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ckleisch
USA
46 Posts |
 Posted - 02/09/2003 : 14:44:50
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| The insured's residence is sided with ten year old redwood siding. Same,has a natural aging finish. Hailstorm takes place and damages two sides. Insured is adamant that all 4 sides must be replaced because old and new siding will not match.In your opinion is the insurer likely to replace two or four sides? Which would you recommend and why? |
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Dadx9
USA
143 Posts |
Posted - 02/09/2003 : 14:54:09
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This is one for the ages. Most carriers state that they owe for "direct physical damage."
I would recommend replacement of the the two sides only. The carrier is not responsible for matching or obselesence. Unless I was in a state like Missouri where court precedent requires replacement of all sides.
Although the carriers tell us their position on match, many roll over.
My recommendation for all sides to be replaced generally come after three sides are damaged.
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Don
"To be held in the heart of a friend is to be a king."
Bruce Cockburn |
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KileAnderson
USA
875 Posts |
Posted - 02/09/2003 : 15:01:17
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| I'd replace two sides. If they complain the carrier may replace the other two, but that decision is above my pay grade. |
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Justin
USA
137 Posts |
Posted - 02/09/2003 : 18:51:49
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| I would replace the two damaged sides and supply the carrier with elevation drawings and measurements for the two remaining and they can make the decision to replace if they so desire. |
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fivedaily
USA
258 Posts |
Posted - 02/09/2003 : 18:55:42
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I would pay for the 2 sides that are damaged. There are ways to age wood siding, I think by spraying a TCP (or is it TPC) product on it. It will age much quicker and then within a month or so, all sides will be the same color.
Jennifer |
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JimS
USA
9 Posts |
Posted - 02/09/2003 : 18:56:15
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| I second the "Justin" opinion. |
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Dadx9
USA
143 Posts |
Posted - 02/09/2003 : 20:18:58
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Although I agree with Justin. As an Independent Adjuster I now want my relationship to be that the carrier allows me to make the decision. Of course, I would make my recommendation and also include the measurements and diagrams as you suggest.
As we progress from 'typical' Cat adjusting to IA adjusting, just a thought. It seems to me many who post here want to work the file to completion. When I started it was really 'down and dirty'. The times they are a changin'.
Not a disgreement, just a different slant, perhaps?
Thanks for all the positive posts, lately! |
Don
"To be held in the heart of a friend is to be a king."
Bruce Cockburn |
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olderthendirt
USA
370 Posts |
Posted - 02/09/2003 : 21:40:04
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| I follow the directin of the company on site, and make sure the measurements are included if only two sides are covered. Looking at the Texas HOB policy "4 Loss settlement a. 2 the cost to repair or replace the damaged property with material of like kind and quality, ". Now we replace a carpet if there is a burn in one corner, even thought the same quality of carpet is available, because the color cannot be matched. We requard the carpet as one unit and we also give continuous carpet into other rooms. We have a house that ios continuously wrapped in a matching siding, but that is different. maybe we should only paint one wall in a no matter what. |
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KileAnderson
USA
875 Posts |
Posted - 02/09/2003 : 22:09:54
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| Mark brings up a point that has always bugged me. I have painted the entire kitchen, living, dining rooms, hallway and foyer of a house for one water spot at the point where the wall and ceiling meet in the dining room because there was no natural break, why do carriers treat the interior of a house differently than they treat the exterior? |
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JimF
USA
1014 Posts |
Posted - 02/09/2003 : 22:21:06
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Kile, to answer your question: here are my three guesses:
(1) Cheaper to paint or carpet interiors (generally) than the cost to match roof or siding.
(2) Insureds spend a majority of time inside where there would be constant visual reminder of a matching 'problem' not easily cured save total painting or carpet replacement. Visualization of matching problems on the exterior can often be minimized or nearly eliminated by repair techniques. (You can't move that water spot in the middle of the dining room ceiling to a closet ceiling, but you can replace those three missing shingles on the front slope with 3 shingles from a rear eave course or 2nd story rear dormer).
(3) "Matching' is not really a direct physical damage to the undamaged but 'matching' component of an affected building 'structural system' (roof or siding), whereas repainting or recarpeting is part of a covering system (paint, carpet, vinyl). Painting an exterior to match a covering, would likely be considered differently than replacing a strutural component by many carriers.
Other than guessing, I really have no idea.
It is an excellent and interesting question.
It seems to me, the solution is for carriers to offer a 'Matching Endorsement' for roof and siding, which would also serve to reinforce that matching for siding and roofing is not covered under the unendorsed HO policy. |
Edited by - JimF on 02/09/2003 22:37:33 |
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Newt
USA
657 Posts |
Posted - 02/10/2003 : 09:23:19
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I agree with the majority, that Justin is right, we could only go to the limit of our authority.
Carpets are a strange breed, colors cannot be matched. Even dye batches on new carpet don't match.
I know I got half way through a job once then had to rip it out and start over because I had premium grade carpet from different dye batches. |
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Dadx9
USA
143 Posts |
Posted - 02/10/2003 : 13:25:44
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I believe the phrase is 'reasonable uniformity'. That and the inside i where folks live.
Don |
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inside man
45 Posts |
Posted - 02/10/2003 : 14:23:51
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Minnesota also has state regs requiring you to replace all the roofing and siding material if a discontinued product is involved.
Has anyone seen higher costs for roofing and siding then MN ??? |
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Dadx9
USA
143 Posts |
Posted - 02/10/2003 : 16:35:18
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You mean the 'People's Republic of Minnesota'?
Not even in California!
Don |
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olderthendirt
USA
370 Posts |
Posted - 02/10/2003 : 16:38:34
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| Do they still charge $7.50 lf for gutters? Works great on a sliding pay scale. |
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DEMIGOD
99 Posts |
Posted - 09/04/2003 : 00:17:34
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| Contractors in Minnisota obviously have great self esteem and place value on what they do and so it's reflected in thier price! Well actually I think they just know what to charge for the work they perform. Gone are the days of the "out of the back of his pick up truck roofer, who shows up to the job with his two sons and the three legged dog"!!! |
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HO-3/Ho-2 Hail damage
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