Insurance claim on tree branch

Guys

I’m working with a customer who had a large tree branch fall on their roof. The area was tarped by someone else. The shingles are pretty old and in my opinion will be difficult to repair because of this. The tarp with all the nails make a small problem a much bigger problem. I met with the adjuster today from Farmers. I expressed my concern about the difficulty of making a repair due to the age of the shingles. He of course said his company no longer allows for a full replacement due to this circumstance. Any advice on how to handle this issue to push for a full replacement?

Thanks

I’m pretty sure the insurance is going to give the homeowner “what they had”. Meaning that even if they’d like to not pay for a full replacement they usually will when pushed in my experience because they HAD a matching roof. Even if you fix the affected area chances are the shingle colors will be radically different, ie you will see there was a patch… This is NOT what the insured had prior to the accident. The insurance should provide for more than just stopping water from infiltrating the house, it’s to recreate what the homeowner had immediately prior to the accident.

Of course this is all within reason. Obviously you’re going to have a hard time convincing them to pay for 20 squares of roofing when the repair could be done in threes shingles.

Tar

It’s about 2-3 square area now with the tarp nails damage.

A lot of times when they refuse the entire roof, you can get them to cover something less like a half roof or the side where the damage is etc.

And some of those times the home owner will pay for the rest and you still get the whole roof.

[quote=“LuckyChucky”]A lot of times when they refuse the entire roof, you can get them to cover something less like a half roof or the side where the damage is etc.

And some of those times the home owner will pay for the rest and you still get the whole roof.[/quote]

Agreed. With the customer deductible at $1600 however it won’t be a big help. The tarp goes over the ridge so actually both sides are affected. The customer did a good job of pushing nicely for a full replacement. I backed them up with the argument that a repair would not be prudent due to the age of the shingles and the cold weather conditions. Adjuster will be requesting second opinion from preferred vendor. I’m fairly sure they are going to make a case to just repair it. I’m not to interested in making the repair due to the age of the roof. I believe a repair will ultimately lead to a much larger area needing shingles due to shingles be damaged during the process.

[quote=“noserider1234”]

[quote=“LuckyChucky”]A lot of times when they refuse the entire roof, you can get them to cover something less like a half roof or the side where the damage is etc.

And some of those times the home owner will pay for the rest and you still get the whole roof.[/quote]

Agreed. With the customer deductible at $1600 however it won’t be a big help…[/quote]

Ive already had 2 adjusters try to put the wind/hail 1% deductible on the roof claims from fallen limbs. Both folks were residential customers from a few years ago and had their repair estimate from their ins co.

Both repairs magically fell under the 1% deductible they tried to insert in the summary. I mentioned that the deductible looked high. They called their adjuster and the mistake was corrected without dispute.

In each case, the difference was over $ 2000.

Your customer did check his/her paperwork to be sure the correct deductible was applied, right? :slight_smile:

[quote=“PeteW”]

Agreed. With the customer deductible at $1600 however it won’t be a big help…

Ive already had 2 adjusters try to put the wind/hail 1% deductible on the roof claims from fallen limbs. Both folks were residential customers from a few years ago and had their repair estimate from their ins co.

Both repairs magically fell under the 1% deductible they tried to insert in the summary. I mentioned that the deductible looked high. They called their adjuster and the mistake was corrected without dispute.

In each case, the difference was over $ 2000.

Your customer did check his/her paperwork to be sure the correct deductible was applied, right? :)[/quote]

LOL. You make an excellent point. The reason I find that amusing is because $1600 is the all other category. Their wind/hail deductible is $8000. We are experiencing some crazy deductibles here in the Houston area after Hurricane Ike. This is on a $200K house not located on the water.

What State are you in? Some states have adopted a matching policy, most don’t. If they haven’t, it is a grey area. If the Customer pushes hard enough and is tenacious, they’ll likely get what they want. Every Farmer’s Preferred Contractor I’ve seen is so far up the Adjuster’s behind, good luck getting any relief from that direction. They’ll do what they’re told in order to maintain their status. Why don’t you try to find another Reputable Contractor in your area to inspect the roof and provide their opinion, one that isn’t beholding to Farmers? If they happen to have an Inspector that has the “Haag Certified” Stamp of Approval, all the better. Use that to combat Farmer’s biased efforts with their Preferred Contractor.

I was a roof replacement contractor for over 15 years and naturally, I wanted the whole roof whenever I could get it but I’ve been a roof repair specialist for the last several years and now prefer the repair.

I’ve personally repaired over 150 roofs this year. Only one roof had to be replaced.
If the shingles will unstick from each other and “uninstall” without breaking or tearing, a proper repair can be done.

Concerning color matching, of course using the exact same brand and color is best if you can figure out what that is. Sometimes when the area to be repaired is only a few shingles and is highly visible from the ground, I “borrow” the shingles from a spot on the roof that can not be seen from the ground and replace those with the new ones. The trick with that is don’t use stained shingles on a clean spot or vice/versa.