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re: Isnurance company denied my roof hail damage claim. Options?
Posted on 5/5/24 at 3:44 am to Back to Scat
Posted on 5/5/24 at 3:44 am to Back to Scat
I’m not an expert or anything but You can always hire a public adjuster, a professional a-hole to harass and bully the insurance company while you wash your hands of the whole thing. He gets paid a cut of the claim and you get a new roof. It’s a delightful process, full of quality people working together, lol.
I did this successfully in 2020.
I did this successfully in 2020.
0
Posted on 5/5/24 at 7:09 am to faraway
quote:
I have a female friend who is good friends with a rep from a roofing company. she got covered for hail damage but there hasn't been a hail storm here for many years. She didn't even own the home the last time there was a hail storm here. they covered 18K minus 1k deductible. standard 3 bedroom 2 bath 60's ranch style home.
And then people want to know why insurance companies deny things and raise their rates….
Posted on 5/5/24 at 7:48 am to dualed
quote:Yeah, apparently SF is not good. We had wind and water damage at our NC place. First question the contractor asked was what insurance we had ... USAA (Pure Insurance). He said "Good, as long as it's not State Farm."
I had SF up until the last month or so. A roofer came through our neighborhood and a guy 2 houses down gets a new roof through USAA.
All said and done USAA was very good
This post was edited on 5/6/24 at 7:15 am
Posted on 5/5/24 at 10:51 pm to faraway
quote:Sounds like she committed insurance fraud.
try a different roofing company. I have a female friend who is good friends with a rep from a roofing company. she got covered for hail damage but there hasn't been a hail storm here for many years. She didn't even own the home the last time there was a hail storm here. they covered 18K minus 1k deductible. standard 3 bedroom 2 bath 60's ranch style home.
For her insurance company to have covered it, she would have had to lie to them about the date that the damage happened since her policy wouldn’t have covered pre-existing damage.
Posted on 5/8/24 at 4:14 pm to Back to Scat
My concern is.. When the Adjuster and the roofer were on the roof together...The roofer pointed out the hail damage, along with the fans and jacks....The adjuster didn't say anything... Then he got back on the roof later... And then we didn't have damage....
Any suggestions for a good roofing company? Premier South? anybody?
Any suggestions for a good roofing company? Premier South? anybody?
Posted on 5/8/24 at 10:21 pm to Back to Scat
quote:
Then he got back on the roof later... And then we didn't have damage....
If the hail storm was over a year ago, you don't have what the insurance company defines as hail damage.
It isn't a play on semantics.
It is literally a claims manual with rules.
Do you expect a new roof with 1 hail hit from a storm last week?
Or do you expect the adjustor to read/know his/her claims manual and know what triggers a claim?
Posted on 5/9/24 at 10:47 am to meansonny
OK what I expect is for the Adjuster to discuss this matter while I am present... and while the roofer is present. When the roofer points to a spot, circled in chalk, and says hail damage...and the adjuster says nothing... Not to come back later and say... It is not hail damage.
Posted on 5/9/24 at 1:09 pm to Back to Scat
Depends on what state the residence is in
Posted on 5/9/24 at 1:14 pm to Back to Scat
quote:
OK what I expect is for the Adjuster to discuss this matter while I am present... and while the roofer is present. When the roofer points to a spot, circled in chalk, and says hail damage...and the adjuster says nothing... Not to come back later and say... It is not hail damage.
Did you have an adjuster at the house or did you have an inspector that uploaded photos to an adjuster and that adjuster made a coverage determination?
Posted on 5/9/24 at 2:03 pm to Back to Scat
It is truly amazing at how many roofs have been fraudulently replaced over the last several years. We are all paying for it now. I've seen thousands of hail claims for roof damage from roofers going door to door and homeowners swearing they have hail damage on their 18 yr old roof that has been worn to shite in south LA climate. But we never get anyone calling with auto claims for hail damage to their cars. I know not everyone is parked in a garage. How does the hail know to only land on the roof?
Posted on 5/10/24 at 12:08 pm to Back to Scat
You can have hail damage on your roof, need a new roof, and still not have a valid claim. If you have a 15+ year old roof almost every roofer is going to tell you that you need a new roof, and almost all can find some hail damage. Doesn’t mean that hail has created the need for a new roof.
Posted on 5/10/24 at 12:36 pm to Teddy1388
quote:
I've seen thousands of hail claims for roof damage from roofers going door to door and homeowners swearing they have hail damage on their 18 yr old roof that has been worn to shite in south LA climate. But we never get anyone calling with auto claims for hail damage to their cars. I know not everyone is parked in a garage. How does the hail know to only land on the roof?
The hail needed to damage a roof is less than the hail size to damage a vehicle, especially an older roof. Hail damage is looking at the damages to the fiberglass matting of the shingle. Older roofs have shed more of the aggregate due to weather so they have less protection from the hail.
This post was edited on 5/10/24 at 12:38 pm
Posted on 5/10/24 at 12:42 pm to wickowick
quote:So older roofs should be changed out by insurance carriers? That isn't sustainable. What happened to home maintenance?
especially an older roof
Posted on 5/10/24 at 1:10 pm to Back to Scat
Insurance policies are not so many pages long so they can tell you what all is covered. They tell you what all is not covered.
Posted on 5/10/24 at 3:33 pm to Back to Scat
quote:
Anyone deal with this before. I know I can file an appeal. Any success stratagies or past est experiences would be appreciated
You just need to get a re-inspection.
The insurance company will probably pay to replace turbines, vent caps, and a few other things but will most likely will be under your deductible amount. The roofer needs to send in a full estimate/supplement to your insurance company along with pictures showing there is hail damage. That will get your insurance sompany to send out a different adjuster for a 2nd inspection.
If you get denied on your second inspection then you have minimal options. The best is to file a department of insurance claim (you can do this if they deny you a 2nd inspection). The "get a lawyer" advice is just dumb. No lawyer is will be willing to take on that case. It's not worth their time and they would never win anyway.
Posted on 5/10/24 at 3:39 pm to NC_Tigah
quote:
Yeah, apparently SF is not good
I deal with insurance companies every day. As far as homeowners go, you could not pay me to have State Farm or Allstate. They are BY FAR the two worst as far as screwing over homeowners and getting out of paying for damage.
Posted on 5/10/24 at 3:48 pm to Teddy1388
quote:
So older roofs should be changed out by insurance carriers? That isn't sustainable. What happened to home maintenance?
It might not be sustainable, but the damage is more likely to happen after 12 years of age because the shingles have lost granular and the asphalt is baking out causing the shingle to deterorate more rapidly.
One option is to turn the roof into an ACV policy past a certain number of years but talk about some hell-raising when a policyholder is paid for a new roof but it is deprecated at 20 years due to age, and they get $1k to replace their 35k roof. Then they don't have the money to replace but the insurance has paid to replace, then another storm comes through and damages more shingles and now there is interior damage. Insurance is going to look at prior claims, see the roof wasn't replaced and deny any interior damages due to lack of prior repairs and not mitigating damages.
There are no easy answers, you are going to pay higher premiums, get less coverage, or find a way to make repairs a lot cheaper.
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