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Lawyer who beats State Farm Insurance in Court! Chad Wilson 

Roofing Insights
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Insights:
00:48 - Chads Story
04:07 - What was your first year like - was insurance denying them?
05:52 - how many claims do you do a year?
06:53 - Are we close to a level playing field?
07:23 - Have you seen insurance companies change how they do business?
08:19 - How The Industry Changed
09:42 - Why did insurance companies stop paying?
10:18 - History of insurance
11:15 - Why are insurance companies different now?
12:40 - Would you say it’s over or under regulated?
14:30 - How did you beat State Farm in court?
17:35 - Tips on how to document everything.
19:35 - Whats tough about the area of Fort Worth?
23:15 - What was happening when It took 2 years for a case?
24:32 - Your insurance reflects you.
27:30 - Would you recommend the Contractor be present during inspection?
30:05 - Can you request legally to send a second adjuster?
33:55 - What happened next in the case - how do you estimate the damage?
33:54 - How much did it cost the insurance company in the end?
38:21 - What's your process when you get a new job? How do you get them?
39:50 - What cases do you try not to take?
40:40 - Do you deal a lot with pipe bursts?
43:19 - How do you prove that more work needs to be done?
45:30 - Where's the help? Why doesn't the government make insurance companies accountable?
47:35 - Who do you use for insurance
49:37 - What do you need to do when you’re going against a company like State Farm?
51:40 - What can a homeowner do?
53:50 - Do other insurance companies know if you got paid by another? Why wouldn’t a new company insure them if the other company said there was no damage?
56:05 - If you get a letter from insurance that they are dropping you should you get an attorney?
56:58 - How can contractors help homeowners?
57:53 - Do you recommend filming adjusters?
59:17 - How do you read your policy?
1:03:58 - What do we need to level the playing field?
1:07:50 - What situations are contractors not reasonable?
1:10:26 - What’s your take about what is happening in Florida?
1:14:10 - Why is there so much push against contractors?
1:15:51 - What would you say to a homeowner that doesn’t want to file a lawsuit?
1:18:11 - Give advice to homeowners who have hail damage and State Farm insurance?
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15 июл 2024

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Комментарии : 205   
@RoofingInsights3.0
@RoofingInsights3.0 2 года назад
Please comment questions for Chad and give it a thumbs up for his great work! More comments this video gets more people will see it! Thank you for helping us spreading good message!
@jamescarter2823
@jamescarter2823 2 года назад
How can I get you to re represent me with my claim
@bullmoosepiper7732
@bullmoosepiper7732 2 года назад
I just spent 6 months in a legal battle with them over my roof claim for obvious and well-documented wind damage. I've never in my life been through such a hassle, with such shady slimy people. It was a total disaster. They denied everything, multiple times. Over 300+ pictures taken, emails exchanged, multiple games played, goal posts moved, rules invented, policy ignored. I got an attorney involved. It took him months of back & forth to get them to finally admit they were in breach of contract. So they came off their wallets and paid for about half the roof replacement. It was a total joke. I took the money on pure principle. I am in the process of switching to USAA now. Not that I think USAA is going to be the Cadillac insurance policy, but it has to be better than the hell State farm put me through. I could write a book on my experience. Every homeowner needs to go watch Dmitry's interview and pay close attention to what John Houghtaling says about insurance companies.
@bro6568
@bro6568 Год назад
Thank you for this. I don’t own a home yet but I am learning all about the horror stories before getting into the dreaded home buying game.
@red1gem
@red1gem Год назад
My battle is just starting - same thing Hurricane IAN dropped a tree on our house and 1 car and they only want to "patch up the roof" and we had water coming in during the storm. They aren't paying the claim for the crane that was approved by them to remove the tree!!! I'm stymied. Don't know who to trust anymore. Paid them 34 years and never made a claim - been thru several hurricanes too.
@jasonisaac9614
@jasonisaac9614 2 года назад
Whenever a customer says they have State Farm my anxiety starts up cause I know it’s gonna be 2 months of hell
@RoofingInsights3.0
@RoofingInsights3.0 2 года назад
You are not lying 😂😂😂
@JoseCarranza-qk1fn
@JoseCarranza-qk1fn 2 года назад
I have a magnet 🧲 for State Farm lol, It’s wrong how they see how bad these roofs are and right for repairs.
@josm8063
@josm8063 2 года назад
Which insurance companies are the easiest to with with?
@alllivesmatter627
@alllivesmatter627 Год назад
I actually have had very good except experiences with State Farm. But I think travelers has been one of the easiest to deal with
@G7130
@G7130 Год назад
Yep and they’re a notoriously racist company. They appointed a black woman to a director position and pushed all intercity and urban claims to her to reject so the white managers didn’t appear racist.
@bigshane69
@bigshane69 2 года назад
I'm a public adjuster and former insurance restoration contractor. Years ago State Farm was a top 5 insurance carrier for the way thru handled the claims process, approving additional supplements, etc. Now I would easily put them in the bottom 5 on all counts. I've had more clients file suit against State Farm this year all whom have been loyal customers for 20, 25, 35, and 50+ years!! As someone who battled State Farm constantly, I have stories.
@RoofingInsights3.0
@RoofingInsights3.0 2 года назад
Very well done.
@teamtresequis
@teamtresequis 2 года назад
And we can't make this stuff up. SF claims handling is crazy and hard to believe.
@user-sx2ds4fv8p
@user-sx2ds4fv8p 2 месяца назад
any case files or docs I can use. They are screwing me badly. I do have attorneys involved. Its been insane. What their engineer wanted done, no contractors besides their sub contractor who has no choice would do the work. Then, mold started because of the delays and State Farm ignores it. Mold was reported from the mold remediation company they suggested. Not me ,but I mean its everywhere and obvious.
@WeFindSimpleSolutions
@WeFindSimpleSolutions Год назад
When our customers have StateFarm, we warn them in advance that the level of damage and or the non-repairability of the roof will not matter on the initial visit and that it’s going to be a multi step, multi month process but, as long as I see and know that the damage is legit, we will hang in with them and make it happen even if we need to bring in public adjusters and or attorneys.
@theroofingchannel
@theroofingchannel 2 года назад
Love this interview. Every time we get a new Insurance claim, the next questions is always, "Is it State Farm?" Sharing this around for sure!
@teamtresequis
@teamtresequis 2 года назад
I visited clients in Lake Charles today. The last on today's agenda was royally shafted by State Farm. First IA was great according the client... then he disappeared - never saw his estimate which was probably very inclusive and probably the reason State Farm got rid of him.
@wendyandmatthew8637
@wendyandmatthew8637 Год назад
Living in Chicago is reason enough to be depressed. Great interview 👍
@slicktype001
@slicktype001 2 года назад
A conversation such as this interview is ABSOLUTE GOLD. Thank you much for bringing this type of conversation to us contractors. There needs to be more and more of these types of communication on RU-vid as the more information out there, the better we as contractors can better prepare ourselves against Insurance companies.
@proofroofing7524
@proofroofing7524 2 года назад
Thankful for this and screenshots from FB groups to show my StateFarm customers that they are not alone...
@joshpinter5214
@joshpinter5214 2 года назад
Really good interview! It's almost like a mirror image of the Badger interview with a lot less ego!
@theta9051
@theta9051 2 года назад
Allstate should be up here !!!!!
@RoofingInsights3.0
@RoofingInsights3.0 2 года назад
You are not wrong, it’s coming
@kirstyafraser1
@kirstyafraser1 2 года назад
Thank you for helping us protect our homes by educating us on our options and being there for the consumer.
@RoofingInsights3.0
@RoofingInsights3.0 2 года назад
Thank you for your support as well! Wouldn’t be here without our mazixommunity
@bigrob3387
@bigrob3387 2 года назад
Amazing interview and your questions were spot on. I run a roofing company and my boss is an attorney and have seen these legal disputes first hand. This segment was such a great informative narrative and enjoyed it very much. Keep up the good work!
@RoofingInsights3.0
@RoofingInsights3.0 2 года назад
Thanks for sharing! Where are you out of?
@bigrob3387
@bigrob3387 2 года назад
@@RoofingInsights3.0 Nebraska
@teamtresequis
@teamtresequis 2 года назад
Thanks!
@excelfields9659
@excelfields9659 2 года назад
State Farm cheats the Homeowner almost each and every claim nowadays! It's criminal what they're able to get away with! Buyer Beware!
@RoofingInsights3.0
@RoofingInsights3.0 2 года назад
Thank you! Please share for awareness!!!
@marnasletten3988
@marnasletten3988 Год назад
I think I'm going to switch companies. Do you know an insurance company that is good?
@kevinbanbury672
@kevinbanbury672 2 года назад
Very informative! Chad shed light on a lot of issues within the insurance companies. Thoroughly enjoyed this topic/video.
@teamtresequis
@teamtresequis 2 года назад
Thanks Kevin, I appreciate the feedback.
@arnoldsaraj
@arnoldsaraj 2 года назад
​@@teamtresequis how can I contact you?
@thomasnewkirk2750
@thomasnewkirk2750 2 года назад
When they, the homeowner, says they have state farm or allstate I look at the roof differently.
@Texas_Roofer_01
@Texas_Roofer_01 2 года назад
Great interview! I love all of your content Dmitry!
@joeboydjr.8694
@joeboydjr.8694 2 года назад
Was just approached last week by a PA asking for all of our companies state farm denials. They are turning these over to a large law firm to form a patterning and practice case on denial from SF. We set up a process our company follows specifically to handle state farm denial claims. We have had good success getting a straight denial turned into full replacement, but it shouldn’t have to be such a fight. It would be so easy to set up a website to collect all the state farm denials across the country from contractors and homeowners. The way we document our files it blatantly obvious real damage was purposely overlooked and denied. It’s time someone takes Goliath down!
@RoofingInsights3.0
@RoofingInsights3.0 2 года назад
Thank you so much for this!! Keep us posted and reach out if you want us to cover your stories!!!
@teamtresequis
@teamtresequis 2 года назад
As long as it is a firm with some 1st party experience!
@arnoldsaraj
@arnoldsaraj 2 года назад
​@@RoofingInsights3.0 how can i contact you?
@RoofingInsights3.0
@RoofingInsights3.0 2 года назад
@@arnoldsaraj 612-558-4881, text me
@arnoldsaraj
@arnoldsaraj 2 года назад
@@RoofingInsights3.0 hey, Dmitry-i sent you a text. Can you guys represent me. This is just spiraling downhill....
@BillReid82
@BillReid82 2 года назад
Thank you for sharing this.
@SuddenImpact53
@SuddenImpact53 2 года назад
I am with Farmers in Nevada . We suffered wind damage . I put in claim , adjuster came out & we already have our ACV check. Looking forward to getting our new roof!
@jensilver-theroofingmom6100
@jensilver-theroofingmom6100 2 года назад
Interesting stuff… thanks for another great video
@RoofingInsights3.0
@RoofingInsights3.0 2 года назад
Insights: 00:48 - Chads Story 04:07 - What was your first year like - was insurance denying them? 05:52 - how many claims do you do a year? 06:53 - Are we close to a level playing field? 07:23 - Have you seen insurance companies change how they do business? 08:19 - How The Industry Changed 09:42 - Why did insurance companies stop paying? 10:18 - History of insurance 11:15 - Why are insurance companies different now? 12:40 - Would you say it’s over or under regulated? 14:30 - How did you beat State Farm in court? 17:35 - Tips on how to document everything. 19:35 - Whats tough about the area of Fort Worth? 23:15 - What was happening when It took 2 years for a case? 24:32 - Your insurance reflects you. 27:30 - Would you recommend the Contractor be present during inspection? 30:05 - Can you request legally to send a second adjuster? 33:55 - What happened next in the case - how do you estimate the damage? 33:54 - How much did it cost the insurance company in the end? 38:21 - What's your process when you get a new job? How do you get them? 39:50 - What cases do you try not to take? 40:40 - Do you deal a lot with pipe bursts? 43:19 - How do you prove that more work needs to be done? 45:30 - Where's the help? Why doesn't the government make insurance companies accountable? 47:35 - Who do you use for insurance 49:37 - What do you need to do when you’re going against a company like State Farm? 51:40 - What can a homeowner do? 53:50 - Do other insurance companies know if you got paid by another? Why wouldn’t a new company insure them if the other company said there was no damage? 56:05 - If you get a letter from insurance that they are dropping you should you get an attorney? 56:58 - How can contractors help homeowners? 57:53 - Do you recommend filming adjusters? 59:17 - How do you read your policy? 1:03:58 - What do we need to level the playing field? 1:07:50 - What situations are contractors not reasonable? 1:10:26 - What’s your take about what is happening in Florida? 1:14:10 - Why is there so much push against contractors? 1:15:51 - What would you say to a homeowner that doesn’t want to file a lawsuit?
@jimthompson9929
@jimthompson9929 2 года назад
Thanks Chad. And Dmitry.
@stevenevangelist5221
@stevenevangelist5221 Год назад
Excellent information. TYVM
@wecareroofingservice1230
@wecareroofingservice1230 2 года назад
We were just talking about this not too long ago. This video is spot on as far as the struggle our customers who have State Farm or Allstate insurance for their homeowners plans go through. Those particular companies are the worst! We call them NoState because they almost never pay out a full roof replacement claim.
@cassbenner9420
@cassbenner9420 2 года назад
Great interview!
@jeff0247598
@jeff0247598 Год назад
It's probably a dream but I would love to see a big insurance company held CRIMINALLY liable and individuals involved in decision making within said insurance company convicted and sentenced.
@drahunter213
@drahunter213 Год назад
In an honest and sane world maybe…but it’s America so that’s a no lol
@colemcclain7319
@colemcclain7319 Год назад
Thank you for the invaluable information
@stacielang2416
@stacielang2416 2 года назад
Thanks for sharing!
@RoofingInsights3.0
@RoofingInsights3.0 2 года назад
Thanks for watching!
@roofsalesmastery
@roofsalesmastery 2 года назад
Great interview full of value 👏🏼
@RoofingInsights3.0
@RoofingInsights3.0 2 года назад
Thanks Becca!
@andycrighto3740
@andycrighto3740 2 года назад
This is very informative
@wesmiller4693
@wesmiller4693 2 года назад
I'm almost to the point that I don't do business with Statefarm. Last week alone they blew off 2 appointments. They play too much
@RoofingInsights3.0
@RoofingInsights3.0 2 года назад
They struggle is real!
@teamtresequis
@teamtresequis 2 года назад
I understand... but you know if you decide to not do the State Farm claims, that is a win for State Farm. Just try to look at it for what it is and please don't give up on those fights!
@dougstreeservice2806
@dougstreeservice2806 3 месяца назад
Outstanding, knowledge is power great program
@johnanderson3700
@johnanderson3700 3 месяца назад
This has been very informative
@garenarmstrong2058
@garenarmstrong2058 2 года назад
Great interview 💯
@RoofingInsights3.0
@RoofingInsights3.0 2 года назад
Thanks Gare !
@Nine6all
@Nine6all Год назад
What he said about the no name insurance companies is true! Never had an issue with the smaller insurance companies. Doesn't mean you'll never have any issues, but way less likely too. They insure less people so they pay less claims which means they're way more likely to pay your claim fairly.
@JohnMcleanOIL
@JohnMcleanOIL 2 года назад
Fantastic content
@teamtresequis
@teamtresequis 2 года назад
Thank you Mr. McLean.
@DroneRoofing
@DroneRoofing Год назад
I have great experiences with State Farm here in South Carolina. If it’s damaged they buy it and getting supplements approved is easy too. Allstate on the other hand….
@GoCoyote
@GoCoyote Год назад
Triple damages and lawyers fees paid would make a good incentive for insurance companies to play fair.
@amitaf2
@amitaf2 2 года назад
I have been a loyal customer of statefarm for the past 15 years but they last year i had used them and they deny everything. The worst of the worst. I feel like I got scammed. This insurance is not cheap, so I reported them to the insurance california consumer complaint. I know they can not do as much but I want everyone to know this company is scaming its customers.
@bigkidzshow4071
@bigkidzshow4071 Год назад
I've been dealing with insurance strange for over 15 years and past 2 years state farm is by far AND I MEAN BY FAR THE WORST INSURANCE to have for your home.....most homeowners don't sue.....what I suggest build a relationship with a lawyer and SUE SUE SUE because state farm has put their customers very last, they always raise ur rates and also make u feel as if your the bad person when u need them especially customers that have been qirh them for over 30+ years
@stewartconceptsinc.5673
@stewartconceptsinc.5673 2 года назад
Solid video
@soulfireonfire6423
@soulfireonfire6423 Год назад
State Farm’s biggest game and goal is the three D’s! Deny Delay Defend What there mission is, wearing you out before the defend, or even when it gets to the defend. Delaying it when it gets to the defend part , anyway they can! In hopes you just walk away! Or give into a settlement that’s better then what they low balled you on or is. Closer to what you wanted. But the true goal is to wear you out mentally which will then effect you physically ! To where you may decide is this worth my health? What people really need to start doing is going to the watch dogs on news channels when these big insurers blatantly deny claims. Get info from others around your neighborhood who also have the same insurance company. Say like after a storm, hail, tornado etc. To see if there is a calculated system or pattern going on!!! Get it all together, call them out to the public on a media platform! Put a sign outside your house that reads who ever won’t pay my claim!!! This type of outright corruption has been going on for longer then people realize. Do your research on the history of insurance and the government and banks!!!!!
@Aj_813
@Aj_813 Год назад
if you live in FL you know clearly the results of lawyers like this!
@geomarketingconsultant1711
@geomarketingconsultant1711 2 года назад
Great video
@strongroofing
@strongroofing 2 года назад
This guy scaled his business quite quickly!!
@teamtresequis
@teamtresequis 2 года назад
Quickly yes... carefully yes too. We always made sure we could manage increased workload proactively.
@strongroofing
@strongroofing 2 года назад
@@teamtresequis ‘twas a compliment! 🤙
@RoofingInsights3.0
@RoofingInsights3.0 2 года назад
Yes he did!
@charlescantu7548
@charlescantu7548 Год назад
Thank god I live in Houston!
@jordankupsh4763
@jordankupsh4763 2 года назад
Great video! 👍🏼
@RoofingInsights3.0
@RoofingInsights3.0 2 года назад
Glad you enjoyed it
@teamtresequis
@teamtresequis 2 года назад
Thanks Jordan
@proofroofing7524
@proofroofing7524 2 года назад
Im gonna start meticulously tracking my time and supplement for Management hours (time taken on follow up and emails to get claims approved) once they approve the desired work scope. hit them with 10k in management fees on a 10k roof... lol
@TheRestorationContractor
@TheRestorationContractor 2 года назад
This is excellent content! Which carrier would you say is your favorite (easiest to get paid)?
@teamtresequis
@teamtresequis 2 года назад
The smaller players give us fewer headaches for sure; the carriers with national TV commercials are 95% of my docket
@Monty87LS
@Monty87LS 2 года назад
Been dealing with them since April. Paid my claim at first small amount then when it became a bigger claim they denied it. Ended up paying me more but denied. I appealed it and filed complaint with state insurance regulators. Now they want estimates and gonna see what happens
@sicklytwiztd1152
@sicklytwiztd1152 Год назад
Currently . Crawling through a bottomless hole State Farm has me in. Including now. Multiple ticketing due to insurance monitoring. All of it is outta my hands but the LITERAL BAD FAITH OF THIS local insurance lady representing State Farm has undeniably targeted me conjuring up working classification status for one. < didn't know thst was a thing til I rabbit holed this mess. Two. Was never paid a single cent on wreck. 3. NEVER declared a total loss through their claim adjustment In turn. State of VA. Stupid unauthorized " insurance monitoring " and its supposed flawless system has me flagged as uninsured . This was 6 months AFTER the wreck. Car was a total loss for sure. Stopped both lanes of interstate traffic and hit a bridge. Anyway. As long as it has been. In the midst of dmv and their idiocy with making " appointments " during their strung out version of Ol/vid...leaving me to slip into some grey mattered digital abyss that not the previous and lovely agent has addressed. Might I add, her years in the insurance business CLEARLY shows she knew/ KNOWS exactly what she's doing. She will not call me, contact me or communicate with me directly . She continues to " leave msgs through State Farm reps ". I've called the customer service number and several hours in to each phone call, I get shoveled around from specialist to specialist....whatever. It IS always something. Then. Let's also throw in the multiple tickets I'm battling in court BC of all of this. And yes. License suspension so I cannot even be accepted for any insurance as of right now.
@lolathompson8980
@lolathompson8980 2 года назад
I wish I could have had this lawyer when they would not pay for my roof they got a way with I couldn't afford a lawyer I tell everyone stay away from state farm
@joshuah8
@joshuah8 2 года назад
I’m also interested in Dimitri’s and the lawyer’s training on hail identification.
@53Kirill
@53Kirill 2 года назад
As I watch this video I get a state farm ad
@RoofingInsights3.0
@RoofingInsights3.0 2 года назад
You don’t have RU-vid premium??? WTF
@53Kirill
@53Kirill 2 года назад
@@RoofingInsights3.0 lol it’s complicated
@toploadtele
@toploadtele Год назад
The database for claims shared by various insurance companies is called a CLUE report.
@deenabrown5463
@deenabrown5463 Год назад
I have been with State Farm over 30 years. I just had an adjuster come to my house for multiple things going wrong. First our outside balcony in leaking it is topped with a roofing product called TPO. It has holes in cracks and water has come through the dry wall under the patio. Water has come through our door and we have water damage inside too. We also have hail damage to our roof. My roofer provided 88 pictures of the damage. This adjuster had an agenda to turn everything down. He never bent down and looked at the floor of the balcony. Only stepped inside to take a couple pictures. While he was outside he pointed out my cargo trailer has hail damage but tells me we aren't covering anything you have no hail damage on your roof. I said sorry I disagree with you I have had 4 roofers here and all said I have significant damage to my roof. I said I will contact my attorney. He also said with the balcony we did not maintain it. Oh and by the way I have always had a $1000 deductible. When I moved back to Arizona no one ever told me my deductible changed. My deductible is 1% of the value of my home. So my deductible is almost $6000!
@joycelynngrigson9700
@joycelynngrigson9700 Год назад
I was suggested by my State Farm Agent which contractor to use ‘ who is like an adjuster’ who happens to be his close friend and I’m now out of $50,000 paid to contractor for jobs that were done by immigrants learning how to mail Sheetrock on the ceiling etc. I’ve worked with Habitat for many years and Carpenter Hands also and did a lot of the work myself with friends helping me on some things. Our tools ending up missing and the work got worse and worse with not showing to work but maybe 1 person for 20-30 minutes a week. So work was ended though not even close to being finished. I’m 75 yrs old not unable but have lost sleep and health this last yrs of this horrid experience of indignities and destructive, threatening and harmful situations. I took many pictures and have friends that helped me and said I should sue. I’m a Christian and have been with State Farm since 1968 when I bought my first car. My parents had SF too. A good close friend in Houston was a GOOD Honest State Farm agent.
@joeltowner578
@joeltowner578 2 года назад
Who else is getting State Farm ads on this video?😂
@RoofingInsights3.0
@RoofingInsights3.0 2 года назад
Thats the best part of all of it!!!
@paulgarcia4473
@paulgarcia4473 2 года назад
Would you recommend using a go pro camera on inspections with those difficult carriers?
@melainkinney7213
@melainkinney7213 2 года назад
i had 1 state farm claim that i ever acted on with state farm yet but because i inquired about possible damage 2 times before they acted like they were prior claims cost them zero I never filed a claim in 22 yrs ever for my house with state farm . 1 they fought my claim with me not in court to my fortune the general contractor new my old policy covered 100 % he recorded there conversation they admitted i was covered of my damage to my roof from a tree falling on my home they were only trying to pay for 6 ft by 30 ft wide and the siding which cost them zero as i had enough old siding fixed it myself .but my general contractor saved me from suing them they paid the claim then of course renewal time they dropped me they offered to take me back if i did not file a claim in next three years and at a percentage of any damage in future claims i always recommend folk never choose them they have been excellent with my car claims but my first ever state farm claim was a nightmare
@richards5843
@richards5843 Год назад
I live is St.Louis where we have American Water as our water utility. Back in 2018 a water main broke and the water pressure broke the sewer line causing water to flood my basement. American Water has Travelers Insurance and they says it is not American Waters fault. Well the Insurance Company and American Water is the only one who can say is at fault and it always not their fault . The sad thing is it happen again in July 2022 and the same story is not their fault. The first time forty homes were damage the second time over twelve homes damage. Travelers would send in cleaning crews to clean up but would not pay for Damages . You would think if they would pay for the clean up that would be admitting they were at fault for damages... Great Video!
@KathrynCLang
@KathrynCLang Год назад
WHY WHY WHY isn't this coming to light? Most people have no clue!
@uglyroofllc
@uglyroofllc 2 года назад
There seems to be a trend in the industry that follows this interview.
@mariocapmany9550
@mariocapmany9550 Год назад
How does a Cat (independent) adjuster that is paid via a fee schedule profit by cheating the policy holder?
@tihishajones2767
@tihishajones2767 Год назад
Good question?
@chestrockwell8328
@chestrockwell8328 2 года назад
Dmitry, Auto claims are vastly under paid as well. Having settled approx 20,000 claims, conservatively. The worse headaches are with the same companies as with Home Owners policies. I literally laughed out loud when Chad Wilson suggested "don't use any with a national ad campaign" I've said the same for years. People have no idea their insurance agent is NOT employed by the insurance company and therefore has zero influence on helping during a claim...with very rare exceptions; agents with a large book of business, have been an agent for a long time, has a client with multiple big policies and knows someone directly in claims management might be able to help.
@soulfireonfire6423
@soulfireonfire6423 Год назад
Regarding State Fsrm at one time Agents had a lot pull. Of course the ones who insure wealthy customers that have large policies get special treatment! But not any longer!!! Agents have little if any ! So why have an agent!
@JustShawnie
@JustShawnie Год назад
He needs to go back to Nigeria and apologize for what he has done and then help to fix the big problem he caused with his contracts and Exxon’s $4.5 billion dollar grand in stealing and polluting plus devastating the waters of Nigeria and provinces where people can’t even live there anymore or drink the water because it is so polluted on the coastal line flowing into the rivers. This man is partly responsible for destroying Nigeria coastal line and he should work to fix it.
@darylsmith9318
@darylsmith9318 Год назад
One thing to note is that the individual adjuster often has no settlement authority. They are told what to do by their manager, or managers 3 or 4 levels up depending on the claim size and really have no say.
@soulfireonfire6423
@soulfireonfire6423 Год назад
Well they may not have the last word, but people choose what they want yo be silent on! Claim representatives do have the authority to pagnout on claims without any interaction with their immediate and other levels of management! But you are correct whe you say depending on the amount! Not in the sense of needing approval because it’s over a certain amount . But most definitely because it’s hit that level of monetary value in payout that can start to have an impact on the bottom line concerning pay in and pay out! But that the only reason when it hits that mark it goes to a mgr. Weird how it’s so similar to the FIFTY. yr old mark in midlife crises right!
@TyLee117
@TyLee117 2 года назад
He’s a very smart guy.
@RoofingInsights3.0
@RoofingInsights3.0 2 года назад
Yes he is!
@maestrozilla
@maestrozilla Год назад
Are insurance companies to be used to maintain your properties? lets say building materials deterioriate and cause a leak...in roofing situation or concrete slab in a parking lot, etc. Is the bill for the property owner because there comes a time to redo things or the insurance company because there was a failure of protection of property? Thanks for informing us
@eyesonamerica2382
@eyesonamerica2382 2 года назад
Hi my daughter had an accident i had cash in the glove box. state farm said not covered, is that true? and my car lost value because of the accident do they have to handle that or do i loose value? thanx mark
@drahunter213
@drahunter213 Год назад
A hero of hero’s Statefarm needs to be dismantled…such a bad company and it’s unbelievable they are even still a thing with how they treat people and their customers
@imwatchingbitch
@imwatchingbitch 5 месяцев назад
Thank you so much for this video pure gold like someone else said.😊
@obcane3072
@obcane3072 Год назад
Had a wind damage claim that got denied by Chubbs. They sent GC and then forensic architect and engineer. All 3 said the roof was in good condition. After hurricane hit, PA made a claim and they sent an adjustor that said damages were normal wear and tear (torn shingles ious areas of roof).So they initially denied the claim.we figured that they were being honest in their assessment and thus believed them. Sent the PA reviewed the report that was given to us 18 months prior and read it to adjustor. Said we are ready to go to court. They paid out in full. Chubbs will deny claims to any extent regardless
@beautifulyou2
@beautifulyou2 5 месяцев назад
Can you talk more on Amendatory and also why does State Farm refused to turn over BOP CGL policy language/ terminology/break down of coverages?
@beautifulyou2
@beautifulyou2 5 месяцев назад
Also is that legal for SF to refuse giving over that to the person who filed claim against SF but is not the insured person of SF
@jamescarter2823
@jamescarter2823 2 года назад
Do you have a firm to represent customers that have had the exact problem
@bigkidzshow4071
@bigkidzshow4071 Год назад
I also dealt with a 85 year old last year when that naperville,IL tornado hit and I dealt with state farm when the tornado went over her house n they tried repairing over 300 Shingles my comoany fought until we got a lawyer for 3 months and they finally paid and it was winter by then state farm is by far the most Pathetic I've ever seen
@realresident1890
@realresident1890 11 месяцев назад
The GOAT
@robertdeffenbaugh9004
@robertdeffenbaugh9004 2 года назад
State Farm is literally my neighbor.
@joshuah8
@joshuah8 2 года назад
Good conversation, but where is the insurance company perspective in this? I’d like to hear from all sides.
@RoofingInsights3.0
@RoofingInsights3.0 2 года назад
Insurance perspective: “we wish people will not find this video”
@Aj_813
@Aj_813 Год назад
I have been in this industry for a long time on both sides. The fundental issue is. The materials of a home deteriorate over time and just because a storm comes and causes some damage that does not mean the entire cost of repair is to be paid by your policy. You have a roof that is 25 years old to being with your policy is to put you back where you were prior to the storm which would be with a 25 year old roof.
@dereksdiatribe
@dereksdiatribe 8 месяцев назад
If your insurer does nationwide advertising- steer clear.
@emiliosilva3873
@emiliosilva3873 2 года назад
Got a state farm ad lol
@user-kp1xc4cu3r
@user-kp1xc4cu3r Год назад
My insurance co. claims they overpaid me for my home repairs even though they approved my contractor estimate. Can they force me to pay money back to them?
@mpbmpb210
@mpbmpb210 2 года назад
UPC is one of the worst in Florida.
@johnanderson3700
@johnanderson3700 3 месяца назад
It’s also difficult to find attorneys who will really help when you need help with a case. I’m struggling with finding a lawyer to help me sue my insurance company for bad faith; the legal system tends to really protect insurance companies even when they act in good faith. Lawyers aren’t interested in helping the insured unless there is a massive profit in it for them. Where do we find a real advocate when insurer has acted in bad faith?
@patriciaosborne8940
@patriciaosborne8940 2 года назад
Can you help with claim in North Carolina?
@alllivesmatter627
@alllivesmatter627 Год назад
I’ve been a contractor for over 20 years. When making the first payment you do anywhere from 10% to 1/3 max. On a typical roof you do a third up front and third when the materials are on the ground and a final payment with the roof is done and everything is satisfied
@johnm3435
@johnm3435 Год назад
I tell everyone I come across to never do work with a contractor if they need ANY money before getting materials. Once materials are invoiced and delivered is when the first payment should be done. As a roofer I’ve seen so many homeowners pay roofers that first 1/3 before materials and then that roofer never answers their call again.
@johnanderson3700
@johnanderson3700 3 месяца назад
Allstate is really bad about this too. One of the problems is that you don’t know at the beginning of a case how much detail you will need because you don’t know insurance company is going to pull the rug out from under you. My basic stance now is; don’t believe anything an insurance or agency tells you about coverage. They’ll all stab you in the back.
@johnanderson3700
@johnanderson3700 3 месяца назад
The other issue is; why is it so difficult to find lawyers who are willing to take cases? I’m struggling with finding representation now; even when they feel I have a case; why is it so hard to find a lawyer who will take your case?
@wilson2455
@wilson2455 7 месяцев назад
cost of repairs = $15K, cost of litigation = $100K
@tihishajones2767
@tihishajones2767 Год назад
I live in Tennessee and am having a issue with my homeowners insurance Berkshire Hathaway GUARD. I have threatened them with a attorney and they have decided to send an adjuster out. Should I continue with my attorney idea or see what offer they make me first?
@chrismaki5456
@chrismaki5456 18 дней назад
How did it end up for you?
@mattsandquist7786
@mattsandquist7786 Год назад
What should a homeowner do when SF insists on getting an estimate prior to coming out?
@johnm3435
@johnm3435 Год назад
Have an attorney send them a letter to come do their job which is inspect and write up an initial estimate
@johnanderson3700
@johnanderson3700 3 месяца назад
Why aren’t state legislators taking notice of this and holding the insurance companies to the fire.
@getinthecar3624
@getinthecar3624 2 года назад
That's to bad insurance companies don't have anyone with basic math skills. We're just paying for attorneys, which I'm sure is cheaper than paying the homeowner(eye roll).
@user-sx2ds4fv8p
@user-sx2ds4fv8p 2 месяца назад
Any case files or docs I can use. Colorado case. Roof collapsed when roofer was working on it. They are screwing me badly. I do have attorneys involved. Its been insane. What their engineer wanted done, no contractors besides their sub contractor who has no choice would do the work. Then, mold started because of the delays and State Farm ignores it. Mold was reported from the mold remediation company they suggested. Not me ,but I mean its everywhere and obvious.
@geomarketingconsultant1711
@geomarketingconsultant1711 2 года назад
Dmitry it is decision not decesion 22:20
@stormrenu3873
@stormrenu3873 2 года назад
Funny how State Farm and Liberty posted adds during this vid - LOL
@RoofingInsights3.0
@RoofingInsights3.0 2 года назад
Because we monetized on purpose: with their name on it. State Farm is pretty much paying us for this video 🤯
@johnpierce4778
@johnpierce4778 2 года назад
@@RoofingInsights3.0 how ironic lol
@teamtresequis
@teamtresequis 2 года назад
Thanks Jake................ from State Farm.
@johnm3435
@johnm3435 Год назад
3/4 PAs don’t know what they’re doing. They copy and paste or use macros and Triple up on the same line items, add items that literally aren’t covered under the policy, add O&P to everything even invoices for jobs already completed, and never even worked around roofs until becoming a PA. Some adjusters are the same. But being a roofer and now an IA I’ve seen more bad public adjusters than any other profession in this industry. Contractors and GCs are usually so much better at their jobs.
@drahunter213
@drahunter213 Год назад
Roofers should start recording the adjustment and inspectors from state farm while on the roof..if they say no then get the owner of the home to go up there lol..just to have proof of how crazy they are and the video evidence will shoot up a thousand fold and make headlines of rampant state farm shenanigans and hopefully state farm and it’s management will get dismantled and legal action takes places on the higher ups making those dumb decisions…they are supposed to help but it’s completely backwards and they do more harm then good from their inaction…I will even bet embezzlement of some sort is taking place in state farm and all that insure money is going into pockets making people millionaires or billionaires… I really hope it happens and those evil scumbags go to prison lol
@ericpilipchuk9482
@ericpilipchuk9482 2 года назад
👍
@bigmoneydigs3043
@bigmoneydigs3043 2 года назад
It's not the insurance companies money, it's the insureds money
@johnm3435
@johnm3435 Год назад
Like when you pay your car payment it’s not the banks money but your money right?
@bigmoneydigs3043
@bigmoneydigs3043 Год назад
Incorrect. The bank lends you their money up front. Insurance takes your money up front.
@vlad28079
@vlad28079 2 года назад
as a roofer can I hire a in-house lawyer and sue on homeowners behalf in North Carolina?
@RoofingInsights3.0
@RoofingInsights3.0 2 года назад
Pretty sure home owner must hire lawyer because you don’t have contract with insurance
@vlad28079
@vlad28079 2 года назад
@@RoofingInsights3.0 I understand what you’re saying but can the homeowner higher my lawyer that works for me in my roofing company
@RoofingInsights3.0
@RoofingInsights3.0 2 года назад
@@vlad28079 absolutely, why not!
@teamtresequis
@teamtresequis 2 года назад
Not sure in N.C. has AOB.
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