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Mcbride doug
USA
6 Posts |
 Posted - 10/28/2003 : 11:24:32
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In reference to Lon's post concerning a "roofer/adjuster" he met. This sounds like the old "military intelligence" joke -- a complete contradiction in terms. I have never encountered anyone double dipping like that, but i guess anything is possible in Texas.
A real world example of the new vs old shingle damage hit me in Tennessee earlier this year. I replaced a roof and some siding damaged by a 11/02 hailstorm. They had another storm in the same area in March or April. I received the file for the same policyholder, assuming it was going to be a supplement or something from his previous claim, but that was not the case, his new roof had been installed a week before the second storm, the new shingles were still soft and pliable-- the slope that was damaged looked much more severe than surrounding roofs that were 2-5 years old. Shingles were Atlas dimensional IR's. |
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Lon Sterling
68 Posts |
Posted - 10/28/2003 : 12:01:38
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Sorry, Doug. It is far from a "military intelligence joke". I wish it were.
I have the guy's business card on my desk as I am typing this. I'll withhold the name and the roofing comapny name but under the representative's name is printed:
Commercial/Residential Estimator
Licensed Insurance Adjuster
All of the card is printed and there are no "fill in the blank" names or hand-written things on the business card. This is the roofing company Allstate chose to look at the roof. |
Lon |
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Lon Sterling
68 Posts |
Posted - 10/28/2003 : 12:32:55
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quote:
Originally posted by khromas
If you are dis-honest, it doesn't matter whether your are a roofer, a homeowner or an adjuster, the end result is still that your dis-honest. I am about to put my home in Houston on the market and move up here to Virginia. At an asking price of $375,000, I know some home inspector is going to say it needs a new roof. (Other homes in the neighborhood have been replaced due to "hail damage" and it is 3 blocks from the main property office for Allstate.) I could call my State Farm agent and they would not even send anyone out, they would just take my word for it. (They did that on a foundation claim I had on a house 3 doors down the block!) ..... but it has NO hail damage!!!!
The point is - I like being able to look myself in the mirror each morning and believe in myself and the integrity I maintain as a person.
If you're honest and you know your home needs a roof but you don't want to turn in a claim because there is no hail damage, I totally agree with you. However, don't call ME a "bozo" because other people turn in claims on losses for which they are insured. What a crock! And by the way, if you know the home needs a roof, why don't you just buy one instead of unloading it on some unsuspecting homeowner. Bet your honesty hasn't made you tell your realtor the house needs a roof.
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The problem in Texas has been the old HOB 'maintanence' policy which allowed people to let their homes fall apart and then cry injustice when the big, bad insurance company wouldn't come in and build them a new house!
I have NEVER seen an adjuster pay for home maintenance as you claim. That's just a slanted way of saying "Gosh I wish I could charge these people for depreciation like we did years ago" when you know the hail would have totalled a new roof, too. Maintenance would include rot, rust and a dozen other things I have NEVER EVER seen paid on any HOB policy. None of the major companies I know of pay for ANY maintenance items on roofs so you can take the "Bozo" term and apply to where it really belongs - your attitude.
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I am also a consumer and have to pay the price when bozos like Wes and Lon screw the system and cause premiums to go through the roof with fraudulant claims!
I have ALWAYS loved the adjuster who believed turning in a claim for an insured loss was "screwing the system" and calling me fraudulent? That is the biggest laugh in the world! Take my tear off bet, Mr. Honest Adjuster. Surely living in such a fine home and being ready to keep quiet about the roof's real condition, you'll have enough money left over to bet me on a needy person's roof that your tear off figures DO represent ALL the squares torn off. Surely you're that honest, aren't you? The bet will settle once and for all how many squares of tear off are there - down to a tenth of a square. You're all about honesty, aren't you?
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They are the reason my premiums in Texas cost me 2 grand a year and here in Virginia that same house will cost me $400-500!
Look in the mirror each morning guys, tell me what looks back.
Just like the plywood people blame the spotted owl one year, wet timberland another and construction in Iraq now for higher prices, you refuse to admit the real reason for skyrocketing premiums: Your industry's poor underwriting and investment income.
By the way, as many people as you are calling dishonest, I would think that you would at least know that it is not a hyphenated word but then, I can tell you think policy premiums should only be used to pay administrative costs, commissions, and adjusters when they no-claim files. I WILL admit the insurance industry has done a whale of a job intimidating people about getting non-renewed or having their rates hiked for turning in even valid claims.
Telling me I turn in fraudulent claims is a serious charge. I'll say right now you are too chicken to bet me on the tear off issue and I'll even spot you the building permit.
Thanks for the speedy backpedalling I know you'll do on this issue. It proves YOU are the cheat.
Have a nice day, horse trader (that's what I call an adjuster who lacks the inherent ability to pay an honest and fair price because the "haggler" in him just won't allow him to do it). LMAO! |
Lon |
Edited by - Lon Sterling on 10/28/2003 12:43:03 |
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Ghostbuster
476 Posts |
Posted - 10/28/2003 : 14:02:27
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| Roy, it's time for you to step in and put a damper on things. The personal attacks are getting out of hand. |
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ALANJ
USA
159 Posts |
Posted - 10/28/2003 : 14:42:45
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| This is one of the better threads we have had in yrs. Lon, thanks for the info on the threshold thing. If they can not back this up, with data and a few more experts, then they are in trouble. Lon, is there a web site that I can get a copy of the HAGG procedures. |
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Tom Toll
USA
154 Posts |
Posted - 10/28/2003 : 16:18:04
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| Ladies and Gentlemen, shut down your engines, mostly Gentlemen. There is no need for the recent posts using the language, accusations, etc., etc., etc. I, as a moderator am going to delete posts that are not presented in a gentlemenly or lady like way. I am sorry, this is not professionalism, it is "yah yah, I'm gonna get you baloney". Grow up boys and be articulate, non accusatory, and non blaspheming, or the posts are gone. Now, if Roy disagrees with this, he has my permission to fire me as a moderator. This is not some kids chat channel. This is a professional web site, aimed at helping each other in this profession. |
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Roof_Dr_Sr
USA
27 Posts |
Posted - 03/04/2004 : 05:11:37
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IMPACT RESISTANT SHINGLES!
The idea started out slow but has picked up with different manufactures offering different products. What you need to do is compare the difference in cost to the amount the insurance company offers you as a discount for having these shingles. How often do you get hit by hail? Every 1-3 years? 3-6 years? every 10 years? The longer time between hail storms you encounter, the less you need the impact resistance shingles. Owens Corning has discontinued their new impact resistant shingles in Texas. Didn't last long, had a color problem I understand. Remember the insurance company will get you to sign a waiver for replacement on these type of shingles due to appearance damage. Thus if you have a metal roof with damage you will always have a damaged roof unless you replace it yourself. Thats only if you take the discount as I understand the terms. Ask your agent.. Good Luck |
Roof Dr.Sr. |
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Roof_Dr_Sr
USA
27 Posts |
Posted - 03/04/2004 : 05:13:41
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quote:
Originally posted by JMooreKC
since when is the standard 8 nails per shingle??? I have always used 4 nails, except on presidential which requires 6. If you are using 8-10 nail in anything no wonder there wont be any hail damage when the hail can only hit metal nail heads.
If a roofer puts the 4 nails in the proper location, these nails will also hit the shingle below giving that shingle 8 nails per shingle. Get the nail too high and you only have 4 |
Roof Dr.Sr. |
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Cecil
USA
35 Posts |
Posted - 03/04/2004 : 06:46:09
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Thank you for that one Roof Dr Sr.
By the way, anything that is more resistant to hail does not get my vote. I think the last time I got close to a hail resistant shingle I had an allergic reaction. Must have been the glue they use. |
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Impact resistant shingles
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