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Message
re: If you have State Farm...hire a public adjuster
Posted on 10/11/20 at 7:35 am to tigereye58
Posted on 10/11/20 at 7:35 am to tigereye58
A person with State Farm insurance hit a company vehicle I owned. It was their fault and I have cameras on all my company trucks.
Ended up having to get the lawyer I use for my business involved. They finally paid the claim plus my attorney fees. It was very aggravating that I had to put money upfront on an attorney to get them to pay for the damage their insured caused.
Ended up having to get the lawyer I use for my business involved. They finally paid the claim plus my attorney fees. It was very aggravating that I had to put money upfront on an attorney to get them to pay for the damage their insured caused.
2
Posted on 10/11/20 at 7:54 am to Stexas
Yeah roofers make money replacing roofs not repairing roofs.
Adjusters call it like they see it. If it can be repaired they repair it. If it needs to be replaced they replace it. There is no incentive either way for an adjuster. The easiest thing they can do is to replace the roof, do you really think they wanna to argue and deal with it?
Bottom line is they have to do what’s right. Not what benefits you or the contractor. If the roof is repairable they repair it. If it needs to be replaced that’s what they do. It’s not an emotional decision. They just try to do what is right.
That’s not to say they can’t be wrong sometimes. But bottom line is that roofs are repairable and are repaired every day due to minor wind damage. Roofers want to replace every roof because that’s how they make money. So roofers saying your roof needs to be replaced may not necessarily be determinative.
Adjusters call it like they see it. If it can be repaired they repair it. If it needs to be replaced they replace it. There is no incentive either way for an adjuster. The easiest thing they can do is to replace the roof, do you really think they wanna to argue and deal with it?
Bottom line is they have to do what’s right. Not what benefits you or the contractor. If the roof is repairable they repair it. If it needs to be replaced that’s what they do. It’s not an emotional decision. They just try to do what is right.
That’s not to say they can’t be wrong sometimes. But bottom line is that roofs are repairable and are repaired every day due to minor wind damage. Roofers want to replace every roof because that’s how they make money. So roofers saying your roof needs to be replaced may not necessarily be determinative.
This post was edited on 10/11/20 at 7:56 am
Posted on 10/11/20 at 8:07 am to ItTakesAThief
Great. You want to repair it. Now you want to argue how many squares need to be replaced right? Bunch of shysters.
Posted on 10/11/20 at 8:10 am to indytiger
quote:
just got a quote for auto insurance because of what people are saying about them here. Holy cow their rates are through the roof. Triple of what I'm paying now.
Yeah don’t use them for auto. I’ll stick with the Farm for that but with homeowners it’s worth it. We know of somebody right now who has a fully functioning large RV they are paying for while their house is getting repairs. No hassle, quick service.
Posted on 10/11/20 at 8:20 am to DiamondDog
Yeah usually repairs are on an each shingle basis.
It you are talking about squares then that’s pretty easy to if you are sloping a roof. You replace the damaged slopes to the hip cap or ridge cap that adjoins that slope. No argument, just a simple mathematical calculation.
Not hard at all
It you are talking about squares then that’s pretty easy to if you are sloping a roof. You replace the damaged slopes to the hip cap or ridge cap that adjoins that slope. No argument, just a simple mathematical calculation.
Not hard at all
Posted on 10/11/20 at 8:28 am to ItTakesAThief
I had 1/2 of my roof replaced after a wind event. I had and still have asi progressive.
They replaced the side the shingles slid off and hip along with the ridge vent and ridge on those sides.
It was a 2 yr old building so luckily GAF still made that shingle line and color.
Not 100% match as shingles colors can vary by mill and even run. It was close to where you did not notice from one side to the other.
They replaced the side the shingles slid off and hip along with the ridge vent and ridge on those sides.
It was a 2 yr old building so luckily GAF still made that shingle line and color.
Not 100% match as shingles colors can vary by mill and even run. It was close to where you did not notice from one side to the other.
This post was edited on 10/11/20 at 8:29 am
Posted on 10/11/20 at 8:29 am to ItTakesAThief
The roof is 15yrs old, and the exact repairs they’re recommending were done about 3 months prior to Laura. Would you want to repair again or replace?
I’m not a contractor or a building expert at all but both contractors told me they wouldn’t do the repairs because they wouldn’t work. I have to trust the guys I know that are experts in their field.
I’m not interested in a guy that told me he’d make $110k in the next three months adjusting claims making the call about how my house is fixed. He doesn’t care about me or my house. My contractor lives in my town and has taken care of my families for a long time.
I’m not a contractor or a building expert at all but both contractors told me they wouldn’t do the repairs because they wouldn’t work. I have to trust the guys I know that are experts in their field.
I’m not interested in a guy that told me he’d make $110k in the next three months adjusting claims making the call about how my house is fixed. He doesn’t care about me or my house. My contractor lives in my town and has taken care of my families for a long time.
This post was edited on 10/11/20 at 8:33 am
Posted on 10/11/20 at 8:30 am to johnnyrocket
quote:
A person with State Farm insurance hit a company vehicle I owned. It was their fault and I have cameras on all my company trucks.
Ended up having to get the lawyer I use for my business involved. They finally paid the claim plus my attorney fees. It was very aggravating that I had to put money upfront on an attorney to get them to pay for the damage their insured caused.
I had a commercial vehicle with progressive insurance hit me and had to hire an attorney to get paid
ETA: I didn’t have cameras and their driver lied about what happened
This post was edited on 10/11/20 at 8:31 am
Posted on 10/11/20 at 8:34 am to BregmansWheelbarrow
You only pay one hurricane deductible per year. If you met your deductible for Laura, any damages or costs for Delta are reimbursed fully
Posted on 10/11/20 at 9:55 am to Stexas
I understand your point. If I had a car wreck I wish that the result was that I would receive a new car as opposed to my car being repaired. But if it’s repairable they will repair it. (This’ll auto is different because auto is ACV and most HO policies are RC) but the same premise.
A roof is the same. Just because a roof is damaged it does not always mean that a roof replacement is required. Shingles can be repaired individually or damaged slopes can be replaced without replacing an entire roof. It happens everyday and is not a problem. Roofers like to replace because they make money that way. They don’t work pro bono.
A roof is the same. Just because a roof is damaged it does not always mean that a roof replacement is required. Shingles can be repaired individually or damaged slopes can be replaced without replacing an entire roof. It happens everyday and is not a problem. Roofers like to replace because they make money that way. They don’t work pro bono.
Posted on 10/11/20 at 10:00 am to tigereye58
State Farm and Allstate are the absolute worst when it comes to actually paying claims and taking care of their insured’s.
Posted on 10/11/20 at 10:19 am to tigersbb
quote:
What many insureds don't realize is that independent CAT adjusters are paid on a tiered basis according to the range of the loss. Thus, there is no incentive for the adjuster to write a low estimate as it would adversely impact their fee. Of course, the insurance companies perform audits of a percentage of the appraisals written to assure their integrity.
Well you are correct for most adjuster, but a green adjuster doesn’t know what to include or not include. Second, State Farm has gotten away from a fee schedule and is paying an hourly rate to field adjusters.
Posted on 10/11/20 at 10:23 am to Stexas
quote:
Both but mostly scope. I’ve had two roofers tell me that I need a new roof. These are not out of towners chasing a buck but guys I trust. The adjuster says I need a bundle of shingles and to reflash two dormers. There’s other stuff but that is the big one.
Ok, so help me out here. Did you stop there? From my understanding, at this point, you call in your contractor, have them itemize an estimate, and then you send it in to your insurance as a supplemental claim.
Is this not what’s going on here?
Posted on 10/11/20 at 10:33 am to Prominentwon
quote:
Ok, so help me out here. Did you stop there? From my understanding, at this point, you call in your contractor, have them itemize an estimate, and then you send it in to your insurance as a supplemental claim.
Is this not what’s going on here?
That’s EXACTLY what to do.
Posted on 10/11/20 at 10:40 am to tigersbb
quote:
How do I go about finding a PA? I’m in Jennings and my adjuster says I have $3900 in damages and my contractor says I have about $28k
What is the reason for such a large discrepancy? What are your points of disagreement? Is there disagreement over the scope of the loss or is it over the costs ?
I can tell you that the difference is that the insurance company is trying to F you. These companies truly believe the saying,”...the answer is NO if you don’t ask.” Meaning, the adjusters report it is a starting point. That is all.
I had a tree fall on my house a year ago. Insurance company “offered” $12K. The final contract was over $40K to complete the job. Just understand that the are out to F everyone, Period. It is how they make money. Document everything, and do not be afraid to fight. I got to the point that i refused to talk to anyone. Everything was done via email. I wanted every single step documented.
The most important thing I did was to get a contractor that is familiar with insurance companies. Be sure he/she knows their systems. Do not worry about how much money he makes, as long as you get what you need.
Posted on 10/11/20 at 10:40 am to Prominentwon
Almost but in reverse order. I called contractor first because I assumed a repair would be less than hurricane deductible. He looks at it says it needs to be replaced.
File claim, adjuster comes doesn’t see any missing shingles but took pictures of the entire south side of the house shingles being loosened and how he can easily lift them 3-4 inches. Doesn’t remove tarps from dormers because he doesn’t want to leave them exposed.
Two weeks later calls and says he’ll give me a bundle of shingles felt and flashing for the dormers and tells me the loosened shingles will reattach after some time in the sun.
Just shy of 3 months before Laura I had both of the dormers reflashed and resealed. They replaced the shingles that were adjacent to them as part of that process. The roof looks like crap now because there’s patch work all over the place.
My agent suggested I have adjuster and contractor meeting so they can talk about it. Not sure if everyone’s aware but there were two friggen hurricanes that passed here. My contractor doesn’t have time to dick around with an adjuster that doesn’t give two shites about him or the roof. It’s just frustrating. Which is why I asked about the PA.
File claim, adjuster comes doesn’t see any missing shingles but took pictures of the entire south side of the house shingles being loosened and how he can easily lift them 3-4 inches. Doesn’t remove tarps from dormers because he doesn’t want to leave them exposed.
Two weeks later calls and says he’ll give me a bundle of shingles felt and flashing for the dormers and tells me the loosened shingles will reattach after some time in the sun.
Just shy of 3 months before Laura I had both of the dormers reflashed and resealed. They replaced the shingles that were adjacent to them as part of that process. The roof looks like crap now because there’s patch work all over the place.
My agent suggested I have adjuster and contractor meeting so they can talk about it. Not sure if everyone’s aware but there were two friggen hurricanes that passed here. My contractor doesn’t have time to dick around with an adjuster that doesn’t give two shites about him or the roof. It’s just frustrating. Which is why I asked about the PA.
Posted on 10/11/20 at 11:11 am to wickowick
quote:
Well you are correct for most adjuster, but a green adjuster doesn’t know what to include or not include. Second, State Farm has gotten away from a fee schedule and is paying an hourly rate to field adjusters
I have not kept up with the fee arrangements in a while and was not aware of the change. You are correct that inexperienced adjusters can create inconsistencies in assessing damages. One day a person is working at Dollar General and the next day they are appraising damages following a hurricane. The problem is after a catastrophic event like Laura the only way to get losses scoped as timely as possible is to send out inexperienced adjusters. By vetting losses as best as possible prior to assignment the bigger losses can be handled by more experienced adjusters.
Posted on 10/11/20 at 11:15 am to tigereye58
I’m going to need you guys to stop slandering these decent, honorable insurance companies.
Posted on 10/11/20 at 11:18 am to tigereye58
I hired a public adjuster with Safeco. fricking scumbags in that shitty insurance company. They give ZERO fricks about their customers OR the small business men they regularly frick. FTR, I'm in the insurance industry in another capacity.
Posted on 10/11/20 at 11:42 am to Stexas
quote:
Tensions are high. It’s easy to sit back and be calm and rational when you aren’t living with the decision of the insurance companies. It sounds like you have extremely relevant information about this subject. Why don’t you offer advice instead of pointing out all of our faults? How are folks supposed to feel any different when it takes weeks if not months to get answers?
I don't mean to sound callous, certainly when you are affected by a large scale event which disrupts your life and the security of your family it can be emotionally and financially stressful. You are entitled to have your claim handled respectfully and equitably to be made whole again as best as possible.
It serves no purpose to have these comments which imply the insurers are just out to screw you over, etc etc which play to the echo chamber of those who cannot objectively view a situation. Just because a contractor gives a self serving inflated estimate does not mean the insurance company is being arbitrary and capricious when their appraisal is lower.
Unfortunately in large events there can be inefficiencies created by the need to have less experienced people pressed into service to try to meet the overwhelming volume of claims and issues being dealt with. Pre-conceived notions from either side serve no purpose.
I would be pleased to share my insights into any questions you might have if you would post them on this board. Hope your claims are resolved soon in an equitable manner.
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