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Last Post 09/17/2010 9:06 PM by  Ray Hall
So, something has happened?
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Ol' Ghost
Advanced Member
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Posts:279


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09/17/2010 11:53 AM

    So, there I was on my neighbors roof replacing three wind damaged shingles. I come inside to find all kinds of changes here in the forums. I take it Roy lost his temper with Olegred and the bickering? Wow!

    But, back to the roofing. This roof was installed in the late summer of 1996 and is a 20yr rated 3 tab. The minor wind damage from HERMINE resulted in three shingles needing to be replaced along with two others with the seals loosened. The felt was intact. This is a typical wind loss we have all seen, and grossly overpaid with slopes or entire roofs. The repair, not counting the time to go and buy the correct bundle of shingles, was 20, that is twenty, minutes.

    The tools used were an old flattened metal spatula to pop loose the seals of the adjacent shingles, my trusty hammer, a forked pry bar to pull loose the nails, and a caulk gun. The three shingles used left the remainder of the bundle to be stored away as spares in the future. Oh, and 7 nails from my nail can.

    Twenty minutes after ascending to Heaven, I am back on the ground folding up my ladder leaving behind up there a correctly repaired and water tight roof. My 82 year old neighbor says she now owes me a pie plus the $21.38 for the bundle of shingles. The point here is the bleatings from the roofers and the pansies at the carriers who swallow their bovine manure are wasting tremendous loads of the companies funds on roof replacements that ARE NOT NEEDED!

    This roof is some 14 years old, well within the so called 'parameters' of being 'non-repairable'. The adjuster sent out by USAA from Allcat Claims in Boerne went ahead to replace the slope in order to; 1. run up the fee bill, 2. anticipate the sloppy inside adjuster handling of the file, and 3. prevent any arguments from roofers, which just happens to be our job. But, no one knew there was Ol' Ghost hiding in the bushes waiting to come forth with the truth. That truth is, roofs are spot repairable even the old ones. We must act in our fiduciary capacity using the specialized knowledge we have acquired from our investigatory learnings to correctly determine the proper repairs the policy owes.

    Ol' Ghost

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    Leland
    Senior Member
    Senior Member
    Posts:741


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    09/17/2010 12:25 PM
    What is the code for Pie in Xactimate?

    Do we put 10 & 10 if a pie is included? It is another trade.

    My suggestion:

    BCK PIE Pie; one crust, 10" to 12" fruit or meringue, with metal tin $12.95
    note: does not include labor to return pie tin. See DLIV TIN for return labor.

    note: use BCK CRST for two crust pie, not included in standard pie
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    Goldust
    Advanced Member
    Advanced Member
    Posts:306


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    09/17/2010 12:38 PM

     

     

      You guys kill me.LOL

    I just had a brain storm ! Whoa!! This doesn't happen often.

    You know when you get a rock chip in your windshield the carriers will pay to have it patched. No deductible taken .

    Why don't they do that with a small roof repair like Ghost just fixed. It would save them a bundle.

     Too simple would not compute w/ the Bachelor degreed folks I suppose.

    JERRY TAYLOR
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    Bobabooey
    Member
    Member
    Posts:140


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    09/17/2010 12:44 PM
    What a waste of materials as well. Tearing off a 50 square roof that still has 15 years of life left so the roofer can make a couple grand. Makes me sick.
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    ChuckDeaton
    Life Member
    Senior Member
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    Posts:1110


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    09/17/2010 12:57 PM
    It is about money, I saw a news article that says that the Mostyn Law Firm was paid 89 million by TWIA (the people of Texas).

    "$189 million TWIA settlement negotiated by the Mostyn Law Firm on Ike "slab"claims"
    "Prattling on and on about being an ass with experience doesn't make someone experienced. It just makes you an ass." Rod Buvens, Pilot grunt
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    Goldust
    Advanced Member
    Advanced Member
    Posts:306


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    09/17/2010 1:24 PM

    That sure would have taken care of a lot of minimum repairs .probably with money to spare! And the insured could have kept their deductible.

    JERRY TAYLOR
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    Goldust
    Advanced Member
    Advanced Member
    Posts:306


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    09/17/2010 1:34 PM

    lets see at 30% contingency that only leaves $56,700,000.00  could mean a tough year for them.

    JERRY TAYLOR
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    Ol' Ghost
    Advanced Member
    Advanced Member
    Posts:279


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    09/17/2010 3:26 PM
    Yeah, but did they get any pie?

    Ol' Ghost
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    Goldust
    Advanced Member
    Advanced Member
    Posts:306


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    09/17/2010 6:31 PM

    LOL

    JERRY TAYLOR
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    Ray Hall
    Posts:2443


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    09/17/2010 9:06 PM

    Oklahoma was the first state that had non recoverable depreciation on roof shingles. Now if we can get all the TX writers on board we can bring about some real charge in TX. homeowners annual premium increase, It,s the problem in the Greator Houston area of the roofers finding wind lift on ever roof that is over 10 years old. This is the trade off. No rate increases for 2 years. For this all HO-3, HOB, DP3 will have the following language on renewal policys. The roof coverings (membrane) is not subject to the replacement cost provisions and will be adusted based on age and condition and paid ACV. Most all TX has a min. of $1,000 deductible or !% up to 5%. This would stop the runaway contingency roofers from door knocking as no pay off will be coming. We still get paid on the amount of the RC and insurance rates will have to come down.

    Do you old Mississippi adjusters remember in 1996 , Aluminum patio and car ports were excluded for damage by Wind/ Hail. Is it still that way?. Do you all remember when TV mast and antenna was excluded nationwide?

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