830

2 жыл бұрын

@@thatoneguy5512 😂

@frenchbully

2 жыл бұрын

You should see the adjuster

@scottmcfarland5830

2 жыл бұрын

@@frenchbully so stupid it's funny 😅

I had a field adjuster come out and deny that I had a claim. Filed an appeal and had a roofer and the adjuster show up at the same time for a re-inspection. All of a sudden, I actually have a valid claim. When the job was done, my insurance company tripled my rate. Changed to another company who was happy to insure me knowing that I just had a brand new roof installed.

My dad's Florida clay tile roof was damaged by a direct hit from a hurricane. The insurance company denied the claim. He was forced to take them to court; they sent their own engineer to inspect the roof. In court, under oath, their expert testified that the roof had clearly been damaged by high winds, consistent with that of the hurricane that passed through the area on thus and such a date, and there was no evidence of incorrect installation or maintenance that might have contributed to the damage. They HAD to know they were going to lose, but never offered to settle. 🤷‍♂️

The insurance company's requests sounded legit to me.

I typically can't sit through talk videos but you're so easy to listen to. I don't deal with insurance adjusters but should the job ever call for it, I feel more ready now.

Well after watching this there are a couple of thought i had. 1 Insurance company's do not care about people only in making money, and paying out as little as they can. 2 There are shady people that will try to over charge because of insurance is involved. 3 It has been replaced twice already and needs to be done a 3rd time? Why? 4 There is something wrong with the metal roof material because it should not need to be replaced this often. 5 You are installing it incorrectly, if those are the pictures of the roof it should not be pulling away like that from the middle of it. People go to metal roofs so they do not have to replace it anytime soon over other types of roofing, Something is just not adding up in the story.

I spent almost my entire career as a commercial insurance underwriter. If I had looked at a risk that had its roof destroyed multiple times and replaced with the same style and material I would decline to quote or write. Damage to the roof is no longer fortuitous; it will no doubt be damaged again in the near future. So did the insurer non-renew? I hope so, the insured needs to look at a better roof system.

@lizardman1303

2 жыл бұрын

Yea I agree with that

@homesteadroofing

2 жыл бұрын

We did not install the same system. Installed DaVinci instead.

@billydow1971

2 жыл бұрын

They didn't have an issue writing the original policy.

@ericbstudios9807

2 жыл бұрын

@@homesteadroofing interesting...

@bigstickful

2 жыл бұрын

I would not accept the risk at my insurance office either.

If you are a roofing contractor and as you've stated you have done this roof 2 times allready then you could understand why I would have suggested another roofing company and maybe even not covered the claim for faulty manufacture product or improper applacation on the geologic specs or just plain improper instalation. Definitely more intention to this which would raise a red flag.

@jdanorthwest

2 жыл бұрын

Two times already... definitely a red flag!

@hilham89

Жыл бұрын

Yes It was for that same house two different times, two years ago from the past time. Two years isn't long for a roof and should look at replacing it with something else and he did so. The homeowner that had it replaced last put the same stuff on the roof and now that they are replacing it yet again, they did go with something different though. I had started that the replacement was for two different house and misheard whatbhe had said later in the video so I was wrong and had to come back to fix my comment.

@aliveandwell2078

Жыл бұрын

What roofing product holds up best for baseball sized hail? Maybe rubber?

@Don-ul6rx

Жыл бұрын

Sorry but he said they had installed that same product already two times before this claim. Go to 1:22 to hear him say this.

@meatymouse9600

Жыл бұрын

@@Don-ul6rx i was thinking how do clay tiles not survive 110 mph winds i have roofs i have done with asphalt shingle still with no damage after several huricanes

Can't believe the insurance adjuster gave you a black eye and denied the claim, what a jerk

#1 rule with insurance companies is don't back down! Time really is money for them. The longer a claim goes on the more it cost them and the more likely they will pay even more than they owe just to close the claim.

@spencerwinston4334

Жыл бұрын

Ty for sharing your battle tested advice. First rate intel that is so practical when dealing with the adjuster, pool hustler grifter mentality. Just 15 mins with an "adjuster" from State Farm over a minor repair was the worst 15 minute business interaction encounter, and your advice clarifies how to view these grifters and "shills" for the supposed ethical CEOs leading these companies advertising as good neighbors, that is if your neighborhood includes Genghis Khan. Your logic about time working against the "grifter adjuster" is spot on. Pacifico beer cheers for sharing.

Thank you so much for explaining! Hurricane Ian I’ve had scammers at my door so holes in my roof not covered.. an adjuster comes tomorrow from KIN.. see what happens! No internet or phone coverage makes it hard to get good people and are left to the knock knock scammers! Your info was great!!!

@homesteadroofing

Жыл бұрын

Thank you so much! I'm so sorry for the devastation that you've experienced. Hopefully our content can give you some guidance.

Thx 4 keepin an eye out for all the roofers out there!

@homesteadroofing

2 жыл бұрын

Thank you very much for the encouraging comments!! That means a lot!

@bigtuck2009

2 жыл бұрын

@@homesteadroofing Pun written all over Mike's comment 😉

3:50 - Most independent "Field" adjusters (IA) are either paid based on Time and Expense (T & E) or are paid on a Fee Schedule. The fee schedule type means that the IA makes a certain fee depending on the total loss amount. Basically: The higher the loss amount, the more pay the IA receives. If the IA is paid by way of T & E, the loss amount is irrelevant and the IA bills the Insurance carrier for each service that is provided. Either way, there is no financial incentive for the IA to keep the claim amount low or deny a claim.

@homesteadroofing

Жыл бұрын

Thank you for engaging with our video. I appreciate your comments and the gracious way you communicated. I have been told the opposite by IA's. The information I put in the video came directly from multiple IA's.

@dcarvoesdc3314

Жыл бұрын

Being an IA for over 20 years, I can assure you that we do not get incentives to underpay claims. BUT… here is how the insurance carriers control that dynamic… The IA can be “fired” at any time without consequences to the insurance company because the IA is a 1099 contractor, not an employee. So the carrier has guidelines and practices they make the IA adhere to when they write an estimate, and force the IA to not include certain items, or use certain “approved” pricing from the insurance company. Or else you will not receive any more claims from the insurance company. So believe me when I tell you, the insurance companies are terrible to the IAs, just as they are to the policy holders and contractors. Insurance companies are the largest criminals in business (except for the democrats Ofcourse). But they are protected by government so we can’t do anything about it.

@crofla2997

Жыл бұрын

Tyler is right adjusters do not get paid more to claim less damage

@TheToddWarner

Жыл бұрын

@@homesteadroofing they lied or were pulling your leg! And 3rd roof in 3 years, seems like a great product!

@peterlarson8932

Жыл бұрын

@@dcarvoesdc3314 the adjuster companies are rated by the insurance industry, poor rating equals less work.

I managed a vehicle recovery and salvage business that had the contract for police recovery, accident or stolen cars. The insurance assessor's were easy going and reasonable and would often ask me if a car should be repaired or written off. They did pay close attention to owners who had red flags raised for excessive claims though.

I had something similar... During a heavy wet snow event, the roof of my carport (20' x 20'), collapsed. I had bought it during the time the manufacturer was transitioning from round tubing to square. The insurance company faught me for several months, because according to them I had to get the same type of structure. The problem with that was, the manufacturer Didn't make it any more. Eventually they buckled and I was able to get a much stronger structure. Never back down..stick to the principal and always make sure that They Know...You are not going to just except it.

@spencerwinston4334

Жыл бұрын

Ty for sharing your battle tested advice. First rate intel that is so practical when dealing with the adjuster, pool hustler grifter mentality. Just 15 mins with an "adjuster" from State Farm over a minor repair was the worst 15 minute business interaction encounter, and your advice clarifies how to view these grifters and "shills" for the supposed ethical CEOs leading these companies advertising as good neighbors, that is if your neighborhood includes Genghis Khan. Your logic about time working against the "grifter adjuster" is spot on. Pacifico beer cheers for sharing.

@ForensicEng

29 күн бұрын

You are entitled to the same quality, not the same manufacturer. If you wreck your old Chevy Cobalt, you don’t get a new Chevy Camaro just because they don’t make the Cobalt anymore. You now get a Mazda 3 or Ford Focus. Like kind and quality, not like manufacturer and upgrade.

if your replacing a roof after 2 years, there's a bigger issue going on. And you've replaced it twice already. Maybe there is an issue with how your installing it. Insurance companies, and consumers paying high premiums, shouldn't have to pay for your learning curve on how to install this type of roof.

@homesteadroofing

2 жыл бұрын

You apparently didn't watch the whole video. Please tell me how an installation error will cause a roof to be damaged by baseball and tennis ball sized hail. I'll wait.

@mikecaldwell8014

2 жыл бұрын

I’m 2 minutes in and you said you had already replaced the roof 2 times before the insurance claim. Sounds like a shitty product, but I’ll continue the video

@mikecaldwell8014

2 жыл бұрын

Finished the video. Hopefully you recommended a different product because these roof tiles aren’t holding up.

@eugenemuckridge978

2 жыл бұрын

@@homesteadroofing If it's that crappy of a product, why are you replacing it with the same crap. No I didn't watch the hole video because I have better things to do. And people wonder why their insurance is so freeking high on their houses. Maybe suggest a better product, or go for a warranty claim from the manufacturer. Putting on the same crap product doesn't resolve the issues in the future.

@robertzabinski6083

2 жыл бұрын

I watched through 3:18 on my TV and picked up my phone to dislike and say that it past time in the video where you explain why it's being redone for the second time. It's not worth listening for 12 minutes to be told this.

Great presentation. Couldn’t stop watching.

The insurance company often is an owners worst enemy

How can you expect an insurance company to pay a claim if you don't give them pricing information they can verify? You can say "No" all day, but they can say "No pay" all day and all night. I didn't bother watching until the end, but your enthusiasm to install a roof for the third time, on a single house, within a short period of time would set off warning bells in my head if I was an adjuster.

@guyincognito210

2 жыл бұрын

How is that his issue? He is a contractor. He quotes jobs. Thats it. He can then walk away until they call him with the money. The insurance company can easily call another roofer or multiple roofers for quotes and compare. He was doing the homeowner a solid by even working with the insurance company for him.

Come to Florida and try to be a roofing contractor three quarters couldn't pass the test . The other quarter couldn't handle the heat.😂😂

If the homeowner has had this exotic roofing product replaced twice and last after just 2 years, maybe it's not such a great product.

@JKiler1

2 жыл бұрын

I'm pretty skeptical myself. Sounds overpriced and low quality. Someone would really have to explain to me how a roof for a house that size costs $50k in the first place, and how that makes sense in any universe.

@homesteadroofing

2 жыл бұрын

Please tell me what roofing material will withstand baseball and tennis ball sized hail. I'll wait.

@JKiler1

2 жыл бұрын

@@homesteadroofing fair enough. So tell me this - if this roofing material can't withstand it even though it's crazy expensive, but it happens every few years - why do it again? If I was their insurance adjuster, I'd turn them down, too.

@SSJIndy

2 жыл бұрын

@@homesteadroofing Details left out of the video.

@Scratchingforcash

2 жыл бұрын

@@homesteadroofing I think dimension shingle would hold up better than what you’re currently using, also it would be so much cheaper to replace damaged areas, it also comes in like 200 amazing colors.

I appreciate this guy looking out for other roofers. The insurance company doesn't have any business asking what you pay for material or labor. They don't like your bid then they can move on to the next guy. If your the only game in town welllllll sorry about your luck. My bids have a clause stating price may change due to cost.

@wyattfamily8997

2 жыл бұрын

Wise move these days.

@philliphays4284

3 ай бұрын

The insurance company has every right to ask what the insured pays for material and labor, they have a right to inspect and they have a right to challenge the prices charged. Read the policy.

I was an independent adjuster for years. Yes we were paid by commission. We would get paid whether the claim was closed or not. We would get additional commission for reinspection. I was also an Xactimate trainer. One of seven in the country at that time. I spent weeks in Utah being trained by Xactimate. It's not just a line item. Well it is but it goes much deeper than that and cost down to an individual fastener can be viewed if you know how to use a program correctly. Getting the roofing cost should have been simple and your labor is important because courts uphold Xactimate pricing. The pricing is the average of any given labor and any given material for any given zip code in the current month and year. So it seems to me in this situation mistakes were made on both ends. It could have been much quicker if you just offered the material costs, it's not anything that can't be found it's not proprietary in that sense anyone can call the manufacturer and get a retail pricing. sounds like you had a poor desk adjuster as well though. I'm not trying to beat anyone up I'm just looking at it objectively and I'm not an insurance any longer so that's just my two cents.

@Bullet115

2 жыл бұрын

Agreed! I think if one thing this contractor decided the desk adjuster and admitted he got more than what he should’ve. Which tends to show there are crooked contractors out there as well

@SomeDumUsrName

2 жыл бұрын

It sounds like they didn't ask for "retail" pricing. They ask for THIS roofer's price. THAT is NONE of their business.

@rockyv180

2 жыл бұрын

@@SomeDumUsrName Certainly it's their business. The only way to reach a fair price is to know the costs, add a burden to materials, allow for overhead and profit. Retail isn't always fair pricing.

@SomeDumUsrName

2 жыл бұрын

@@rockyv180 What this roofer pays for his material is ABSOLUTELY NONE of their business. Determining whether he is charging a "fair" price has NOTHING to do with what his markups are. It's all about the final price and where that stacks up against having it done by anyone else. If I can go drop $500,000 on inventory, then I am going to get a MUCH better price than someone who has to buy material for each job separately and who doesn't buy large amounts frequently. Or, heck; I may have a trick up my sleeve and can get an even BETTER price on the material for that job. In either case, I can mark up WAY more than my competitors who don't have the same resources. So, charging the same "retail" as my not-so-fortunate competitor/s, I can make lots more on the material. Why would a company allow someone else to tell them that they are making too much money on their material? DOESN'T HAPPEN. It is NEVER a customer's job to analyze costs and dictate what and how much a contractor is allowed to markup labor and/or materials. It is the customer's job to shop and compare contractors and compare RETAIL pricing based on comparable quality of materials and workmanship. OUR "COSTS" ARE NONE OF THEIR DAMN BUSINESS! Never have been.

@wrathofdon63

2 жыл бұрын

@@SomeDumUsrName You have explained this correctly. There are several tiers for contractors of different sizes. so there are many different cost depending on that tier. Insurance just pays the retail "highest cost" and let it go from there.

Please tell me you had additional damages for the time that the roof was exposed and then the following storm.

I'm in the roofing business since 1970 and was a field adjuster . This is directed to this fellow. I know this man is glowing with happiness. Sir, nice internet commercial. Nothing more and nothing less.

@homesteadroofing

Жыл бұрын

Thank you for your observation about my emotional state. Hopefully you feel better, too.

The fact that this unequal product that had been replaced twice already was allowed is amazing to me!

@joshmaxon7026

Жыл бұрын

Right, I hope he recommends a different product, a metal roof should last at least 50yrs and up to 100yrs.

@jerryfears3880

Жыл бұрын

Also, just because you have damage to your roof does not entitle you for a whole roof replacement

I'm dealing with an adjuster who is denying a claim, using a clause, " knew or should have known" regarding a very slow ingress of water, between the two vapour (water) barriers, and we did not detect the leak, in a storage area, until an odor occurred, i asked, am expected to carry out a moisture test on all my walls periodically, still waiting for answer

"This old man, he said.... no!" That made me LOL! 😂😂🤣🤣

Not everyone can be as honest as a roofer wanting an entire roof replaced for 2 dings.

@richardburke454

2 жыл бұрын

What u are talking about ? Let me replace three panels on the front of your house and see how it looks like I bet 10 to 1 u will be crying the loudest cuz u lost value on your property because your curb appeal sucks

@Nbomber

2 жыл бұрын

For the 3rd time in 2 years also

@chillwill5080

Жыл бұрын

LOL.. Right?

lol Colorado yeah been here 5 yrs and seen more scammers here then anywhere else and that’s with all these insurance places pretty sad place

It's worse dealing with health insurance. I have to argue coverage with someone on a phone who can't even pronounce the procedures they are denying.

@fenwayify

2 жыл бұрын

I agree, mainly because health insurance is purely personal and directly impacts an individual's well being. Still, insurance companies of any kind exist primarily as for profit businesses. The longer they can delay paying, the longer they retain capital and build on its value. I've dealt with some honorable insurance companies over the years, but just as many dishonorable one's. I found the adjustors the worst of the bunch: A car adjustor who didn't believe my car was hit by a deer, with a clump of deer guts/hair wedged in my headlight...a guy representing the insurance company of a restaurant chain (where I slipped on a glob of spilled salad dressing and cracked my fibula) telling me when I left the restaurant, cameras recorded that I showed no sign of discomfort or difficulty walking-when the truth was my wife and daughter helped me stagger to the car and get to Urgent Care. A good adjustor strives for fairness and just compensation, with the insurance company itself aiming to do the same. My guess is, you're lucky if even 50% of the insurance companies hold to fairness as their top goal...dog eat dog is what I see. If they can get out of paying, they are going to do their darnedest to do so...

@trep53

2 жыл бұрын

The insurance companies make a profit from your illness or injury, it’s a win-win for them. The patient can maybe survive the illness with a manageable bill.

@wolphin732

Жыл бұрын

agreed... my work coverage's "unlimited" dental... has limits.

Why is a steel roof failing three times in a short period??? Steel roofs have an underlayment (water barrier) that most likely is not damaged. Independent adjusters are what you want, they do not work for the insurance company and therefore they provide an unbiased estimate. Why not a repair, sounds like the material is still available?

I had a similar experience replacing a hail damaged roof. We had to do a supplement because our sheathing wasn’t up to code and would have to be replaced. They dragged their feet on getting it approved and sure enough a rain storm hits and we get water leaking into the living room. Result more damage that they had to pay to repair. And I had been all over them the whole time trying to get it done.

Replacing a roof with the same exclusive and extremely expensive materials multiple times makes no sense. His insurance company will probably drop him over this. Still seems kinda shady though.

@LeahBrooksTowerGardens

2 жыл бұрын

Read the description under the title. First roof was Spanish tile and damaged by a tornado. They installed a metal roof. That was damaged by hail. Now they are installing a polymer roof.

@timmitchell670

Жыл бұрын

This roofer seems shady sounds like he doesn't know how to install the product properly.

@Confused_Philosopher

Жыл бұрын

@@LeahBrooksTowerGardens I didn't see any downed trees. If the tornado didn't break brances or down trees the roof shouldn't have been damaged.

@1Shignog

Жыл бұрын

@@LeahBrooksTowerGardens But a metal roof if it was good quality, and installed correctly would not have been pulling away from the roof like it was in the picture. Something is not adding up.

@Chris-mo9gt

Жыл бұрын

@@Confused_Philosopher right! If a tornado came it would have knocked down some trees. Even if it was a couple roofs ago and it happened years ago. Everyone knows you can’t just call someone to remove trees it take years to have trees removed. Boom! Case solved!! Your a goddamn genius

I'd hate to see what the adjuster looked like!

If it keeps getting damaged and needing to be replaced, the insurance company should stop insuring the house and any others with that type of roof product. It's not fair to others who pay insurance and have their rates go up to insure properties that cost them so much. 50Kx 2 or3 times is crazy. Why would a roofer want to put up such frail shingles unless they are just doing it to make lots of money?

@carl_h

2 жыл бұрын

I was thinking the same thing. Maybe there is a real reason why this is the only house in the area with this style of sheeting.

@homesteadroofing

2 жыл бұрын

Please tell me what roofing material will withstand baseball and tennis ball sized hail. I'll wait.

@rrsmith9479

2 жыл бұрын

@@homesteadroofing That was my question. We have grapefruit sized down here about every 10 year or so. Punched a hole through the shingles and decking. No rot. Did you include the material break down when you sent the prior roof estimate? My adjusters usually need to see what you are replacing and the amount.

Anything not to pay. I am dealing with this in SW Florida right now with UPC (who just filed to leave Florida). Handed it over to a lawyer!

I don’t understand this proprietary information like material cost or hourly rate of workers…this is what your priced is based and should be knowledge to the adjuster and certainly to me as a customer

@homesteadroofing

2 жыл бұрын

When you buy a car, does the dealer tell you what their cost on the car was? When you buy a product at Penney's, do they tell you what they paid for it? Then why should a contractor tell a customer or an adjuster what the material and labor costs are?

@MC-ce2pn

2 жыл бұрын

@@homesteadroofing contractors tell me their cost on lumber drywall etc and if they don’t I can simply search it at lumber yards. Secondly contractors / roofers by material per job…auto manufacturers and clothing industries buy their materials in large bulks…there is a difference

Good information.

I would use a roofer to do the roof who had already done that same roof twice already! I would go with different roofer and different type of roof!

Looks like the adjuster said "If I wanted your opinion, I'd beat it out of you!"

It looks like you guys should install a heavier gauge steel roof Specially and heavy winds

If this is the 3rd time using this roof material and its very expensive - it does not seem any good - i would go for a better material thats cheaper.

He sounds 100% correct from his perspective.

@greek42069

2 жыл бұрын

True sociopath scammer lol trying to get big on youtube by making this video as essentially an add linking 10 other videos lol what a clown

Oh and Independent Adjusters absolutely do not get paid a commission on estimates. That is completely false.

I didn’t hear you say what caused the damage to begin with, but since you did replace the same roof 2 years earlier, is the material used prone to damage or was this just a fluke? Is this some type of material I should avoid?

@hilham89

Жыл бұрын

I'm starting to wonder do to it being under a new homeowner if they just didn't like the roof and wanted something different. As they didn't replace it with the same thing.

@FrankoUSA

Жыл бұрын

This is from the description: FIRST - this roof had a Spanish Barrel clay tile roof, which got destroyed by 110-mph winds. The owners opted to install a premium metal tile roof instead of clay tile. NEXT - A year later, the metal roof was hit by baseball sized hail, which totaled it. The insurance company paid to replace it and the homeowners had the same material installed. Then they sold the house. THEN - 2 years later, another hail storm with tennis ball sized hail hit the house and after discussing what the new homeowners should do, we advised them to not install a metal roof. Their insurance company paid for the replacement in full, and they installed a polymer composite material instead.

I find it interesting as Australian why you use bitumen "tiles" Here in Australia corrugated iron or "Colorbond" is extensively as it is light, cyclone ( hurricane) proof, drinkable rainwater can be collected of it etc.

The time value of money equation used by insurance companies will need to be adjusted for the change in the inflation numbers that we are seeing these days.

@homesteadroofing

2 жыл бұрын

Absolutely! There's another increase coming Aug. 1st. Probably won't be the last one this year.

@GhilleGhille

2 жыл бұрын

Tell that at Xactware

Great video!!!@

Insurance adjusters should get to know people and businesses in the trades and stay current with what things cost.

@frequentlycynical642

Жыл бұрын

You think they don't? There are HUGE databases that provide that information.

Nice shiner, I hope that wasn’t the inspiration for the Ladder fails video. I guess I’ll find out. Thanks for explaining the scenarios that help noob homeowners like myself with insight to the nuances of roof maintenance in relationship to the methods of insurers seeking to minimize claims. Thanks.

@homesteadroofing

2 жыл бұрын

Sorry for the delay in replying. I'm obviously way behind on checking comments! Thank you for engaging with our content.

Why not just send a sample of the roofing to Itel, a company that will analyze the product and assign a value. Insurance companies and contractors use this source all of the time.

@homesteadroofing

2 жыл бұрын

There was no need. The insurance company agreed that they were in the wrong.

What's going on there causing a new roof every two years?

Why would a roof need to be replaced that often? Is the product sub par?

What was the reason for the work to be done?

must be a great product to only need replacing every time the wind blows

@jontest5718

2 жыл бұрын

Hey man, if you dont want to be the only person in the county with the brown metal shingles, then feel free to get a conventional asphalt shingles and be trouble free for 10-20 years. You gotta pay to play.

@homesteadroofing

2 жыл бұрын

The wind didn't have anything to do with the metal roof needing replacing.

@coykehoe8865

2 жыл бұрын

@@jontest5718 nah its worth getting eye dotted by hung over field adjustor to be able to install chineese foil roof

@mikeb.7722

2 жыл бұрын

@@homesteadroofing no kidding, but why did it need to be replaced? What was the mechanism of damage to it?

@mikeb.7722

2 жыл бұрын

🤣😂

I hope you are working on my roof. The insurance company should not pay for the roof and should cancel the insurance on the house completely. All insurance companies should not use third party inspection and all claims should be prorated to the age of the home. No old roof should be paid by insurance.

WAIT you said you didn't give them your cost for the materials, then you say you got pricing that was 5k higher, how would the insurance co. Be able to tell without sharing pricing?

Did you have replacement cost coverage on roof or ACV?

@jonathanmattox6060

Жыл бұрын

That is what I was about to ask. And a carrier will send out an ACV check to start the process. Then after completed, they finish paying the difference between ACV and the final bill. The Estimate is just that...and estimate. A roofer may find more covered loss damage or maybe used less material which would change the amount the carrier was prepared to pay. As an agent, the only roof claim that I had that went south was someone who bought ACV upon insisting it and then complained when they had an ACV claim.

you should have sent in a bill to the insurance company for time wasted

What’s the number of squares you put on that roof?

I never figured out why they use the word adjuster. It's closer to reducer.

what happened to the original product?

Oh lord, i have had 3 claims and all 3 denied even though there is clear damage and i am stuck without knowing what to do and have swapped insurance companies because of this, It has been a real loss for us. All 3 times i had a roofer here with the adjuster. My roof is about to just give up...

@stevenevangelist5221

Жыл бұрын

Your getting ripped off.

@homesteadroofing

Жыл бұрын

Oh my!

@philliphays4284

3 ай бұрын

You don't give any info why. Insurance carriers don't pay for every cause of damage but they are required to tell you in writing why they deny your claim and must quote the applicable portion of the policy that is the basis of the denial. are we talking about a roof? You say your roof is about to give up. Wear and tear is not a covered cause. Maintenance is your responsibility. Coverage is provided if a loss happens all at once.

So what is wrong with the product or installation that one roof has so many claims?

If the insurance company was smart they would pay and then cancel that policy.

@mikeb.7722

2 жыл бұрын

That's part of what I said lol.

Look, I am not a roofer or competitor but if the roof is being damaged due to severe weather, it would be sensible to replace it with a product that will stand up to the weather conditions. We use corrugated iron in long sheets, it stands up to MOST hail, all snow, and rain events. Understandably you pay a bit more upfront on material, ( less than clay tile?), but save on labour costs. Try it and forget about it.

Based on this presentation, I am very confused about the repeated need to replace this roof. If I were the insurance company, I would want more information as well.

@homesteadroofing

2 жыл бұрын

I'm guessing you didn't watch the whole video.

I know I'm late to the party but that's a damn expensive roof. 3rd time replacing, is nobody considering a different type of roof? There's obviously some sort of design flaw if metal tiles are bending with a little bit of wind

People forget that most forms of Insurance are primarily risk and reward profit making industries or services! So many insurers (if they can) will always try to undercut or dispute any claim to reduce their outgoings or potential losses. But equally it has to be said that some people also try to rip off insurance companies... so naturally there are always hoops and loops to jump through.

what i'm hearing, correct me if i'm wrong. a roof that you installed failed , you replaced it under insurance claim and now THAT roof has failed ! And the new owners are going to go with the same roof and installer a 3rd time ? ! ? So a total of about $150,000 for a roof !

@homesteadroofing

2 жыл бұрын

The video description explains what happened. No, they didn't go back on with the same material.

@philliphays4284

3 ай бұрын

This is an underwriting problem. once issued the policy states that loss is based on "like kind and quality"

The image you showed of the house makes it look like a small cape . Why would that roof cost $50k. Sounds like the wrong roof for a house that keeps getting hit by hail. Did other homes in the area require new roofs?

As a current field adjuster myself, most of what he's saying is correct. However, by not submitting a detailed estimate showing pricing for each line item, he prolonged what could have been a quick resolution. We can't pay for what we don't see. Experienced Field adjusters are not clueless. We know a good bit about roofing. Some of us come from roofing backgrounds. We create rough estimates thru xactimate and submit it to the homeowner and the roofer. The roofer reviews it and determines if anything is missing or not quite measured exactly right. The roofer then counters the field adjusters estimate with his own but includes his "corrections" or additions for what he needs to get the job done. Field adjuster reviews it and decides if it makes sense or not. Some communication between the two parties may be necessary but all in all, it should never take that long to resolve a roof claim. This particular desk adjuster may have also caused the claim to not be resolved quicker as well. Communication and team work were not strong suits on the part of the roofer and the desk adjuster in this case. Or do it seems to me based on the story told in this video.

@homesteadroofing

2 жыл бұрын

Thank you for engaging with our content in our videos. Your interaction helps KZread recommend our videos and channel to others looking for similar information. Your input is very much appreciated.

Do you allow or suggest to the homeowners to get more bids for comparison?

@homesteadroofing

2 жыл бұрын

Excellent question. Here's one of our most popular videos. It covers that very topic. kzread.info/dash/bejne/h4aLssymhNDUe5c.html

@rrsmith9479

2 жыл бұрын

I do. I also would encourage you to have a local agent who will advocate for you. 1-800-wah-baby is not as good as a local agent who has to look you in the eye.

Best advice: get a good roofer that deals with insurance companies frequently; then have them come out at same time as the adjuster. If the adjuster and roofer are there at same time, there will be far fewer shenanigans.

@caseyworkman6515

Жыл бұрын

Kind of not true most adjusters want to write for an entire roof, sometimes one more damaged shingle needs to be found. Magically if the adjuster is there alone, he finds it, with a roofer (Witness) sometimes he can't. Let the adjuster go alone, if you don't like what he does, request a second inspection with roofer. You have a year what's the problem.

Why did a $50,000 roof fail after just two years???

Wow, when I do a roof, I get excited when they use Xactimate. I have sold roofs through Aspen Contracting. Typically, it's a 50 to 55% profit after all cost when Xactimate is used. I.E., a $20,000 roof, profit minimum of $10,000. How much are you trying to make? And when I have an oddball roof like say a Ludowici clay tile, the adjuster just exchanged my actual material cost of the tile versa the standard Xactimate tile price and updated his estimate. Did seem like such a problem like you're having. I wonder why?

Different situation but the same principle, had a YOUNG insurance adjuster come to our body shop , a recent grad from “LIZARD insurance, she had to come back 3 times for obvious things she overlooked, our manager refused to have her back , as each time she missed something was more time our customer was without a car , they were in a rental which cost the insurance company a ton of money 😎

Presumably the wind increased the damage and you adjusted your costs to accommodate this extra work? Helpful video on the behind workings of the insurance procedure.

@stephenlawson4973

2 жыл бұрын

This is not how the workings of the insurance procedure works. This is his interpretation. All this roofer cares about is his bank account.

@jonnyshoestring9368

2 жыл бұрын

@@stephenlawson4973 Thanks for the clarity👍🏼👍🏼

@mikeb.7722

2 жыл бұрын

He doesn't specify the mechanism of damage in the video (which he should have) but in his reply to another comment he says it was not caused by wind...wonder what the cause was then

@jonnyshoestring9368

2 жыл бұрын

@@mikeb.7722Cheers for that, I'm now curious as to what caused the additional damage?

@mikeb.7722

2 жыл бұрын

@@jonnyshoestring9368 me too. I asked the channel owner, idk , but I'm not expecting a reply haha

Wow.... it looks like the insurance company sent Vinny and Joey to give you an adjustment.... lol

Great video! Does that mean we have to contact roofters first?

@homesteadroofing

2 жыл бұрын

If you suspect it will be an insurance claim, unless the damage is very obvious, it's better to have someone inspect it before filing a claim. Great question.

@neilfpv

2 жыл бұрын

@@homesteadroofing Thank you.

Not surprised but I somewhat understand since many contractors overcharge when the insurance is the one paying.

@homesteadroofing

2 жыл бұрын

Thank you for engaging with our content in our videos. Your interaction helps KZread recommend our videos and channel to others looking for similar information. Your input is very much appreciated.

This is the same with the IRS. Everyone is afraid to have their taxes readjusted in fear that they will have to pay more. Every person I know that has challenged their numbers has come out ahead. Same thing with insurance companies, everyone is afraid of them.

@Jase-L

Жыл бұрын

Not Me. As a Trial Lawyer I've made a fortune (for my clients and myself) going after low-ball, greed-sucking, dirty goddamn insurance companies. The repeal of Glass-Steagall destroyed ethics in banking and insurance -- Ever since, my family and firms go after every penny we can. We settle a fair amount of cases on favorable terms only. I'm not afraid to trial any of those bastards -- If they screw my clients for $5 bucks or $5-Million they're getting a tort and trial. My life's work going after those scumbags.

Would have suggested a different roofing material . Next time

@homesteadroofing

2 жыл бұрын

That's what we did. Told the homeowner we weren't going back on with the same. Installed DaVinci instead.

This guy got into a fight with the insurance adjuster.

If the metal shingles are destroyed by the weather where you live, why keep replacing the entire roof with new stuff if it’s going to just keep happening? I’m really confused to why you’d do that?

@homesteadroofing

2 жыл бұрын

Thank you for engaging with our content in our videos. Your interaction helps KZread recommend our videos and channel to others looking for similar information. Your input is very much appreciated.

If my insurer jerked me around like that for even a week, I'd quit talking to them and just sue them. Companies miraculously get their shit together when they're at risk of getting bitch-slapped by a judge.

I've been a field adjuster for 30 years and i can see this guy is difficult. This is a specialty product and getting manufacturer information and area manufacturer rep phone number would have documented the desk adjusters file to pay out this claim. Just give the material your labor costs material costs and the name of the supplier. metal panel roofs don't usually lift that easy on a roof. I wonder if he installed them correctly. After all they are dealing with 50k roof.

@homesteadroofing

Жыл бұрын

That's explained in the video description.

My friends son was run over by a drunk driver. The insurance adjuster came to his house. The adjuster started to explain that because his son was dead, my friend would save so much money by not having to buy clothes or feed his son. My friend almost came across the table to grab the adjuster. How can someone be so heartless?

I’m a roofing contractor I’m trying to understand why did it need a new roof ? The product you used “ metal .” Should last many many years Storm damage ? Maybe monier concrete tiles with hurricane clips would be better

@homesteadroofing

Жыл бұрын

The video description has the details. 👍

So that’s 3 roof replacements in how many years?

I install country manor shake The price is extreme Not every roofer can do them I wish I could send a pic

From what I hear there was a lot of adjusting going on…

IA's are usually easier to deal with. You're right about how they get paid but usually they get a percentage of the claim so they don't care if it's high but they don't get their percentage on supplements..they just look bad

If the house needs a new roof every two to three years, the homeowner will eventually have a difficult time renewing his or her insurance policy. I'm just sayin'.

I have found Mr. Bookman to be honest and friendly. His company did our roof and I will hire his outfit when the time comes again.

@homesteadroofing

Жыл бұрын

Wow! That was a pleasant surprise to find this comment buried amongst all the others. Like a little gem! Thank you!!

Enjoyed the video except for one incorrect statement. Adjusters, whether independent or employed by the carrier, are NOT paid a commission. Sometimes they charge a fee based on the size and complexity of the claim. Or, they may charge an hourly/time rate plus expenses. Carrier employee adjusters are salaried. Either way, adjusters sometimes do not get it right. A good contractor, like yourself, or a public adjuster, can be invaluable in settling a claim favorably.

@frequentlycynical642

Жыл бұрын

Another commenter here said that he is an independent adjuster and IS paid on commission.

Fighting with insurance adjusters again I see.

if you had installed a product twice already on the same property.... something is going very wrong. either you are installing it incorrectly, or it's a bad product.

@homesteadroofing

2 жыл бұрын

KZread shows me that 50% of the viewers only watch the first 1 minute of this video. I'm guessing you didn't watch all the way.

@jimmoore7712

2 жыл бұрын

@@homesteadroofing nope, divery of message is an important part of video making, to use an analogy I once heard, if the first minute of a song is just a bunch of cats fighting, most people will never hear the lyrics at the end.

@orvil9223

2 жыл бұрын

@@homesteadroofing I watched it all the way until the end and still didn't see any reason why replacing a $50k roof twice in 2 years is a good way to go and I thought you said it was replaced 3 times? Not saying this to be argumentative - I must have missed something as I heard that you replaced it for a different homeowner, but it sounded like the same house? Did you mean two different homes? It might have been worded funny because it seems a lot of people heard it that way.

Sounds to me like you're installing it improperly or the product is not the right product for that area. Either way the insurance company should have refused to pay the claim.