1) For everyone complaining about insurance, why don't you go ahead and cancel all your policies and go through life without insurance. If you feel like you're wasting your premiums, then put your money where your mouth is and just go without insurance. 2) Letting your roof get that old is like going 40,000 miles without changing your engine oil. Take care of your stuff for crying out loud. Not that it's right, but no wonder that adjuster isn't interested in paying the loss. It's an insult to all the policyholders who do take care of their homes. That roof was highly susceptible to wind damage because the homeowner was too cheap and irresponsible to replace their own roof 5 years earlier when they actually should have. It's like hoping a rusted out boat will keep you afloat. 3) Contractors, watch out about talking coverage. Could get in trouble if you're not a PA in most states. 4) Adjuster, get off that roof and let the homeowner know you'll come back when the contractor puts away the camera. That's not professional of the contractor, trying to intimidate and threaten legal action without the carrier having even taken an official position in writing yet. 5) 100% that contractor has a criminal record lol. 100% the adjuster does not. 6) State Farm messed up before the loss even happened. That should have been ACV only. Or State Farm should have dropped them earlier. By the time the claim happened it was too late. The adjuster should have just replaced the roof and closed the file.
If they are going to insure the property, including the roof, sight unseen and collect premiums, then they have to pay the claim. If the roof cant be repaired, then it should be replaced so the homeowner can enjoy their home in the pre-loss condition. Send an inspector out before issuing the policy if you dont like it.
@@chainsawenema4042 great point I have wondered thar for years agents often change the age and type of shingle to get the premium lower to sell it as well. You can easily send out ladder assist and document the roof for cheap. Or just ACV the entire roof for wind and hail which is probably what will happen or an outright exclusion.
@@chainsawenema4042 inspectors don’t know what they are looking at. They need to send a roofer. I did a inspection report repair last year. Said to reseal shingles that were loose in one corner. The house was spaced 1x’s and the nails were not hitting wood was the issue there. Shingles were very poorly sealed all over(tamco, could just unseal them with your fingers), good amount of granular loss. Could stick your arm up the valley because it wasn’t sealed. Not only did that house need a new roof, it needed a redeck during covid prices. Wonder if that info would hold up any sales or potential new policy holders.
Contractors, Lawyers and Public adjusters we recommend: directorii.com Dmitry Lipinskiy contact: dmitrylipinskiy.com Dmitry's Online school for Roofers: roofing-school.com
Because you bought a 35 year roof . So in 15 years. The shingles are sealed. And you will damage them. If you try and lift the tabs without heating the shingle. Stop playing dumb. Or maybe you're not playing. 30 year shingles. Anything less go to the manufacturer of the shingle. But all roofers know the manufacturer. Have the best lawyers. You fake roofers . Give the roofing industry a bad name.
Repairable every day of the week. Has anyone thought about this contributing to the problem with the industry. Why do you think insurance companies keep squeezing the roofer. It's partially because of these two or three shingle claims that the roof needs to be replaced. Do the right thing? The right thing is repair what is repairable. Build your brand and gain a client wether it's a repair or replace. Take the carriers away and we don't have a business so why not do what's right
Don’t forget there are a lot of Contractors tearing up roofs by creasing and bending shingles to make them look like wind. These are the real bad guys that make the insurance companies stingy and cautious. Just one individual crooked contractor can do over one million dollars of fraudulent damage. Some of these roofing companies have 5-10 salesman each knocking on doors everyday climbing roofs and creating damage.
Jeff seems like the bad guy here but I worked for State Farm for years when it comes to a 2nd inspection for repairability the decision is made by management before it is even assigned to the adjuster, so Jeff was told to go to the home and explain that the roof is repairable before even laying eyes on it. It is nearly impossible to get management to change their mind 99% of the time they will not. He knows it is not repairable but can not go against management or they will pull claims from him and adjusters are paid by the claim so they basically take money from you for questioning them. Also you will be fired if you attempt to show how to repair.
Vandalism? He wasn’t deliberately (keyword) trying to damage the shingle. If what he is doing is considered vandalism, what about when contractors rest their ladders on gutters? Let’s get real.
Doing something without the proper skill while claiming to know the proper skill would be considered "deliberate damage". Claiming to be a professional or expert at anything while lacking the knowledge, skill and experience is a deliberate action. I wouldn't go with vandalism because vandalism is damage for the sole purpose of damage.
@@johnm3435 I understand that. But the less than one bundle of shingles was very easily repairable. I don’t care what this video says. I’ve been doing this for 30 years. Those shingles were plenty pliable, And the guy trying to remove them with a paint scraper has absolutely no clue what he’s doing.
@@myobmyob2215 typically look for someone local, or somewhat local, make sure they’ve been in business for several years. And all quotes should be free. Once you think you found someone try to find reviews of them online and if they’ve been in business for several years, there will be some. And there will absolutely be a few negative reviews. Sometimes it’s just impossible to please a customer no matter what you do. But if they check all of those boxes, you shouldn’t have a problem. Most importantly, make sure they give a decent warranty. And if they’ve been in business in your area for several years, on the off chance you have a warranty issue, it will be taken care of. This is why you want local.
I've repaired way way worse. A pry bar is all that's needed. Seal all the old shingles down with roof cement since their seal (tar line) was compromised. But will it match is the question...old shingles fade
Bro, let me save you from making false statements. You stated that basically an old roof cannot be repaired. So, what you are saying is that in when someone calls a roofing company because of a leak from missing shingles, the roofing company tells them “ We cannot repair your roof because you have 10 damaged shingles that are old.” No, the roofing company says “ We can repair your roof for x dollars. Old roofs are repaired all day, everyday by roofing companies. I used to do roofing repairs on 3 tab and architectural roofs all the time. You know why….because people had a few hundred bucks laying around but they didn’t have 5k or 10k. My point is simple. Don’t say the roof cannot be repaired. Yes, this State Farm rep did it incorrectly. However, he should have simply used a flat bar and the shingles could have easily been repaired. So, it comes down to the policy and the state. Does the state where the house is located have a matching clause and does the policy have the rider too. You should have both of those things present on your Mobile IPad to show the field adjuster and then, the roof will be approved. That simple.
Roofing is such a scam these days. Roofers realized they can say literally anything for a payday while the insurance companies can't because they're held to a higher standard. It's an unfair advantage. That's why many insurance companies are running with a deficit these days.
@@matt8180 well my ex father-in-law is a millionaire and he owns a third generation insurance company, one of my best friends growing up in high school owns a country companies and he makes a couple hundred thousand a year. if insurance companies were in a deficit then they would not be in business. how do they make money? Because the insurance claims are nowhere near the amount of money insurance companies make charging you insurance. prove me wrong...
@@johnm3435 haha mate as long as you give a fair evaluation and have good and not let those morals be influenced by whoever you work for you will be fine. If not I’ll take you on mate. Hand to hand
@@lucashunnisett3066 The attitude you have towards others is why adjusters probably give you a hard time. Stop acting like a bad ass when youre working with professionals. No one respects that unless you're in a cage.
There are honest roofers and there are dishonest roofers. In Texas, the homeowner is required to pay the deductible and many roofers are willing to "absorb" the deductible through various schemes, this is a violation of state law. Additionally, many communities require solicitors to obtain solicitation permits. Do these roofers that solicit after storms always obtain solicitation permits before soliciting for business by going door to door? Some roofing companies play by the rules while others skirt the law, this make it difficult on the honest businesses.
The government has no business sticking their nose where they don't belong anyways. Idc what the law says, if the roofer wants to save the homeowner money by not making them pay the deductible then the government has no right telling them they can't.
Just because you're a roofer doesn't mean that you are an expert, there's alot of roofers out there that take advantage of elderly and women, because they feel they can get away with it.
Agree but Jeff is a State Farm staff adjuster (which is worse) independent adjusters are not given or allowed to wear State Farm apparel like the hat or jacket he has on.
I’ve had good experiences with a lot of State Farm IAs when the claim is under 25k. A lot of them make the pictures look really good if u give them a Gatorade and chat
@Dmitry , im a roofer for 6 years now . Last week I was contacted by a homeowner. We provide roof claim insurance. We provide homeowner necessary info to claim their roof . This homeowner his insurance carrier was Erie Group Insurance company here in PA . He set up the inspection between 11 to 11:30 am . But they were there around 10:30 , and I couldn't meet with them , because his inspection was only 15minutes . When this inspection took me 45 minutos (inside & outside ) The adjuster jumped up on his roof . He was with a "roofer" . So now the adjuster are doing this inspection with a "Roofer " that probably works with the company, trained to say No damage . I submitted photos and enough damages inside & outside of the roof . And the adjuster sent a poor roof inspection saying the roof has no storm damage . When there are enough wind damage . The worst part is above the garage where the whole roof is sagging. I called this adjuster and never answered my calls and texts . This is how the insurance companies are working now , the hire an "adjuster " and a "roofer" to say NO !!!
I'm not even a roofer and dude using a putty knife is making me cringe. And to people talking about "Adjuster should just come back when there is no camera". Naw fam. If you got nothing to hide, you should have no issue being recorded while working. I can work productively with a camera in my face, why can't you? You doing something wrong???
Look, I’m all for bringing awareness, but your phrasing could be better. The adjuster here did not vandalize this property. That is not an accurate description and will turn people off to your discussion. Vandalism: action involving deliberate destruction of or damage to public or private property. This was not deliberate and the adjuster although being disagreeable was at least attempting to show you want you wanted to see. But as you say procedures are changing.
Ok but if he himself could not do it then why is the roof not being covered. The law should be that the insurance company needs to prove that it can be done
This roofer vs ins company debate is like red vs blue in politics. There’s crooks on both sides of the line. Just as much evidence as there is out there of adjusters being slimy there is of roofer doing the same. Throw PAs in the mix and you’ll get the big picture. At the end of the day EVERYONE is out for themselves!!! Some do a better job at not letting that directive guide every decision and some don’t.
"If the shingle has been on the roof for 10 to 15 years, then you have to remove them to replace them". Interesting, how do you replace newer shingles without replacing them? And no that is not vandalism. Vandalism requires wilfull malicious intent. Roofer "hammer hail" is vandalism. This video probably does more harm than good to your reputation, and I appreciate how much roofers like you have made my premiums skyrocket while trying to line your pockets.
I have been a flooring installer for 30 years. If there was a problem with the floor before installing like a big ass hump in the concrete it had to come down to the customer and my shops owner to physically sign off on it that they are completely aware that they we making me install it in bad condition. No sign NO WORK
Legally if he were to make an attempt to repair the roof he would be doing illegal repairs his license is in insurance loss adjusting and not roofing. However a contractor with a license can make the attempt to prove it cannot be done. Just like the contractor cannot make a coverage decision the adjuster should not be able to make a decision if the roof is reparable or not they can only decide if repairability opens up coverage or not. If the attempt has been made Infront of the adjuster and it cannot be done the adjuster should apply the language of the policy to the loss at hand.
That varies State to State. For example, in Colorado it would be allowable as long as it did not exceed $1,000 or, in some jurisdictions a set amount of square feet/percentage of the roof. For example, in El paso County, Colorado it would be perfectly acceptable as long as it did not exceed 25% of the roof, was under 1 square in size, or $1,000 in estimated value.
@@RoofingInsights3.0 I am a Contractor in Colorado. Depending on the jurisdiction preforming the work without proper licensing and insurance could result in jail time and fines. If you are preforming work that doesn't require a permit it is likely a handyman license and insurance is still required to preform the work. This is obviously subject to the jurisdiction but far as professional conduct you shouldn't do any work that is outside of wheelhouse.
@@RoofingFacts I believe you maybe confusing what can be done without a permit and legal repairs. A handyman license and insurance is still required to do work that doesn't require a permit in most cases. PPRBD is pretty strict I haven't had to look into it but I believe they require a handyman license also to do any work. They have a board that approves contractors only once a month to keep bad contractors and out of state contractors out of the county.
@@kerryhettick3784 So while I referenced the pprbd values for permit, they actually don't require a license for work below those parameters. In fact, to quote "Contractors must be licensed by PPRBD prior to soliciting for, contracting for, consulting for, or performing work that requires a permit" Insurance consultants are not required to as long as they stay withing the parameters as provided by pprbd and by the state of colorado.. This is consistent in many places I've worked (a few dozen states and a few hundred jurisdictions) where minor repairs like that would not require a license or exceed the boundaries imposed by local jurisdictions to be performed by an adjuster or independent consultant. Usually where such limitations exist, they exist due to contractual or insurance requirements.
I was working as a team during Hurricane Laura. I was in Florida writing and estimating, my Cat partner was in Louisiana doing inspections. He sent me pictures of a house that was owned by someone who also happened to be an adjuster. The insured sent pictures from directly after the storm because portions of his roof had been tarped and we couldnt get pictures of that damage. While writing the claim, I noticed that some of the details of the roof didnt quite match. Some of the hardware didnt match our pictures, pipe jacks in the wrong spot or non existent. The main issue I had was that the area that had been tarped in our photos...had ridge vents in the photos the insured sent us. Weird. I asked my partner if there were ridge vents, he said "No just caps". The pictures that were sent to us were taken on an Iphone and Iphones Geo-Tag pictures with coordinates. I found that information in the pictures and looked up those Coords and the pictures were taken about three miles away at a house with almost Identical features. Made a note for the DA, sent the claim unfinished and never heard back. Pretty sure that dude got in serious trouble.
Question?? Unfortunately, my garage is also attached to my neighbors garage. It's one building but 2 garages. Our side of the roof was reshingled right before we bought it, and the neighbors side is completely dilapidated and has a hole in it. We only use the garage for storage, so i just barely noticed it has been leaking into our side all winter and has ruined our wall and most of our belongings. What do we do? Do we call our insurance to make a claim, or do we ask them for their insurance? It's also worth mentioning that our neighbors are not the reasonable type, and I'm pretty sure we will have a fight on our hands. Knowing them it could end up being a physical fight the moment we tell them about it no matter how nice we talk to them.
This adjuster shouldn’t even be talking about repeatability because he’s not a roofer as he said. He is a policy expert and An old crusty roof is not a covered peril.
We’ve been having this problem in southern Maryland With STATEFARM a lot lately, they did not used to fight us on repairability of shingles when we would video an attempted repair/fail and send it into them. About eight months ago they started really digging their heels in and we have been forced to involve public adjusters and even calls for appraisals We eventually win all of them but sadly some of them have taken eight months. I assume that the insurance company has made the decision that if they put up this fight and caused this trouble that a certain percentage of homeowners and contractors will not know how to fight it or do not think it’s worth the time and money to fight it and they will go away thus savings for the insurance company. I have been giving all of our customers the heads up before they file the claim letting them know that “unfortunately the amount of damage and /or the repair ability doesn’t mean anything anymore, it’s all about the Field adjuster and desk adjuster that we get, that will decide how the process will go.”
Same in Illinois. The adjuster have not even to 5he roof top he already knows the answer. In my case he said 10 shingles damage that's the only amount they approve. I told him shove that 10 shingles in your behinds. I wonder how much commission does these adjusters and contractors get.
Same issues in Indiana ~ I just went through the denial process and then had to hire a PA and I won. West Bend Mutual was who I am or was having problems with. The field adjuster missed the fact the entire roof needs re-decked. Award letter approval of full roof and Decking awarded. It's worth the fight taking your roof to appraisal if denied without proper inspection. This is my 1st time ever putting in a roof claim (bad storm with hail put a stick through the roof) and I didn't know what I was in for. I went with my gut and took it to appraisal. It's taxing on the body but so rewarding in the end. I'm a disabled Widow on a fixed income...please FIGHT for what's right. These insurance companies are not what they used to be. God bless y'all 🙌
The video played halfway through. It made my blood boil. I randomly came across the whole video and here I am. Lol That roofer literally said, fuck the money, help this homeowner. Because he saw what the State Farm rep was doing.
Why is he using a roofsnake to remove shingles? How about nail bar, and if that doesn't work a putty knife is good. Get them shingles while they're cool. If they're hot, cool it down with water hose. I like some of the comments earlier. What do you expect with a 20 year old 3-tab roof? You neglect your own roof and expect insurance company to pay for a new roof? That's more wear and tear guys. I'm a roofing contractor in Wyoming btw.
I actually know a lot of people that don't have insurance on their home. I really just have insurance for fire reasons due to the age of my home. Other than that, insurance companies scam a lot of homeowners by not paying for what has been damaged. If you don't want to payout on a claim, then get out of the insurance business. It's the riak you yake by insuraning some POS house, but you sold th policy so you legally have to stand behind it. You can talk policy and not have to be a PA. The insurance papers specifically say give this claim to your contractor and have them contact us with any questions or discrepancies. The insurance company will lose everytime in court eith their PA bullshit excuse.
Age and pitch are about 65% of that determination factor. Knowledge to replace a full shingle in the field requires the individual to need only 2 tool. Flat bar and hammer. But, a knife if it's a cut piece. Give a child a claw hammer, (which fyi that style is not common for roofers) and direct the child on what to do which is to pull the nail. Within a minute or so any inexperienced child is able to learn what part of the hammer pulls the nail. Through experience, a roofer need not to study or figure out what must be done to remove a damaged shingle. So knowledge to remove the shingle is roughly 25%. The remaining 10%? Other potential factors like what time of the day it is, (midday is a near guarantee to rip tear or damage shingles, but there's granual loss, trees overhead, full sunlight exposure, homeowners shoe got caught and tore a shingle...etc... After 14 years of roofing, I strongly disagree with your opinion as well as the opinion of the person agreeing to disagree with you, that there only two specific shingles, out of the like I think 18 different styles of roof shingles that can be pulled and replaced without tearing. Me being comprehensive of what you're referring to, being that of reference to specifically just asphalt shingles, I'd still disagree with you. Age, and location is the majority of that determining factor. Owen's Corning pink panther bundles? Bet you can't pull one without damaging it a few hours after installing it! Struggle is real pulling just one away of them from a freshly opened bundle.
I called my installers distributor and ask for the material invoice for my roof installation , distributor called contractor and he refused to give me a copy. What can be done. I feel he didn't do anything but put shingles over removed shingles. Tnx
I am a roofer, and both of those roofs could have been repaired. Very unprofessional to bicker on the rooftop. Adjuster was about to fall off the roof. Safety violations all around.
@@watertiteman looking closely at the video it looks like Dimitri's roofer was trying to use a a dimensional shingle to repair a three tab roof repair thank you
Hey Dimitri could you make a video on the roof Max I was skeptical on it because again why would you get a service on a roof like that if the life of a roof is about 25 years and you required to get a new roof around that time so if this product is useful what time should this product be used how much should you pay for a service like this and is a service like this actually valuable at all I really want to know I've been trying to ask around about this and I've been seeing all this chemical thing that goes on the roof supposedly to rejuvenate your roof and so if you can really make a video on this I'll be so happy
All I can say is when I fix my own roof I use a heat gun and warm them up so the roof gets soft and bend It works most of the time for me I think you have to want to fix things not just do a complete replacement. But If you have to guarantee your work I can see why they don't want to try heat.
Just a bit of correction: In insurance terms Vandalism is damage to the insured property without the consent of the homeowner. I expect that the insured knew about this re-inspection. The insurance company stated in this video that they are responsible to add the shingles they damaged to the claim. BTW...this roof was entirely repairable...Can tell that just by looking at it. Sorry roofers...it ain't Christmas on every claim.
Never trust a left handed Russian! 😂 Great video man….I’ve been dealing with these guys for 15 years…when the guy said "plausible deniability" he hit the nail on the head. As I already mentioned in your comment section a buddy I work with is from Louisiana…he told me that when they need to file a claim…they don’t bother calling the insurance…they call their attorney.
Good way to give up 10-20% of your claim when the first adjuster could’ve been great and wrote up a fair or more than fair estimate. I’ll never understand why not wait until the first adjuster comes out AND THEN hire an attorney or PA if you’re not satisfied. Why give up 10-20% on the initial estimate for literally no reason?
@@johnm3435 you obviously don’t live in Louisiana…and have no idea what you’re talking about. In a perfect world adjusters would take care of their policy holders, especially when they have the correct coverage. But this simply is not how things work.
Lol, Liberty/Safeco dropped the brittle test so they could actually start covering less roofs. Prior adjuster there. Have been at plenty of spots and I will let you all know that Allstate is the absolute worst when it comes to covering things. I even got my own roof paid for by State Farm so it's not them. Just saying. Insurance companies are definitely going out of business because of roofers and public adjusters. Still like your content.
Adjusters should be independent from the insurance company - be rotated . On the other side - if your roof can't be repaired because of age - the insurance company shouldn't be responsible for areas that haven't been damaged. Time to get a new roof. Cost of owning a house.
I have been an independent adjuster for 26 years and roofs were somehow able to be repaired back when I started in this industry much more frequently than they are now. Nowadays it seems no roof is repairable regardless of age and condition. Sometimes the shingles truly are not repairable and the Insurance companies definitely need to improve on accurately identifying those roofs that cannot be repaired and step up to the plate. On the flip side roofing contractors need to be more objective in properly identifying what roofs can or cannot repaired. The host of this channel stated that roofers are not the ones driven by greed but rather its the Insurance companies. I cannot speak for host of this channel but homeowners if you think roofers aren't driven by greed and everything they tell you is honest and true your naïve. They are some of the most greed driven individuals out there. Bottom line homeowners dont be surprised when your see separate wind and hail deductibles that are equal to 1%-2% of the lnsured value on your home show up on your policy. Also dont be surprised when your policy only pays the actual cash value i.e. the depreciated value of your roof based on the roofs age.
well, if shingles have become more advanced in terms of their gluability together then it is entirely possible they are less able to be repaired... if the bond between them is stronger and less capable of being taken apart that would reduce the number of "repairable" roofs... also... i would guess a lot more roofers were WILLING to try to repair roofs, but in the age of the internet, if you try and fail, if you took that risk to repair a roof that maybe really wasn't possible or too difficult, you get your bad reviews from your customers online and your business is fucked.... so i would imagine a hell of a lot less roofers are willing to risk it... look almost all insurance is a scam... it has to be, by design... or the insurance companies couldn't possibly make a profit... so let that be our starting point... the reality
So what about your house that's insured at a million dollars burns down guess who pays for it your fucking insurance company's. you contractors are so hungry maybe if you stepped in our shoes and made the real money you wouldn't be so hungry. I'm an adjuster and if it's damaged I buy it if it's not then it's not getting bought plain an simple. Contractors that knock on doors are jokes the contractors that get recommended by insurance company's are truly the best ones and get plenty of business that they don't need to battle a insurance company for a year just to make 4000 profit lol. Chances are if your having to battle the insurance company there is no damage.
@@notimportant3686 The peace of mind that comes with the transfer of risk provided by an insurance company is worthy of profit. I carry homeowners insurance fully expecting to not use it but in the event that something catastrophic happens to my home I will not have to shoulder the entire expense of repairing or rebuilding my house. Your statement that insurance is a scam because they make a profit shows a lack of understanding on your part and a prejudice against Insurance in general.
@@jimrogers3931 nope... complete miscategorization of my stance... NOT because they make a profit... any company that provides a justifiable service should make a profit... it's a scam because their willingness to insure is about one hundredth of their willingness to cover... a company that sells me a sandwich is 100% as willing to take my money as they are to make me the sandwich i pay for.... an insurance company is at a 100 to 1... also i heard this from the head of one of the insurance companies i worked for in my youth "we'll do everything we can to make sure to deny a claim"
Liberty Mutual is one of the worst for paying any claim… ANY. People think they are saving money when they go with these cheap policy companies like Liberty or Progressive. You pay for what u get.
This is sad. He's saying it can be repaired but doesn't know how. Yet he's the decision maker for the claim. Crazy. Just goes to show that adjuster wasn't even willing to listen.
Yes he is saying I can be repaired I've been in a roofing business for 40 years I'm saying it can be repaired and it's not the job of the adjuster to teach a so-called professional roofer how to make a simple repair in a three tab shingle
@Dmitry how can I join your team of trusted roofing professionals in Amarillo Texas? I enjoy your videos and presence in the roofing industry and know me and my company Riverside Roofing Amarillo can help so many. I've been an independent insurance adjuster and enjoyed helping others but can have so much more of an impact with my business.
In the first instance that's not vandalism as indicated in your average insurance policy. You should read more to understand the policy language of what constitutes vandalism. Also, the gentleman who is trying to lift the shingle to show that the roof is repairable is going about it all wrong. Not a very informative video based on your logic. The second instance I agree that the three tab roof surface is unrepairable...no doubt. The State farm adjuster was in way over his head.
