State Farm VS Roofing Contractors: Insurance Companies are "Hurt by Toilets"

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State Farm lost to Roofing Contractor in court: Judges asks the best questions!!!!
State Farm In Court: Insurance Companies are "Hurt" by Roofing contractors toilets
Read about State Farm's loss over at: roofinginsights.com/state-far...
State Farm, Home Advisor, Angie's List, Yelp... The list just keeps growing. In this video State Farm is in a battle with 33 Carpenters out of Iowa. In summary, they didn't want to pay for some adjustments that were requested by 33 Carpenters as additional resources were needed to complete the residential project. Some of the items requested were a portable bathroom and a safety supervisor. State Farm denied both. One of the judges brought a valid point in the idea that residential home claims aren't that different from the car repair industry. However, typically car repairs don't get nearly as much push back with supplements and repair requests/items. When the question was asked to State Farms' attorney, she did not seem to have an answer..
Feel free to leave us a comment below on your experience with State Farm or someone you know. Did your contractor need to use the neighbor's bathroom?
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Опубликовано:

13 мар 2020

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Комментарии : 657

@stephenbrown9549 2 года назад

"And like a good neighbor", your claim is denied.

@ericschuh9394 2 года назад

Its ok. They have plenty of plans to fit your budget and lifestyle. They'll get your money

@DarksurfX 2 года назад

Had that happened with a 2 week old car and a tornado and threatened a lawsuit after they denied the claim. Took 6 months to get it corrected as they tried to avoid court. The issue wasn’t the local branches (who were on my side) it was corporate. Corporate knew it was a losing battle as the local branch was honest AND knew that would be crucified locally.

@sandozdelysid 2 года назад

You owe us a five dollar installment fee even though you paid in full, DENIED

@JustSomeGuyNotAnAlien Год назад

“Like a crud neighbor, State Farm is unfair!”

@JustSomeGuyNotAnAlien Год назад

“I uhh ahh eya there is a whole statutory scheme in this…” I agree the insurance company is a scheme! It is all about scheming people out of there money.

@rickarra1833 2 года назад

State Farm 32 years, no claims. One claim during 33 year for $8k, cancelled policy.

@HelloDapp Год назад

i have state farm for home and auto. A couple weeks ago, a car ran into our house. It was a pretty hefty check for repairs. I'm hoping they don't drop me. I don't see why they would in this case, because the other insurance paid out. I don't understand how you can pay 10s of thousands of dollars over the year for insurance, and the second you need it, they can drop you. Thats fucked up.

@rainforestrc767 Год назад

I had State Farm insurance 30 years ago and they did the same thing to me.

@amandaforeman7441 Год назад

Oh the Counsel for Allstate hit the nail on the head when she said, "We have this scheme here." We know you do. It's called organized crime.

@Youtubecensoredmyusername Год назад

I read this comment like 4 times and it made me laugh every single time. When I make a joke like this people look at me like I’m a monster. Inspired!

@alanrobinson4318 2 года назад

The rationalization by the insurance company is hilarious. I renovated my sisters kitchen. Initially to wreck out the cabinets, flooring then paint, new floors, cabinets, countertops, with upgrades for electrical and plumbing. In the wreck out, it was discovered that there was black mold in the exterior wall. In removing the drywall, it was further discovered that that exterior wall was framed wrong, egregiously. And that the roof was sinking. As an original plan, none of the later discovery was in the original estimate. Yet further work was necessary to ensure a safe kitchen. Original estimates are just that, estimates. In construction, problems arise during work. It's called discovery. Discovery changes estimates. Estimates get larger. This is an absolute fact in construction. The arguments from the insurance lawyer are unsupportable and she's blind to reality.

@GhilleGhille Год назад

Insurance companies don’t owe for framing incorrectly and in most cases black mold

@alanrobinson4318 Год назад

@@GhilleGhille Then the contractual estimation should've included for the possibilities. Discovery should be stated, so no one gets blindsided.

@GhilleGhille Год назад

@@alanrobinson4318 Yes, the contractor can put that on the estimate and request for a supplement. Likely to be denied or paid for by padding the estimate in other sectors.

@alanrobinson4318 Год назад

@@GhilleGhille Again, documentation is necessary. While I agree that there's a lot of bs in the field, your phone has pics and vids. So those should go a long way to alleviate concerns. Also, said documentation, can be vital in backing up your bill. It's a pain in the a** to have to do this, but, between shady insurance companies and equally shady contractors, it's come down to the details.

@GhilleGhille Год назад

@@alanrobinson4318 Yes, that's all necessary for a supplement. What I'm saying is that fucked up framing that was done incorrectly isn't covered per most policies and mold isn't covered unless it's the direct result of a covered water loss. You can document all you want, but if someone installed something incorrectly the only way it's getting paid is by accident or by not paying it but padding the estimate from the adjuster.

@donr416 Год назад

A tornado went through northern suburbs of Cincinnati about 25 years ago. State Farm rapidly stood out as trying to avoid payouts. A friend's father had a heavily damaged house that was shifted off the foundation. The foundation was also cracked and shifted. State Farm wanted to shift the house back onto the non-square cracked foundation, and ignore the now racked and non-square house. I think it took 3 years to settle with State Farm. Their name was totally ruined by their egregious actions.

@addisonjk 5 месяцев назад

Give it 5 years and people will forget and they’ll recover. Every insurance company is screwing people, so they’re all just trading customers

@yourfavoritelawnguy2722 2 года назад

My family had statefarm home insurance for nearly 30 years, they had to file a claim once, was for tornado that caused roof damage, took 7 months for a check to show up, followed the very next day by a letter saying they where dropping my parents coverage. I have yet to have a positive interaction with anything to do with insurance

@TripleKmafia Год назад

So, they paid out, got upset by the amount, and dropped their coverage because they wanted to avoid paying more in the future.

@bradstarbuck7933 Год назад

Government owned. These companies are told to tighten up and deny. Another thing is called the 80/20. 80% will take their check and run. 20% will pursue for a higher claim. I have yet to meet another who has still has their backbone and willing to speak up. I think those figures are inaccurate.

@kipter Год назад

Insurance companies boil my blood. You can pay your premiums in good faith for years but when you file a claim they will do everything they can to not pay it, and even if they pay it they will immediately recoup their money by raising your premiums.

@mgtow-balance3409 Год назад

the only word for that is disgusting

@winstonscates4387 Год назад

I dealt with SF for my roof for massive hail damage. The first adjuster had no clue about what to look for. The second one said the roof was beyond repair and said they would pay for a capover. I told him that no shingle manufacturer would warranty that and he would not be doing a capover on my roof. He finally agreed to a full removal and replacement but wanted to use 15# felt. Again I told him the manufacturer would not warranty that unless it was 30# felt and that I wanted a six nail installation. (I was a manager if a national lumber company).

@streetcop157 Год назад

OSHA requires access to a toilet on every site. Ran into this with a security company I worked for the boss kept putting guys on sites with no facilities….right up till someone complained and he had to pay that fine.

@brucethecurmudgeon8538 Год назад

I had up to 29 policies with State Farm over 38 years of insurance. They sent me a notice that my home owners insurance was to be canceled in ten days. The reason, I was declared DEAD on my credit report in a false report over ten years before. State Farm had my payments, car, liability and home policies. They took the money from my checking every month. My agent said I would have to solve the issue myself as it was not their problem. I solved the problem by going to Erie Insurance saving over $1,000.00 a year with much better coverage. After 38 years of paying these scammers I was booted by false information even though they took the money every month for those 10 years.

@kxp.1496 Год назад

You should have sued them for taking 10 years of payments for the same reason the canceled your insurance. I guarantee you that they would have denied your claim if one was made in those 10 years

@krmeadows0001 Год назад

I would tell them "If I'm dead, then my estate wants a refund of all my policy payments for the past 10 years."

@newedition0456 Год назад

are you crazy you need to or should have sued them.

@Pokerdude38 4 месяца назад

Not sure what kind of policy you have Bruce, but Erie is probably as bad as State Farm for homeowners, but auto is apparently pretty average

@maxr.mamint8580 Год назад

So... the reason we have so many ridiculous safety rules in crafts and trades - many of which make it VERY hard to work through - is because INSURANCE COMPANIES demanded such truck. Now when they have to pay for the Safety Supervisor - suddenly its an unnecessary issue.

@mrstyle_67 2 года назад

Great video Dmitry, that State Farm Lawyer wanted her cake and eat it too. I have 40 years experience in the Collision Repair Industry and my family shop just sold after 50 years in business. I have first hand knowledge of what the Chief Justices were saying and see the issues coming fruition in the roofing industry now.

@jakk222rem Год назад

This....was actually....more fun and interesting to watch than a John Grisham novel adaptation.

@Demonicpurity Год назад

It sounds like that law just needs to be put in the shredder. It clearly doesn't do what it is intended to or benefit anyone other than insurance companies who use it to skimp out on the bill.

@christswrath1030 2 года назад

That safety monitor is required by OSHA when working on a roof. The fact State Farm didn't understand the osha hazwoper in industrial safety standards is beyond me! SHE also said do they really need a bathroom 🚻? Of course by law and once again OSHA says you must supply portable restrooms and hand washing stations on construction sites.

@crownj01 2 года назад

Exactly 👍

@davidbagley1783 2 года назад

I've been roofing in California for two decades.. for one of the oldest roofing companies.. 1919.. we never had a safety inspector on the roof

@christswrath1030 2 года назад

@@davidbagley1783 as an authorized OSHA safety inspector who does random site walks every month I'd say just count yourself lucky. You need a safety plan in place a safety supervisor at your company who does these inspections weekly. If your not or your company is not doing them well good for you.

@digger1825 Год назад

That's exactly what I was saying, lol

@danmorell8240 Год назад

Yes you do need potable toilets . I bet she would be the first to complain if she worked in a business that was below her standards

@rickarra1833 2 года назад

Wow. The repair company contacted the insurance company saying additional work required. Insurance company paid, now going back saying transaction was illegal. Crazy. Happens everyday with auto and home repairs

@Tker1970 Год назад

Yes. When the tear down starts more damage is often found.

@LetTheTruthBeTold8324 Год назад

@@Tker1970 does addl damage found that was not part of the current damage covered by insurance?

@superdave1263 2 года назад

My daughter’s muti-million dollar house burned down two years ago. The California State Auto Association (AAA) wanted to do a quick, but shoddy reconstruction. As a plumbing contractor myself, I do work for them as well as other insurance companies and see the dishonesty first hand. There has been an ongoing dispute between the two with no hope of moving back to their own home. In fact she just found another mistake by AAA in their favor of course. She paid for an outside adjuster to reappraise her jewelry and found an error of $142,000 in my daughter’s favor. This is just one of many in the last two years that AAA has made a “mistake” on. Two years and they still have not come to terms to begin the rebuilding process. I feel sorry for anyone who has a claim against an insurance company. If you’ve ever been in an auto accident, that’s very minor compared to a major loss!

@peterl3417 2 года назад

What could she do? Maybe sue them? Take it to an attorney?

@superdave1263 2 года назад

@@peterl3417 Peter, actually she is doing both of your suggestions. Thanks

@mark6000 2 года назад

Dave is making a lot of blanket statements other than 142k in jewelry. if someone actually has that amount of jewel they would have purchase receipts or debit/credit card statements for those purchases. sounds like your daughter is looking at this as a jackpot instead of indemnification. plumbers are the top 5 biggest snakes there are and you know it.

@nightbest2308 Год назад

Cannot believe the insurance company is arguing against paying for a temporary toilet on site for the construction workers use. Were those workers suppose to relieve themselves on the neighbours’ lawns or in the bushes?

@murphman7448 Год назад

As a PA, Ive handled numerous claims with all of the well known and some not so well known companies. I can say from my experience that CSAA is without question, the most dishonest when it comes to homeowners claims.

@reallyjustrandom1230 Год назад

My basement was flooded due to a backup on the Storm sewers. My Insurance covered 100% up to the total amount of the Rider! No questions, no auditing, accepted and covered! Then again I deal with a smaller Insurance company.

@jcfc8197 Год назад

I’ve had USAA for 37 yrs. I’ve been in 3 accidents, one being my fault. I called USAA to file a claim, no problem all parties taking care of. Bastrop TX Complex Fire, firefighter drained my 30k gallon pool to fight fire, pool damage, smoke damage in house, no electricity for 2 weeks, was evacuated, rotten food in the refrigerator, and USAA fixed the pool, took care of the smoke damage in the house and told me to tape up my refrigerator put it on the curb and go get a new one. USAA covered everything. My neighbors around me had issues for months with their insurance company not paying out.

@Hiker_who_Sews Год назад

Wow. I had a large tree come down on my roof from wind. Allstate and I agreed on an amount, and I got a big check from them. I did the work myself with rented tools, and pocketed the amount allowed for labor. Allstate paid for replacement where I was able to repair. Kaching. More money in my pocket, and my agent was fine with it. The process was financially beneficial to both the company and me.

@jeff0247598 Год назад

It's been standard practice with big insurance companies to deny claims the first go around. They try stall tactics and try to starve out and frustrate policy owners until they quit trying to make their legal and just claim.

@bethcooper4200 Год назад

State Farm is like a good neighbor and will send their people and teams to an area then low ball the homeowner. They don't want to talk to a contractor. State Farm has a track record for their questionable behavior.

@wilson2455 7 месяцев назад

cost of repairs = $5K, cost of litigation = $15K

@jamesharvey8838 Год назад

Omg I love the attorney arguing about the safety monitor and the toilet, I guess the insurance company’s attorney has never read the OSHA rules regarding what is required by law. Whoops

@LetTheTruthBeTold8324 Год назад

it seems the contractor was gouging the insurance company and they were like, nooooo.

@AverageIntelligenceProductions 2 года назад

The insurance agent is not your friend. Repeat it. Neither is the contractor. They are extensions of your business. Choose wisely and make your intentions known.

@kimmerdkd 2 года назад

It should be noted: Insurance companies duty is to uphold the terms of the contract with allegiance to the company's shareholders period. That being said the insured is burdened with being informed, knowledgeable in matters relative to the claim and making certain the repairs are timely and thorough while meeting code the law and industry standards as established by all applicable agencies to include the contractors boards. The idea that the insurance company is firmly standing by the homeowner with the insureds absolute interest as paramount is not just ridiculous but is a pipe dream. Insurance companies ONLY obligation by law is to fulfill the terms of the contract period. therefore the relationship the contractor has with the insured is critical so as to meet the aforementioned goals the homeowner and contractor identify. This is why you always want to engage the professional services of a licensed contractor.

@gladegoodrich2297 2 года назад

Not all insurance companies are crooks! One morning I woke up to a flooded basement. Farmers insurance had a disaster cleanup company at my house in less than an hour. Replaced the drywall and all the carpet and painted the entire basement as good as new at zero cost to me. So if your looking for new or a change of insurance give Farmers a look. A customer for life!

@southe101 2 года назад

They didn't want to have to pay additional damages from mold.

@shawnmccormick6381 2 года назад

You sound like a paid advertisement for them. Are you their damage control? I think you're an agent.

@Lessenjr 2 года назад

Farmers id honestly thr only insurance company I've ever heard consistent positive reviews of. And I'm iver here still paying state farm fir some dumb. Reason.

@gladegoodrich2297 Год назад

@@shawnmccormick6381 No I'm not an agent! You could have found that out if you weren't so lazy!

@Garth2011 Год назад

The sad part of those claims is, water damage. They want to blame you for the claim so, rates will go up. I don't agree with that idea because the weak part of the plumbing was repaired which means the risk of another leak is much less yet they want more money for the future of less risk? Sorry, the rates that prevailed just before the broken pipe or whatever took that risk and now the future carries much less risk of water damage claims. Recently, I heard from agents that if you have a 40+ year old home and still have the same plumbing and electrical, they want it upgraded or pay a higher rate. Some will not write new policies unless the old home has newer plumbing because they are under the impression that all pipes will fail at around 40 years old or older. I know of tens of thousands of old homes with no plumbing issues of that nature but I have heard of newer homes with newer plumbing that do leak. Usually its the type M copper, the thinner wall or gauge pipe, that springs pinhole sized leaks in just a few years from installation.

@robertr6675 3 года назад

Congratulations, Dimitry, on another very important and helpful video. Btw, Ed Fako is a personal friend of mine. I am a Michigan public adjuster with over 10 years experience in several states. Please Keep producing this quality of videos.

@RoofingInsights3.0 3 года назад

Ed is awesome! Know him for years

@tobyhall7704 2 года назад

If the legislator/Insurance Co. wants business owners to be public adjusters then change the law! Seems to me they left it like it is as a loophole for Insurance Companies! Also as a contractor its my job to drum up business for myself. Also my job is to let the person/homeowner know what other pending problems have arised. Does that make me a "Public Adjuster"! State Farm also had there own "Adjuster" come out to look at the damage! They also agreed to upgrade the cost funds of the job w/o going back to look at it! "HOW MUCH LEEWAY IS THIS GOV. GONNA KEEP GIVING TO THE INSURANC Companies!

@scott7270 Год назад

I can't stand Insurance companies , Yet being a general Contractor for over 40 years, I have found the most unscrupulous of all sub-contractors , as well as "repair contractors " are ROOFING contractors. I'm not sure which is worse .

@falseprophet1024 Год назад

Funny. Im a carpenter and Ive found that general contractors are the most unscrupulous ones on the job site..

@peachtreerestorations Год назад

Fantastic video. Our company has dealt with State Farm, Allstate, Farmers', ad nauseum fighting to get our homeowners' roofs replaced with OBVIOUS and SUBSTANTIAL damage. In one case an elderly homeowner had paid premiums for 17 YEARS and she was denied. We worked with a public adjuster who finally got her roof replaced. It was an exasperating and absolutely unnecessary process.

@chickenfarmer209 Год назад

Public adjusters are just as shady ass insurance companies. My house burned down and an "adjuster" told me I would NEVER get 100% of my property claim despite having a hundreds of thousands of old machinery. I ended up maxing it out ALL BY MYSELF.

@peachtreerestorations Год назад

@@chickenfarmer209 It sounds like you were dealing with a bad inspector, not a public adjuster. Of course even with adjusters there are outliers and of course it depends on the public adjuster's talents, honesty, and oversight of staff. I've been involved with hundreds of insurance claims and I would say about 10% the PA was unable to reach an agreement with the insurance company, even after months of back-and-forth. If my home had issues I would DEFINITELY use a public adjuster. Their fees are included in the price of the project (paid by the insurance company, not the homeowner who only pays their deductible).

@michaelvinet9661 Год назад

Parents had State Farm for 50 years never made a claim even when they had a break in but never claimed. A State Farm agent called my mom and said we’re dropping you because it’s about that time for a claim to be made. My dad recorded the call I couldn’t believe it.

@esquire9445 Год назад

I don’t believe you because an agent wouldn’t make a call to cancel someone. It would come from an adjuster.

@leogarcia9959 Год назад

Wow this makes me so happy they had us do a reroof job. Then when the extras for the rot came up they refused to pay near 5k

@murphman7448 Год назад

I’m surprised SF legal hasn’t sent you a cease and desist letter for using their name in the video or mentioning same in a negative context. I’ve had experience with SF (long ago) using their name in my PA website, among others as insurance companies we had experience with. They are hyper vigilant in going after / warning any who use their name in a public manner. Even when plaintiffs prevail against them they require that the record is sealed as a condition of settlement in many cases that may used to give them a bad reputation. I’m enjoying the video.

@Robertz1986 Год назад

They can't do anything about it really. They can send all the letters they want, but this is a matter of public record. Additionally, they can require a lot in settlements, but if they lose a case (or win for that matter) they can't require anything outside the court order, and that will never protect them from free speech.

@thelastofus1609 2 года назад

I honestly see both sides. I know people who do repair work for insurance, and I have first hand witnessed them inflating their costs to get more money from the insurance company. But I've also seen people genuinely needing help, and insurance companies refusing to pay. So I don't think this is just the fault of one or the othet

@HighHurdleDude 2 года назад

This is very true. I have worked on both sides as an adjuster/inspector and neither side is perfect.

@MrRobreg Год назад

But insurance companies make money by not paying out. So it’s in their interest to deny or pay the minimum

@TripleKmafia Год назад

It’s usually better for the insurance company to get dicked over though. They have it coming.

@LetTheTruthBeTold8324 Год назад

agree

@Forseenlife 2 года назад

"The ceo is a convicted felon, he can't get a license". If you paid your debt to society, why can't you rejoin society? So basically a felony is a life sentence.

@plebiansociety 2 года назад

are you asking why they won't let convicted felons unfettered access to people's homes?

@Forseenlife 2 года назад

@@plebiansociety I don't know where you got that at all

@rickj1983 2 года назад

@@plebiansociety Nobody gets unfettered access to people's homes.

@drewlcollier Год назад

@@plebiansociety Where exactly did you get that from? Lol! Also are YOU saying that if a person is convicted of a felony that they are incapable of EVER paying their debt back to society? Even if they have already “completed”their sentence and are done with all court cost/fines?

@johnhamburn3845 Год назад

@@drewlcollier once a felon your screwed its an unfair system. If you are a felon its hard to get a job but its damn near impossible to get any kind of job that offers advancement. your only way out is to start a business but thats hard to do when you cant make a decent wage.

@Carlos--Claveran 4 года назад

Absolutely awesome content Dimitri thank you for bringing this to the publics attention!!

@Carlos--Claveran 4 года назад

Also I would like to pay you to put together a wrap for me please sir!! StormSolutionsTX@gmail.com I have the idea and logo just need your professional touch!! please and thank you!

@NDcompetitiveshooter Год назад

State Farm is soooo MAD that the contractor's let the unsuspecting normal homeowner know that their house was damaged and that State Farm was responsible to pay for it. Great legal case and excellent clarifying questions by the justices.

@tuggie7589 Год назад

Deny, Delay and Defend, thats what all insurance firms live by, so they can keep their funds longer

@MrDarren5012 Год назад

These insurance company’s usually price the repairs approx half of what it really cost to do…

@Derseffect 2 года назад

Sounds like they are mad that they had to pay out WHAT THEY ARE IN BUSINESS TO DO!

@12345shushi Год назад

I guess anti trust laws against monopolies dont apply to insurance companies, especially because it's mandatory by lobbyist laws, and doesnt allow alternatives (like allowing people with significant savings to opt out).

@jvhamby5 4 года назад

I think the justices thought process on the post loss from the date of damage correlation was valid. Then the twist of tortfeasor to garner the assignment of claim diverts the homeowner from being sued is ingenious. I’m terms of contract law, consideration has been met.

@Tucker1Nonly Год назад

Honestly my heart breaks for insurance companies having to pay money out!!😂🤪 and I think having a portable toilet for the roofers or construction people is a must!

@bobscruggs8886 Год назад

If you ever have 10 guys replacing your roof or an interior remodel, you would want one for sure .

@Tucker1Nonly Год назад

@@bobscruggs8886 I agree

@jimthompson909 Год назад

Like a good neighbor State Farm’s potty is there!!

@jhunyady959 Год назад

That women from state farm is the kind you want to find and make her see the error of her ways VERY FORCEFULLY! If state farm and other insurance companies can not find anyone brave enough to be an adjustor then we would have done our job!

@kipter Год назад

Maybe insurance companies should be barred from being public companies

@tombushman8029 2 года назад

They didn’t even know the roof was damaged but the roofer going door to door 3 months later finds 77,000 in damage. I’m all for getting paid what your owed but man was that a gold plated roof

@1971hayes Год назад

I was thinking the same thing,how many squares is the roof. I can't imagine that much woodwork, unless the roof had been leaking.

@domenickmilano Год назад

Yea that fact jumped out at me

@LetTheTruthBeTold8324 Год назад

ya that is beyond ridiculous.

@robburross7413 Год назад

The video didn’t discuss what the original estimate and scope of work was. We know the final costs billed to insurance, after the contractor found additional damage, which increased the costs by $15k. We also know that State Ferm sent their adjuster back out to the sight, to review the findings of the contractor, which were subsequently agreed with and approved. What Intake issue with, is the contractor billing State Farm for toilets and safety costs, which are part of the contractors cost of doing business. The cost to the contractor to comply with the law, whether safety, permitting, etc., are the responsibility of the contractor.

@LetTheTruthBeTold8324 Год назад

@@robburross7413 If that's the issue I agree with state farm

@chaserohwedder8852 Год назад

I have State Farm for car insurance. A few years ago I totaled an older Camry with like 130,000 miles, State Farm accidentally sent me 10,000 for it. 😂 I thanked them for their due diligence on my claim. I paid 2200 for the car when I bought it.

@541beausham 2 года назад

Like a good neighbor, State Farm don't care

@thatguy1860 2 года назад

Oh no, someone knocked on their doors. What a crime says state farm the criminal syndicate.

@Garth2011 Год назад

In California, when any kind of permitted construction is started, most of the local cities require temp restrooms exclusively and temporary fencing off the property depending on the scope of the work as a requirement. State Farm should know this as a standard process. The problem I see is why the damage took over a year to be repaired. I also understand a few things or two about solicited insurance covered damages from "public adjusters" is that they will inform the insureds that the recent hail storm may have left some damage that don't know about however, the real idea for these public adjusters is to get paid 10% for handling the claim with their insurance company. They have an incentive that the damages are higher because they advertise or inform the insured that their fee for services will likely get covered in the estimate of repairs or if they do the work, they will absorb the 10% which is probably another reason why State Farm has a fowl taste about how this claim got started. The facts are clear, there's nothing wrong with the contractor or public adjuster or in this case they are both, dealing with the insurance company but its going to cost their insured 10% of the total insurance payment. State Farm is simply suggesting that the second and third supplement of repair is bloated with junk fees to help cut the commission for the insured and increase their fees. Public adjusters are known for inflating repair costs for the above reasons, they want to collect their 10% and they aim to help cover that cost for their customer. Most public adjusters are not really advisable until the insured first deals with their insurance company and has negative results. The big scam with public adjusters is "smoke damage" from local forest fires or the like. They actually mail out post cards seeking customers who might not know if they have smoke damage from a local fire. Once they get their hands on a customer, the entire interior of the home and maybe the exterior will be considered "damaged" in some way that had it not been for that post card in the mail, the insured would have never considered they had any damage to claim. It would be very easy to claim in and out, damage and $20,000 worth of cleaning, window coverings, bedding, shampoo, painting, etc. to remove "smoke" damage.

@MICHVEl12 Год назад

“That’s how it’s supposed to be. The homeowner is the one negotiating the claim, not the contractor.” So what they’re saying is they want people who don’t have any knowledge or expertise in home repair to negotiate the repairs for their home. How strange…

@paulsmith9868 Год назад

Having moved to South Florida a year ago, and a retired attorney, it is my observation is that a lot of the blame for insurance companies pulling out of Florida is due to shady contractors and enabling lawyers, telling greedy homeowners that they can get them a free roof

@richardprofit6363 Год назад

Absolutely right..I live in central Florida and have seen MANY people get brand new roofs when they only needed small or no repairs..the insurance companies share blame, though , for allowing it to happen and honoring claims apparently without verifying them..

@bobscruggs8886 Год назад

Yes,. as an interior contractor I have seen this with roofers and public adjusters .

@chickenfarmer209 Год назад

if you pay for replacement value, how is that shady or greedy? Sounds like you work in insurance. Nothing more dishonest than lawyers and the insurance business.

@chickenfarmer209 Год назад

@@richardprofit6363It's so someone who pays for replacement value shouldn't get what they pay for?

@richardprofit6363 Год назад

@@chickenfarmer209 not in isurance, roofing, or lawyering..don't know what you mean..

@jeremycarey2772 4 года назад

Seems to me that a Home Owner has a right to appoint any representative they wish to represent them even if SF hadn't sent the letter inviting contractor interaction.

@Bbeaucha88 Год назад

**Customer pays insurance company in case something happens** **Something happens** Customer: Hey, something happened, you need to pay. State Farm: **Shocked Pikachu Face**

@Friedrich-Wilhelm-1980 Год назад

its refreshing to see this in Iowa because most of the time the state does not stick up for the people that said when my family took a cast to the Iowa supreme court they did right by us and bitch slaped the city that hurt us

@instajobprodangeloslist8839 4 года назад

It’s was that kind of year for me to ! We all know about sherlls she shed? 🔥 I backed up into my garage and the would not cover the the damage because I had tools inside the garage and I own a home improvements businesses too. D’Angelo’s List was born because of a pissed 😤 off contractor tired of people trying to get over !

@garypierce7380 Год назад

Way back when I was roofing we'd often find rotted skip sheeting or plywood that had been happening for years. The owner always wanted discovered damage like that fixed and done right. Saying they needed to re-side the whole house because of color matching is the part that bugs me. I've heard of replacing the whole roof because the style of shingle was discontinued....never because of color matching.

@jackstacks4980 Год назад

Match laws usually include color. Checkered rainbow roofs or siding devalues the house.

@joshuaschlies7751 Год назад

To the point of the portable toilet, in some states (not sure on Iowa), it is required by law that a contractor have one on a job site, typically with new build but could be for any large renovation whether interior or exterior. I’d assume that it is true of the safety personnel too…per OSHA. If little miss State Farm looked into what contractors are legally obligated to do by looking at OSHA regulation and local UDC maybe that would help.

@Jbmc65 Год назад

There is one thing that really bothers me about someone being a felon. The system completely destroys a persons life if they are convicted of a felony. The person is obviously sentenced after the case if he/she is found guilty, why does the system continue to sentence the person over and over again? If a person has a felony, serves his/her time than that should be it. Case closed, don’t bring it up again unless the person has reoffended and found guilty. If not that I don’t believe that anyone should ever hear about the felony again. Also, if a person is charged with a crime by a cop, even if the incident that the cop charged the person with did not happen, it still shows on the persons record even if they have not been convicted of the crime. Even if the charge is found to be frivolous and dismissed than the charge is still on that persons record, this is not right. So much is wrong with the US justice system, if I ever get a lot of money I will hire a firm to change these bullshit laws. And for anyone that thinks that police don’t charge people will bullshit charges, think again, it happens everyday in America.

@solskengroupllp2758 Год назад

Tell you what, you go hire a guy a convicted sex offender to come work at your day care.

@Footagepro363 Год назад

Thank you bro

@chuckschillingvideos Год назад

Why SHOULDN'T it carry forward? Why shouldn't the rest of the world know of this person's criminal history and have that information made available to them in order to make a fully informed decision about whether they wish to interact with him or her? Why should criminals be able to conceal their felonious past from the rest of the (law-abiding) public? Why should a felon's invented "rights" trump the members of society who have not transgressed? Your priorities are bizarrely misplaced.

@Footagepro363 Год назад

@@chuckschillingvideos bro is more criminals in this world without records. You better believe that. You see them at work. Most serial killers are family men and Suburbs. Where is the informed choice off of that. What about all the war crimes but we salute Soldiers . What about the cops killing and getting away with it? They criminals but it’s gets swept under the rug and they get honors. What about the sex offenders working at daycare that never get caught until years later. The list can go on where is the informed decision at with them? Just wondering?

@zpgJiggleBilly Год назад

@@solskengroupllp2758 Convicted sex offenders cannot be around children.

@lawboss Год назад

In Texas, the original thrust behind requiring an adjuster (public or insurance) to hold a license was that without one any discussion as to the rights and obligations of the parties to the specific policy at issue (coverage) might constitute the unlawful practice of law. In a sense, the license grants a narrow exception to that prohibition. The negotiation of a claim's amount of loss, in Texas, is not, generally, considered the practice of law as long as the parties limit the discussion to the extent of damage, the proper method of repair, and the cost of the proper method of repair without discussing coverage. Of course, each state's laws and regulations are unique and vary.

@markkeller9378 2 года назад

Insurance company is whining because they got caught not protecting their policy owners. A contractor came in, found damage and submitted it!! Insurance company already knows what areas are hit by storms. Furthermore, the roofer is the expert in what is damaged and how to fix it. Homeowners aren’t. Insurance companies aren’t. Thats why insurance companies want to deal with homeowners, vs contractors.

@crownj01 2 года назад

100%

@smashdemm Год назад

Just have your client email it from their personal email lol.

@brocklanders6969 Год назад

No, the roofer is not the expert. Many are scammers. I can assure that adjusters are for more knowledgeable and training than any roofing contractor. No legitimate roofer goes door to door, cold calls, etc. Never assign the claim to the contractor. Huge red flag.

@davidcarroll2908 Год назад

Wow, there is that number 33 again, it crazy how it pops up everywhere.

@jacobmarczak7337 Год назад

Dmitry out here doing gods work, there is nothing more boring than trigger happy contractual litigations but this is what the algorithm brought me today

@geogarcia3356 Год назад

Good to know..

@pulmo1 Год назад

State farm payout for the cost of the damage done. What's wrong with a toilet being available? Measures taken to prevent falling off a roof may reasonably include a safety supervisor

@JR-kk6ce Год назад

In my view, the defense screwed up because it is an invalid assignment on other grounds. Usually such a contractor agreement with a homeowner says something like "we will replace your roof for whatever the insurance company pays". This however is not an agreement because there is no meeting of the minds as to the essential terms of the contract. In this case the price/cost is an essential term which is missing because the language "for whatever the insurance company pays" is not specific enough or certain enough to be a meeting of the minds. As to whether or not the agreement was illegal, most state statutes make it a crime to adjust a claim without an adjusters license. In this case the contractor could be said to have been adjusting the claim because the contractor was determining the amount of damage. But, this is best left to the state attorney to determine if they want to prosecute a contractor for such a crime. The issue should not be brought up in a civil court because, as argued by the claimants attorney, anyone estimate to repair any damage, including those in a car accident, would fall under the same principle and be illegal and therefore invalid.

@donalexander322 Год назад

I Had roof damage during a severe storm in Duluth Minnesota. The State Farm adjuster was wonderful and paid for everything except for my deductible. Can't speak for all cases, but mine was fair and quick.

@jaycin11185 Год назад

This was like an exclusive episode of the teacher from “Charlie Brown” to me.

@deanthomson1654 Год назад

Those judges buried that poor lawyer trying to defend state farms terrible business practices.

@MarshallLoveday 2 года назад

This all boils down to control, and who is acting in the best interest of the homeowner? On the insurance side, the insurance company may feel that the contractor is attempting to be paid thousands of dollars for unnecessary work, and with the contractor in essence negotiating FOR the homeowner, it makes their job harder to limit the scope of the covered claim. On the homeowner's side, they may believe the insurance company is trying to get out of paying all or part of a valid claim. If, as a homeowner, if I were put in the middle of a situation like this, I would be inclined to hire an expert roofer to offer their opinion as to the necessary scope of the work.

@kaotikwunn3949 2 года назад

come on...$77k for hail damage? sounds like a dirty roofing company more than a bad insurance agency

@davidh6818 2 года назад

It depends on many things,including the size of the house and what type of siding was on the house that had to be replaced.

@TheGregWallace 2 года назад

And the owner of 33 carpenters is a Felon.....what do you expect.

@brandonkostinsky2373 2 года назад

@@TheGregWallace Interesting

@kaotikwunn3949 2 года назад

@@davidh6818 its a roofing company,,, they replace shingles not siding, i could see $20-25k, but the jump to 77k is a bit ridiculous

@bradstarbuck7933 Год назад

@@TheGregWallace the owner is a shyster who hired a contractor, the only one who speaks english, most generally; to come in for a lesser degree of pay and under the table to replace the roof on a customer's house or the boss's house? The boss being the homeowner and the customer at the same time. These weak azz bosses/homeowners paying for services on their safe haven from the outdoor elements, think their employees who they did not realize that none of those 15 individuals are going to be there for their customer service needs that of which being a correct and proper quailty install that meet the manufacture satisfactory direction of installation. 14 years of roofing a person will see a lot and learn a lot if they choose to engage their minds to do so. $1000 bucks I don't have to place a wager that this was in fact a large group of people of being actual family or in laws or nothing to any of them, except a financial break in their share of the cost of rent from those other 14 that are also living in the same and most likely 2 bedroom dingy house where roache infestation occurs as there isn't enough after under cutting bids out from under the ones who take pride in their work, which forces them converge like sardines and able to send some back to where fled from so they can be like Navin R. Johnson, in the flick "The Jerk" with Steve Martin; by sending a note with a few dollars telling them how great their are doing and how they will send more next time while those particular people are at the same time taking food off the table from those bids they undercut forcing those smaller and most reliable companies out of work, which robs them of food off their table. Hatfield and McCoy's? Sentence of death, for theft of a single pig of many meals. But now, this nation caters to those that are ripping off citizens who work hard to provide for their families of also, many meals. How many do you encounter on a daily basis that are weak and don't rise up with a backbone with the don't tread on me mindset, like the American motto was. Was, because now? It's now: eww don't touch me. Bunch of lost and blind pansies and that is what it is until you question what is. 👆

@chrisperkins4728 2 года назад

How did the court rule on this case?

@charlescasselman977 Год назад

if you're questioning the integrity of an insurance company......what freaking integrity

@ralphh.2200 2 года назад

I had State Farm's top tier Home Owners Policy for 25 yrs. Then lightning caused 206K in damage.The original builder bid that 206K. State Farm accepted the bid, and paid it, along with two supplementals, which were well-presented and documented.I was my own General Contractor and kept my eye on both the carrier and the contractor.Because I had the premium policy, State Farm did not try to squirm very much.The contractor actually paid me for the supervision.

@indigothecat Год назад

The insurance company's actual beef comes in at about 32:08. (The earlier portion is them trying to get a dismissal of the lawsuit by citing legalese as the reason, that the contractors "have no right" to sue them.)

@Lauren-yt4yg Год назад

Is there a case number on this?

@chuckschillingvideos Год назад

It's very fashionable and cool to lambaste insurance companies. And yet were it not for them, none of us would be able to acquire assets bought on credit. None of us would have health insurance. None of us would be able to drive a vehicle without creating a massive escrow set aside to settle any potential torts we might commit with our vehicles. Insurance companies make modern living possible.

@plekkchand Год назад

Oh yes, without insurance companies, we would not be able to draw breath. Right. And of course, everyone here is criticizing insurance companies for their very existence, rather than for the abuses that many of them perpetrate. Right. (Though I must grant you that without health insurance, we wouldn't have health insurance. )

@Eric-gi9kg Год назад

Love the fact that State Farm is getting the "screws tightened". State Farm dropped me COLD after a ticket I received. I wasn't speeding, reckless, or intoxicated. It was the first one in over 10 years. Prior to that I had two..one moving and a parking ticket. Since then friends that have them, have had nothing but trouble getting claims.

@baladi921 2 года назад

"Like a good neighbor, stay over there."

@sgtfrankrock8875 Год назад

This state sumpreme court ruled in State Farms favor stating that the law invalidates the assignment of claim from the hone owners to the roofing company because the roofing company didn't have a license to perform claims adjustments.

@danielbrown8602 2 года назад

I had to fight USAA to get my roof replaced. It was a terrible fight. They said because of where I lived they couldn't provide me a contractor. But then they said they didn't like the contractor I had picked out. The adjustor from USAA showed up to my house to measure the roof WITHOUT a tape measure. My contractor saw the lady stepping it off. The house got under sized and the garage was over sized. Stay away from USAA home insurance.

@deeppowhazylab 2 года назад

Damn I love my USAA insurance, sorry for your bad experience.

@vdcjr Год назад

They use a satellite computer app to measure the roofs now. My adjuster recently didn't use a tape measure either... Nor did the roofing contractor...

@danielbrown8602 Год назад

@@vdcjr she had nothing in her hand.

@johnhamburn3845 Год назад

nice try they were the best in my experience

@danielbrown8602 Год назад

@@johnhamburn3845 you got lucky

@Tker1970 Год назад

When State Farm screwed over customers/contractors after the series of hurricanes in 2005 (i think it was 2005) I decided we would never be a state farm customer.

@davidcarroll2908 Год назад

Osha requires a safety watch, while workers are on a roof if there is not guard rails.

@libertyforall5764 Год назад

Video starts at 2:38

@tedhart4468 Год назад

I’m not sure why or how they can reject a claim after they approved it once with the claim the contractor isn’t a public adjuster the contractor didn’t do the adjustment State Farm does those they show up look at the damage do a estimate of cost to repair and issue a adjusted check so it was State Farm who was the adjuster not the contractor

@echtigren8188 2 года назад

Why would Residential contractors not be legally allowed to take post loss assignments? Why was this law created? Out of fear the contractor would not give a reasonable estimate to the insurance company?

@alexcannon9364 Год назад

I would guess to reduce "ambulance chasing" from bad faith contractors.

@user-rk4zm3nb5f Год назад

Early 80's after a bad storm with very high winds homes on either side of mine all up and down the block had roof damage and were getting their roofs repaired. State Farm denied my claim. Took quite a while to get them to accept my claim.

@drahunter213 Год назад

Statefarm management needs to be dismantled and reworked…or just remove the place entirely…sooo many negative things are said and it’s reputation is in shreds…it’s unimaginable they are somehow still in business…gotta have protests or something about insurance places like this and fight for change because of how they treat people..disgusting management there absolutely inhuman

@mikeg4163 2 года назад

The irony of insurance co complaining about escalating cost…

@rickj1983 2 года назад

It's called hypocrisy.

@peppermintpig974 Год назад

Matching issues happen. She's implying the matching issue is due to delay. A lot of talk for someone who has yet to establish her claim.

@robertangelier4495 Год назад

My question is the brought up the siding didn't match the roof, whose fault is that and then the insurance company had to cover also the siding? That's a whole different animal that should have been brought up. You get the contactor to be there when the adjuster is there to catch things missing.

@iorewp Год назад

As a contractor of 43 years I understand State Farms position. The toilet is mandatory is some instances but predatory contracting goes on all the time with initial knocks on the door. Not saying 33 contractors is one of those but many states on their consumer affairs websites urge homeowners to do due diligence on contractors who practice this way. I have dealt with many insurance companies and yes, you have to play the game in many instances to make sure the customer gets "like for like product matching/replacement".

@donnieporter7890 Год назад

In my state about the insurance companies have deleted overhead and profit on roofing. When u have a loss and u have 3 trades working on a job the insurance company Have to pay O&P and they took out roofing as a trade so they dont habe go pay. 10yrs ago u have to have 6 hail hit per square per side then it goes to 10 to 12 hits they do what they want and its up to the policyholder to fight them. Been doing this work 33yrs and last 5 yrs i haven't done 1 insurance job cause ther crooks

@james-gq6rr Год назад

I have yet to see a roofing contractor place a toilet or perimeter fencing , etc . And yes I have seen these in estimates from roofing contractors. I am an adjuster and have worked in construction for over 25 years and see roofer complaining about insurance companies getting rich but neglect to mention roofing contractors in Florida are becoming millionaires suing insurance companies. They do not care about the insured, Just the roof sale.

@philhoward8768 2 года назад

Gotta watch it too. I called my insurance about my roof, it had an actual hole in it (see through hole), and the insurance company told me if I make a claim that my insurance rate was going up!

@retrobox5677 2 года назад

made claim then change insurance company.

@MrCaymus 2 года назад

They can’t do that

@markmtack Год назад

Do you have any video's covering roofing contractors returning deposits to home owners after about 7 months with a agreed & signed contract? Usually consumers are given a 3 day grace period to cancel any written & signed contract what's the law that gives a roofing company to pull out after 7 months?

@cneubeatz3876 11 месяцев назад

Soent 2 hours on a roof in the hot sun in Florida after hurricane hit with a State Farm adjuster. We marked up about 200 damaged shingles and then he told me none of it was wind damaged 😮 our PA Gottem though.

@burnout_2017 2 года назад

Guess there wouldnt have been an issue with state farm if the port a john and safety monitor were listed as "administrative costs" or "service fee"

@xxSweetStrangerxx Год назад

Someone should sue American water resource horrible new york company.

@motherofthreeb6337 Год назад

Would've love to know the verdict!

@michael-lynn Год назад

A contractor has every right to inspect the property for the insured (its their property) and to be contracted by the insured, as it's the insured's right, per policy, to have their contractor of choice. The contractor is absolutely within his rights to supplement any differences they find while inspecting the property so they can make the correct repairs. This is also explained on page 2 of most State Fraud's estimates, that the contractor should send them a supplement for the insurance approval before the work is carried out. It doesn't take a PA to discuss the supplement/repairs with the insurance company or to write an estimate for those differences. The things pointed out by this state fraud attorney are ridiculous, even according to state fraud's own supplemental guidelines.

@briansmyla8696 Год назад

The problem is that the contractor is the one to benefit by submitting false information regarding the extent of damage found during their inspection.