Roof wind damage insurance claim denied - Should this qualify?

Here is my opinion as an insurance adjuster. At first glance the damage doesn’t look that bad. However a good adjuster should do exactly as you did, a THOROUGH inspection. A thorough inspection would reveal the true state of this roof and the adjuster should have no problem buying the roof. You stated the the customer said they had an adjuster out and the keep denying their claim. This leads to some questions. How many prior claims on the roof are there? How many times were they out before? What did they find then? What is new damage? Who repaired the prior damage? Etc. The answers to these questions may determine what is and is not covered. Each claim covers a single event, so if the damage occurred over multiple events, then the carrier my not cover the entire roof. Most people that do not work in the insurance industry do not take the time to fully understand the policy they bought. So when some people have their claim denied, they always cry the big bad insurance company is stealing my money. While in some cases this may be true, the majority of denials are correct according to the policy provisions. In the end, I think you are going about the the correct and HONEST way by pointing out factual evidence that no one can disagree on. Keep doing what you’re doing, you are one of the few honest ones out there. 😎

Man, how in the world did you move around that like a mountain goat? I had to close my eyes.... lol

Been roofing40 yrs find very few roofers that have my knowledge and understanding you pass my test

Once a shingle loses its thermal seal I think it’s compromised and will continue to be a problem . I agree about Allstate your definitely not in good hands

Just spent a nice penny to have my roof stripped of 3 tab and upgraded. But man was it worth it! Huge difference!

This is great content!! I live in GA and it’s unbelievable how many companies eat deductibles. So glad that you mentioned that at the end of the video because most of those companies aren’t around anymore than a few years

I’m more impressed how you walk around that roof with ease. Damn

Great video! Indiana has some intense pitches. Boggles my mind why in snow climates metal valleys arent a bigger thing. Inflicting damage, I agree, IS the wrong way. Hope you can get preferred contractor status with a few insurance companies off this video. Insurance coverage can be GREAT money. I would try get a chance to walk roof with an inspector (USAA is best I've delt with so far) they'll start helping you on supplemental. Exactimate done properly can add as much as 40% on value of repairs in snow country. You're correct alot of states its illegal for H/O to keep insurance monies, however thats depending on state. I feel like if a company wants to play in insurance leagues ($420/sq+) you should already be in the high end roof/warranty/ventilation so you can maximize your money-for-time ratio. Wow, that was a ramble. Great video, let me know if you want a summer crew😂 az summers suck!

Insurance companies are notorious for denying homeowners claims especially for roof damage. After State Farm denied my roof damage and water damage claims, I dropped my house insurance, since I don’t have a mortgage, and I haven’t looked back since then. I’ve saved about $20k over the years.

Great video, I'm just now getting into roofing and this was an excellent and informative video

Should be covered, three slopes look like they need replaced, substantial damage because you have whole sections where the wind got up and under the shingles and started lifting whole sections, probably a lot of wind. Goal of insurance is to make you whole. So, here's the real question, would a roof have this type of damage if it were just sitting there? Without wind and weather? Nope, damage to this rood is obviously caused by weather and substantial weather.

Never been a homeowner but I love your channel I'm addicted.

I've been an adjuster for years. Wanted to point out a few things. First, I doubt they got denied on those previous claims. They probably had covered wind damages in the past but they didn't get above the deductible. Happens all the time where a customer said, "Y'all denied my claim last time". I look in the old claim . . . . Nope. You just didn't have enough damage to get above deductible. And them filing all those previous claims that were under deductible will hurt them. Insurance covers one time incidents. It doesn't cover cumulative damage. If I have photos of damage from before, on a different storm, I can't use that in consideration of total loss for this one. So they file a claim here, file a claim there, and there is now documentation showing not all this wind is from one storm. I see it on 3 tab mostly. People see missing shingles, then file a claim. Better to have a competent roofer look at it and see if it's worth filing first. Also, different states have different rules. In some states the whole brittle test or reparability doesn't matter. Direct physical damage is the only thing that counts. Honestly I avoid wind damage and go straight for hail. In my area it's really common and soooo much easier to pay for a roof that way. Also, if you're going to do insurance work make sure you sit down with a licensed adjuster and pick their brain. What are the standards in the area? How they do their estimates? Another very important thing to discuss is the law in regards to what you can and can't discuss. In my area contractors CANNOT discuss policy and what that policy covers. They can talk about things like "I have to install Ice and water on the perimeter to meet code" but can't try and argue "Well the customer's policy says they get overhead and profit". So they get shut down immediately if the words "You owe . . . " is mentioned to an adjuster. It can be a fine line sometimes.

Interlocking metal shingles are looking like a good choice for my home build after watching this.

Getting my first home soon. Hoping within the next 6 days. You mentioned "3 tab" being the worse. I can look up what 3 tab install is so I wont bother you with that but what is your opinion is a superior install? In case if its based on climate. Im moving into a home on Long Island, NY. Huge gusts arent common but we do get the occasional hurricane (though typically its cat 3 or lower when it gets this far north) and 7 to 14 days worth of total snow (in the past 3 to 5 years) Thanks for your time and showing this newbie things to look out for

I was researching the haag certification and they say that wind is missing or creased shingles while others think that lifted shingles are enough .. Once we settle that argument I think we'll have the answer .....

Thanks for assessment.

I was first a roofer (about 700 roofs), then an adjuster (9years) and now a contractor (8 years). First of all, you said that 3 tab shingles inherently have poor tar strips. That is a fact on older shingles. That being said if the shingles are not adhering as designed then a 30 mile an hour wind can flop the shingles repeatedly and cause creases as you pointed out. Secondly, no legitimate roofer should face nail any shingle. As you know, when you first install a shingle roof it takes time for the shingles to seal to one another. The sun needs to heat the roof to complete the seal. When I would repair a roof, I always added a little wet tar to expedite the seal process as it is usually weather dependent to get a proper seal. The roofer who face nailed the shingles voided any warranty. Most roofers do not follow through and help the homeowner get a warranty certificate from the manufacturer or advise the homeowners to keep their invoices to prove when the roof was bought and installed. If I were the roofer on this inspection, I would have first raised a warranty issue due to the shingles not holding a seal that obviously can lead to creases and subsequent shingle loss to even slight winds. Most roofers don't want to do that because it can be a fight with the manufacturer. So, what do they do? They claim wind damage and push insurance companies to pay for questionable claims. Its sad that most insurance companies do actually pay for claims that are not clear cut and that manufacturers get away with defective products. To prove my point, how many roofers do you know that have pursued a warranty claim and succeeded?

Hey man i love watching your videos! i just started my own small company and I am just starting to do insurance work. I've heard a lot about eating deductibles and in my state it is illegal. But... what have you heard as far as offering to pay the customer for lawn advertising to compensate for the deductible? I have yet to try it because i don't know the legalities and i would rather play it safe, but it seems like it would boost the closing rate and i've watched eric renos videos and he talks about offering to pay for lawn advertising to offset the deductible. It seems like it would be legal as long as you don't mention the advertisement being directly related to the deductible. Of course laws differ from state to state but i just wanted to know if you have heard of this and if you know if that is still insurance fraud. Also side note you hands down make the best content in the industry for people that are actually hands on in the business, youre by far my favorite youtuber, thanks for sharing all your amazing knowledge!

Great video, but I’ll be honest I don’t think this would warrant a replacement, I guarantee it would be repair “ less then the deductible”. Also some of the shingles that were broke loose but with no creases in my experience have not been counted as wind damage but rather bad install.