Insurance not paying accessories...........???

I had an adjuster tell me Snake Farm was no longer paying for pipe boots, sat. dishes, drip edge, vents, etc. unless they are damaged. Then sure enough, yesterday I got a house approved and he paid shingles, tear off, ridge vent and nothing else, he refused drip edge, pipe boots, sat dish. and O&P. I was just wondering if anyone else is experiencing this? It sure makes a hit in the bottom line. I am giving them my price and seeing if they pay or refuse.

twill....I think you said it well....I've never had the....what should I call it?..."temperament", maybe?...Nor timid/consentual enough, to deal with &/or play the insurance game....

OK......now I've got one for you all. State Farm of course won't pay for drip, boots, step etc. I inform him I have never once went to appraisal and not got all of those items including GCO&P. He then informed me State Farm is no longer acknowledging "appraisal requests". He kindly told me his hands were tied and apologized.

I supplement for a living. It is what I do. Even a public adjusters license means nothing to them. They do not care if you threaten appraisal. They don't acknowledge it. They are now refusing to even sign for my registered letters. So here is the bottom line guys: They are the biggest. It is their playground we are messing in ( keep in mind this still is an INSURANCE CLAIM ) and if we don't like it.....play elsewhere. This is their attitude! This is their stance and their wallets are much bigger than ours. We can lose sleep. We can get all worked up and stressed out but in the end they will win unless they screw with the wrong client who happens to be an attorney and decides enough is enough. Spends a year investigating to file a class action lawsuit and then it will take another 12-18 months to reach the court system etc etc etc.

Come on....I know some of you old dogs who have been at this game remember Allstate just a few years ago and nobody wanted to even touch their claims. It is a cycle and we have all seen it many many times. Now it is State Farms turn.

I suggest to pick your battles. I totally agree with all of you and I am on your side but this is a battle you will NOT win. I also suggest to sell your services on quality and not price and deductible waiving. There is plenty of business out there this year and for many to come so if in a perfect world we all got together and didn't waive deductibles, then it really wouldn't matter not collecting an additional $300-400 from State Farm for pipe boots or drip edge. Mark my words fellas.....in 12-18 months a class action lawsuit will be won and State Farm will pay at a later date but for now, hunker down and tighten the belt and either take those state farm claims or don't take them....it's your choice. Just my thoughts!

Yeah, I agree that there are some real "winners" that are adjusters. I have had them not even go on the roof and try to take pictures from the ground, not have a clue about roofing and etc. I find that as long as you have your ducks in a row, so to speak and are very organzied they get in line. They love when you do the majority of their work for them. I just follow one rule.... I am always honest. Whether a homeowner is acting like they won the roof lottery or not. It is what it is. In doing that I have gained the trust of most adjusters and/or insurance carriers and have very little problems when it comes to rectifying a claim. You truly cannot blame an adjuster for being skepticle. I have seen so many false claims and people trying to add stuff on, etc. I could only imagine it is ten-fold for them. Just yesterday I inspected a claim where about six individual shingles had blow on a relatively new architectural roof. It was noted that the shingles where nailed way high and there was only three nails per. Even though I know this probably the major contributing factor in why they blew off and tell the adjuster this, they are willing and/or obligated to pay the claim. However, when they get their "friend" the roofer to go and tarp their entire roof, putting nails through it everywhere when a few peices of ice shield and lath would of been a more than suffcient temporary repair. I mean really? They ruined the whole roof by some jack ass face nailing a tarp with a thousand nails and then want their homeowner's to cover it? If I had a quarter for everytime a homeowner pulled me aside and said can you put this or add this? I will have YOU guys do the work. I wouldn't have to do roofing.lol I do not agree with anyone who says they don't mind or whatever the comment was about adding or falsifying a claim a little. It is that reason why insurance comapnies screw a lot of people with valid claims or make it a pain in the ass to have them paid. Sure I lose a lot of work because for every one of me there is ten roofers who are the opposite and try ripping them off but you know...in the long run it has gave me a reputation that we are trustworthy and in this business, without your word and integrity you are nothing!

TriTown: Before a few years ago I was rarely involved w/ insurance, now that's the majority of my work. At first, I blew a LOT of opportunities for full roof replacement because I didn't know the criteria, or how little of hail damage could call for a new roof. There were many times(and still some) where I'd look at a roof and say nothing wrong or minor wind damage repair, and some other contractor would come along and voila NEW roof. So now, if there is a doubt, I'll tell them to call their agent to get an adjuster out. I HATE that I do that, but I've lost too many roofs because of that but I've also got some roofs that I was surprised about. Some of it HAS got to be ignorant adjuster's though. Adjuster's who know their ass from a hole in the ground normally say "what hail?!"

except in the little old lady's case(s): Everybody is a winner then, most adjusters have a soft spot there! I don't feel bad at all about getting them a somewhat BS claim.

There are many insurance companies that are very liberal with there claims. The fault is with the homeowner for not reading their policy or being simply price motivated when they acquired it. Either way the homeowner must pay the difference. It is their resposibility, we didn't choose their insurance carrier for them. My company does hundreds of thousand of insurance work and we rarely have any problems with them unless ofcourse you and/or the homeowner have a bullsh**t claim. I actually see more claims paid (roof needed replacement 10 years ago, has no ventilation / intake or exhaust, three layer shake that has relied on roof cement for flashing when it was re-roofed that the shingles are falling off and a windstorm damages it)There is a name for it that all the adjusters use "jackpot roof" I now know which carriers that are lean with their claims but very rarely if almost ever see a claim too far off the "going rate" unless again...it is bulls**t. I actually changed my homeowner policies to Travelers because of my experiences with them in the field.

In closing, It is a shame that most homeonwers and too many contractors act like it is free money and try falsify or increase claims. Funny thing is that these are the same people you here whining about how much insurances cost.

tinner666 Said: So? Tell them to call you when theyre ready to sign your contract. Youre doing the work. Not them. So, you do it at your price. Not somebody elses price.

I just wave and leave. If they dont call me later, not my problem. Your price is not My price.

That's my game exactly. I bid the roof replacement, not per insurance adjustment. He signed the contract knowing he will be out of pocket ~$1500 and any plywood we replace. He is a good homeowner, but I've lost plenty of others due to being higher than insurance.

Twill: You think a lot of people jack the price because it's insurance? I run the same price either way, except for some small patches or tarps. Some of them go up a bit for insurance.

I thank God I've never really HAD to play with the insurance co.'s/adjusters to make a living....Some do, and I empathize w/them....I also understand it is very profitable to those that choose that path....However, just doesn't strike me as.....no, don't want to go there....

As a roofing contractor they are a pain in the arse :woohoo: As an adjuster shu-weet :) :laugh: :side: :silly: :woohoo: :woohoo: :side: :laugh: Wake up !!!!!!!!!!!! "have your cake and eat it too." B) :laugh: :laugh: B) Deep Down In Florida Where The Sun Shines Damn Near Every Day

Hit the nail on the head natty!

SF's "report" of sorts allowed somethng like $49/sq. to demo/dispose of and $ 167/sq. for new 3-tab roof..... :silly:

http://badfaithinsurance.org/ Read this and you will be enlightned

We had to fight them on it here,code issues,we sent all the literature we could find showing felt under the drip edge.Gaf has a sight stating drip edge is an important part of the roofing system and should be replaced.They will pay but you will have to fight,i reported them to the state insurance commisioners office for failing to pay for vents,drip edge and o&p.State Farm has gone south as a credible insurance company.

The adjusters are lowballing the claim. That forces the roofer to file a supplemental claim and wait for the money. I have not had any problems getting State Farm to approve my supplements. The packets they send to the homeowner are indecipherable.

The problem is getting the homeowner to trust you while you explain the game. They must pay their deductible. There are too many slap on roofers out there who will cover their deductible, hire a $50 sub- literally using indentured servants to slap on a crappy roof- and the homeowner is left in no better position than he was before.

The homeowner is clueless but happy because he didn't pay his deductible and the slap on roofers were in and out in a day. The CONtractor is happy because he put a couple of thousand bills in his pocket for minimum work. The indentured servants give their coyote a cut and send a thousand bills back south and their families are living high on the hog.

Gotchya. My mind doesn't work in some ways/methods, and I'm out of the loop when it comes to some mindsets. :unsure:

I musta missed something Twill. :unsure: I haven't seen that type of post. I know that in my cases, my price is the same no matter who is paying. The client's roof is my concern irregardless of who the payer is.

roof_dawg Said: Isnt this a pain in the ass. I noticed it about a month ago. I just stated in a post last night that my prices are going up and today I have to argue w/ SF over being $1,400 higher than them on a 5/12 1 layer house at my old rates. They arent paying for drip edge or ice & moisture guard in the valley. Another local contractor also bid it WAY higher than me(he is highest in area) and they still wont budge.

I got SF to pay for drip edge a couple weeks ago where the gutter was nailed into it. Also, Ive heard they will pay for it if the felt is ran underneath the drip edge.

So? Tell them to call you when they're ready to sign your contract. You're doing the work. Not them. So, you do it at your price. Not somebody else's price.

I just wave and leave. If they don't call me later, not my problem. 'Your' price is not 'My' price.