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How do you total a roof without damage, without getting on the roof?
why does hail damage necessarily have loose granules? wouldn't rainfall and wind wash away loose granules?
Asphalt shingles are the largest scam in the history of building materials. The only thing they are good for is roofers bank accounts.
Roofers are scumbags. The reason insurance is so high, is the contractors not the insurance companies.
You are forgetting a couple of other reasons including Cloud Seeding: Supercharging Thunderstorms - SITREP 4.30.24 MonkeyWerx on youtube and garbage shingles of companies like BP and IKO who lost huge Class Action Lawsuits.
The sad truth is that Solar panels are the strongest roofs...
I do like your content, and agree with most of your assessments of the "hail" damage in these photos, but feel like this presentation creates the perception that contactors are dumb and bad. I'm a contractor and have never caused any damage to a roof, but I have however witnessed cat adjusters causing damage themselves to the buy the roof. I wish the message from this video was one of how can the contractor and adjuster work together for the benefit of the homeowner, not an us vs them. Causing damage is not OK, but probably only done by a small minority of people.
Hey, CW.. I have a LOT of videos on this channel about contractors and roofers in particular and most of what I talk about is the good. This particular video was just focused on the (rare) fraudulent things I've seen in my career.
Where I am adding up is a new elevation for what is often the same repeated damage. Say a hail storm hit three sides of a house like they often do. I will grab a window, siding and such from each elevation in my mind to "justify" the associated line items for that particular side. is this going overboard for repeated damages?
Matt I value your opinions. I am a veteran adjuster with over 30 yrs experience. Early in my career bruising was a term to describe a softness but no fracture. In this video what I see on the ridge is hail damage no question and if lifted a fracture would be found. The previous comment is from a person that has tried to make an argument that a soft spot is physical damage and was overruled.
“Softness” and “bruising” are not defined in policy language. Insurance companies have moved the goal posts from the language in policies they sold to avoid indemnifying their insureds.
I think it is UV penetration that damages plastic internally. I live in New Zealand, the UV is strong here. Lots of plastic things fail quickly. I worked at a place making electrical equipment for outdoor measurements. We always used UV stabalised thick plastic enclosures and cabinets. We used black plastic also, which had, I think, carbon dust, in it, which stopped UV penetration. We had some white plastic parts and black plastic parts which were the same, and the white ones failed in a couple months, and the black parts lasted three years. Summer heat and UV work together to weather the plastic. The powdery surface you can clean with some oil, I suspect, that is the break down of the plastic. Some of the materials in the plastic which make the colour pigments, or opacity of the plastic are left at the surface as the plastic weathers. The plastisizers in the plastic, and in paint coatings, evaporate out of the plastic. You can sometimes heat plastic with a flame torch, which can sometimes mobailse some of the plastizisers to the surface, which can make the plastic look new again, look new, not be new. But the cause of the damage to the plastics is the UV or perhaps also heat, so the plastiszers migrate out, and the UV breaks the long chain molecules. Why do you have vents in the roof at all? Why not have them on the walls, below the eves of the house. I have never seen roof vents on home here. It's not a thing that people make here much. I have only really seen them on commercial buildings here.
All these years and he still says “ruff”
Seems awfully one-sided in favor of the insurance companies. Considering insurance policies are contracts of adhesion, we must interpret the word “damage” as broadly as possible in favor of the insured. I’ve never seen the word “bruised” in a policy.
Have you ever seen the word "stain" in a policy? What about "chip" or "hole?" There has to be a standard and for hail the one that hasn't changed since I got started in the late 90's is that the matting of the shingle must be damaged - colloquially known as a "bruise." Granular loss is not considered damage by anybody except roof salesguys and PAs.
You do realize you cannot buy the power vent cover by itself!
Negative: homeimprovementsupply.com/p-6068-air-vent-roof-mount-metal-vent-replacement-dome.aspx?vid=1081275&Google&Product_CPC&gad_source=1&gclid=Cj0KCQjw7ZO0BhDYARIsAFttkCgOTRuJUzV5f6hHpDeiwx9VjOErlUGXnDKuIJn3hRnqQrSjouZOUgEaAugzEALw_wcB
I’ve tried that, it doesn’t fit most power vents on roofs we replace. What are we to do then?
In my view I'm buying the roof with two or three layers that has virtually any peril caused damage present. You also mentioned different materials on each layer. We can't build the height back up to equal the adjacent slopes so we' have an easy full replacement call IMO. Any other repair-only consideration will yield a non-workmanlike result. For me the 2 or 3 layers decide this call; I don't even need brittle, old, or spaced decking to help me justify this as full replace. The carrier may want something else but let's not forget they elected to insure piece of work. Am I missing something or would a repair really fly in the end?
Depends on the extent of the damage. Certainly a case can be made to replace slopes or an entire roof if the damage is extensive enough. But if the insured put on a third layer and the damage is otherwise repairable.. I mean, they got the shingles on there in the first place. If there's less than 60% damaged to the slope and the shingle is new and in good shape they can repair it the same way they installed it. Is it the best way to do it? No, but that's their pre-loss condition. More than one layer is not good in my view but I can't justify replacing an entire roof for a few damaged repairable shingles on a multilayer roof, if that makes sense. On the flip side some carriers/policies will allow the homeowner to choose which finished surface they want. So if they have an old busted up t-lock on top but a heavy hand split shake as the bottom layer, the insured can go with the wood shake (which is a LOT more than a basic comp roof).
Don't wait to watch this entire series for FREE right now: adjustertvplus.com/programs/hailyes
I was going to be an auto adjuster but everything I'm reading online says it's terrible and that property is 10x better. Considering switching fields.
Ive seen that shingle in huntington wv.
I just found your page and I am an auto claims total loss adjuster wanting to break out into independent adjusting. But I’m having a hard time figuring out how to do that. Do you have any advice or can you lead me in a direction?
check out adjustertv.com/start for a free video course about getting started that we created.
Don't wait to watch this entire series for FREE right now: adjustertvplus.com/programs/hailyes
Don't wait to watch this entire series FREE right here: adjustertvplus.com/programs/hailyes
Can I work 20 hours a week? How much would i make
I want to work around 20 hours a week, because I want a life. Is that possible? How much would I make?
I have NEVER sketched something on paper in the field and not been able to understand my notes and dimensions later (if I could find them) LOL
How long on average does it take to do 1 claim?
So this is really helpful and answers my questions since I can’t do deployment cat. Which states should I start with? Texas is my home state.
Great video! Super informative, thank you! I would totally go for Cat for all the reasons you stated, however I can’t leave my family for periods of time like that. What do you suggest I do to start so I can land a steady opportunity and gain experience. I’m totally new, just passed my Texas all lines and have no certifications
👍👍MINNESOTA
👍
yep
Hey Matt i just applied to Big Red for a staff position but have been an IA for two years. I want to get more experience and be a better adjuster. Do I have to give up my IA license to be a staff adjuster and do you think they will let me run CAT if I get called to run a deployment?
I bought and sold cars out of dealer auctions for years part time while working my regular job, I loved it Am thinking today to get back into it again at 71 Is an addicting thing to do and a lot of fun Many times I've gone through and checked out 300 cars in one day
Their adjusters are a joke. Lying Thieves would be a good way to describe them.
Very helpful, thank you!
Adjusters get deployed and paid by the carrier or by the ia firm ?
Can I use an iPhone 📱 14 pro max unload the XactimaTE and sketch with the iPhone ?
That guy seems fun to work for😂
Definitely agree with writing the estimate right there pay the insured as quickly as possible and let the desk handle the rest if need to be. 👍
He said stay out of his hair 😂
Just so thankful good people like you exist and are willing to share knowledge on how to make decent money im 32 and ive never had anyone explain to me a good way to make money
Great video. I started my career last June in the field. And being a slow year I was only running claims for one IA firm because I took a course with them. But I’ll say the most important thing you need to get started is support. I needed the support of my wife, both emotional, and financial for us to have me make this change. It wasn’t an easy transition, and then I needed the support of the IA firm and a mentor for knowledge. I was a deer in the headlights. I watched a lot of your videos and have commented on them throughout the year. But without support, you can only go so far. And in 2024, more claims have come my way with all the weather we’ve had in Texas and firms I’ve contacted in the past are now reaching out to me to run claims because everyone is getting behind on claims. If you’re just getting started then you have to spend all this time learning and collecting certifications. And get on a bunch of rosters. The work will come. Be honest and don’t rush your claims. You will make mistakes. It’s all good.
Hey Max, thank you so much for this video. I am currently an auto liability adjuster with a major insurance carrier and have been so for over a year. I want to transition to an IA, so your video was extremely informative. Because I am a file owner for auto claims I know I have a pretty good understanding of auto damage claims. This video gave E the motivation I need to take the leap to get my license and get started ❤
What’s your advice on transitioning from a desk adjuster position to IA working daily claims? Any tips on trying to make the change as smooth as possible? Located in CA with residential license for 3 years now working desk
Thanks!
I want to be an auto adjuster
Im a plumber and the head of maintenance at a university. Im hoping ill be a good candidate for employment as an adjuster.
USAA wants a pic of every damaged roof vent. Those pics add up quickly.
Yes always do as they ask. But the baseline photos will suffice for most carriers and claims. Tell the story!
What is the best way for restoration vendors to build relationships with field adjusters? I have been in restoration for 10 years. I have a lot of great contacts, but the guys who really kill it have great adjuster relationships feeding them work. I have worked with several adjusters when I was in Operations at Servpro, but I could never build an ongoing relationship. My company is National and we are on most TPAs. Contractor Connection, Alacrity, etc. I’m interested in getting advice from an actual adjuster. I’m on the sales side now so I don’t have the exposure to adjusters like I used to in operations. I’d love to get your opinion. Thanks
Hey there.. well, we can't "feed" work to contractors. But when I worked daily claims from home (fires, water damage, etc) I would see the same contractors over and over again and the best guys I liked working with were friendly and not always trying to slide in extra stuff to their estimates for a better negotiating position.
My adjuster has been lying so much
I’m curious as to the pay rate for independent file reviewers. Do you have a video on that or range for daily and cat reviewers?
The pay is quite variable. Often file reviewers will be paid either by the hour or by the day/half day
@@AdjusterTV thank you. I ask bc I started reviewing and it’s by the file. And with supplements or any reason for a reopen or kickback, I don’t find the at file rate the best way to go. This is helpful.
What about a corporate job as an adjuster? I’ve been in insurance sales for 16 years…. But thinking of doing something different!
There are lots of staff jobs available in claims at most companies. Your sales experience will come in handy on the customer service side of things.