State Farm saying HO policy doesn't cover nailable surfaces

Roofing Business Talk
1

Working on a claim where state farm is paying for 2 layers comp shingle removal. But there is cedar shake below the 2 layers. I send them an estimate and they said the HO’s policy isn’t responsible for having a nailable surface. If they aren’t responsible for having a nailable surface why do they pay to tear off the exta layer?

2

First, that is ridiculous but many of them are being ridiculous right now. It is likely covered in the State Dept of Insurance Statutes. Most seem to have some statement regarding consequential damages along with the insurance company’s responsibility when this is involved. Most SF policies seem to include the Ordinance or Law Code Enforcement option. If so, this would be covered in this manner. There is a code item in chapter 9 of the Residential Building Code manual that states something to the effect there must be a nailable surface.

As usual, I also recommend getting the HO involved. You can tell them either they will pay for the nailable surface or SF will.

3

The Insurance often needs pics in the attic in order to pay for these items. I do Insurance estimates and supplement recovery for contractors. I would be more than happy to talk bout this claim and help you get it resolved.

Jason Sloan
720-224-1150

4

[quote=“TheNegotiator”]The Insurance often needs pics in the attic in order to pay for these items. I do Insurance estimates and supplement recovery for contractors. I would be more than happy to talk bout this claim and help you get it resolved.

Jason Sloan
720-224-1150[/quote]

Perhaps you should read the first post before you start shilling yourself dude. If they get in the attic, how will that help with what he just described? LOL

5

Apparently State Farm is having their “time of the month” where you’re at. Funny how it all comes and goes in cycles with them. Here is my fail safe strategy that works every time. Tear the roof off and call them the second you get down to the cedar. At that point, you hold all the cards because they can A) Approve it over the phone or 2) Pay you tarp fees plus O&P to button the job up and meet with another field adjuster. When the latter happens, I just sit back and chuckle while my pissed homeowner does all the work.

This is just another story that shows how our civil working-relationship with insurance companies is gradually failing.