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I have left a message for the adjuster, but I figured I could get some feedback if any adjusters have ever run into this before and how it was handled.

I have already notified the Home Owner about the hidden layers of shingles and the additional incorrectly applied layer of CDX plywood deck sheathing sanwiching in another hidden layer of asphalt roof shingles.

Thanks for the response so far, though.

Ed

From your first post, it looks like the carrier initially agreed to do the right thing, and take it down to a clean layer of decking. Most carriers do agree to that, to avoid code infractions of too many layers, plus the practice of adding a layer of roofing over another layer will be a short lived roof.

With that in mind, this carrier simply needs to be informed that there is another layer and just add it to the claim.

If they put OSB over a layer of shingles, it makes me wonder if you don't have "space sheathing" under all of it (1x4's or 1x6 with gap between). Usually see that with wood shingles, not the asphalt layer you mention as first layer... but obviously they were covering up a problem, or taking a shortcut to finding a smooth nailing surface.   You may be buying them new sheathing if it isn't plywood or OSB under  all those old layers.

Odie is correct that you cannot assume every carrier and every policy will look at this the same way. Some carriers are deeply concerned about customer satisfaction. Others could care less, may point out that there is no coverage for building code upgrade, and allow for something less than perfect repair. If they had garbage to begin with, they can have garbage back, but new garbage.  For example, allow tear off down to clean layer of OSB and ignore the boneyard under it. 

You have to keep your eyes open - and avoid promising something without authority from the carrier...  or if you are the contractor (and I think you are) then it is a matter of trying to get an agreed scope of repair steps, then the agreed price for those repair steps.  If a portion of the job is not covered (code upgrade, etc.) then the homeowner will have to agree to pay the difference before you start the job.  And his deductible...

Edward,

If this claim is in Florida make sure they don't have an endorsement that covers 2nd layer. F&G has an endorsement that only paids $5 K if there is a 2nd layer of roof. Just food for thought. As, Odie states you go by the policy, region and etc....

Thank you for the reply.\

AllState has handled this claim poorly from the beginning.

The first adjuster went out and mismeasure by only coming up with about 40 % of the size of the house.

2nd adjuster was supposed to meet me there, but just showed up with no notification in advance.  That one did not remeasure anything and just told the HO that there was nothing he could do about it and it looked correct to him.

Finally, I was able to meet with a 3rd adjuster, who actually got on the roof with me and remeasured and found that I had the correct measurements.  I have left a brief message with him to contact me and requested he be available while we are in progress sometime in the next week.  I hope the same adjuster follows through and not get stuck with one of the originals, who did not examine the property initially.

Also, I will be requesting the building inspector to show up and advise accordingly.

Ed

Removed

I think most would agree with you on the removal of all additional layers and providing a nailable surface to install new shingles .  But I've never encountered a situation to R&R the entire spaced decking...just lay a solid decking over it, although there may be a spot repair required to the spaced decking.  If someone tried to convince me the entire spaced decking needed replacement due to brittleness, they could also try to argue that all the rafters needed replaced.  And that, in my opinion, could only be due to deterioration or dry/wet rot from a long-standing condition if multiple layers of roofing had existed prior to the loss.  This is speaking of course from the thought that the loss is due to wind or hail, and not fire.

Yep, I see that in my neighborhood all the time, when people get a re-roof.  I also see it when I'm up in attic's chasing down a roof leak, the old 1x4's and plywood on top.  I think it is an ethical repair.

I'm starting to wonder how one tree falling took out the roof on the house, and the detached garage... bonus points.

Bob,

ROFLMAO.  Yeah, I guess they have never been there before.

Tom,

No, I am a small sized licensed roofing contractor in Illinois.

Leland,

Thank you for the time and effort for a lengthy and detailed response.

Further description of existing estimated and actual scenario:

In case there is a need for clarification and the previous examples of scenarios were just used for examples, the scope is like this.

5/12 pitch walk on hip style house roof, about 15 squares. 

I and the 3rd adjuster lifted up the shingles to see the decking.  One layer of asphalt composition shngles.

Now, upon further review, that was only what was on top of an old roof hidden underneath the decking we saw..

There is an additional layer of asphalt composition shingles under the top 1/2" CDX sheathing, yet on top of the original CDX deck sheathing.  The second layer of plywood decking was nailed down tight enough to the original hidden decking, covered with the gutter apron drip edge flashing and painted, so the edges looked uniform upon initial inspection and estimate.

So, now instead of this being a 1 layer shingle roof removal and removal of the decking to repair the cracked rafters where a tree fell on the house, the scope of tear-off work has doubled.

There is no spaced board, aka, skip sheathing in place.  There is no underlying layer of cedar shingles in place.  There is only the deceptive and non-conforming double decking substrate with a layer of asphalt shingles sandwiched in between the 2 decking substrates and a layer of asphalt composition shingles on top of the top decking substrate.

It is absolutely essential to remove all of the decking and the additional layers of plywood and shingles to examine and replace the broken hip rafter, the broken or dislodged jack rafters and the main vertical rafters.

Thank you all for contributing thus far.

Ed

It was a very large, tall and wide tree which was felled by heavy winds in the NW Chicago Suburbs on or about 8-23-07.

It is a cheaply built tract home from the original post WW II era, circa early to mid 60's.

Affordable housing for returningt vets.  $ 100.00 downpayment and you owned a home.

Research; Leonard W. Besinger and Carpentersville, IL and you may find some interesting history.  First strip mall in the US, supposedly, also.

I will see if I can post some attachment photos.  Most contractor and inspector forum boards I actively participate in require a minimum number of posts before you can add attachments.

The broken rafters will only be from the detached garage, which is visible from underneath.

 Nope.  I need to resize them.  This board does not do it automatically.  Sorry.

Ed

Ed's Carpentersville Roof Estimate Job Photos of broken rafters from tree falling on home and detached garage.  I do not have any views of the house rafters yet, but you can see in the later photos how there is 2 layers of plywood decking with a layer of shingles sandwiched in between.

Ed

Edit Note: Links to images no longer valid. The domain\website that the links pointed to no longer exists so they have been removed with this edit. 

Joe,

Thanks...I do know that was just posting as sometimes we forget the policy. From the pictures Edward has sent in on his post..you know you are going to replace this roof and do what it takes to get the structure back before storm damages. 
Also, I believe this roof would come under Code upgrades to meet the building codes for Florida due to structure damages.

I just wanted to thank everyone for their replies so far.

Tomorrow morning, I will contact and meet with the building code official from the village and also recontact the adjuster both by his cell phone and his e-mail.

I will post the additional photos of the house structure when we are in the decking replacement mode and see how many rafters got cracked that need replacement too.

Thanks,

Ed