Too many stories from too many insurance companies

Hi, I am a general contractor and an insurance adjuster told me the other day, that they cannot do any repairs on anything with 2 layers or more. So, he bought the entire roof based on that. I looked through the code books and can't find anything to use with all insurance companies. What is everyone else hearing in the industry?

Often, the "minimal" damage is really "delayed" damage. When the roofs get his with smaller sized hail, it knocks off a substantial amount of aggregate resulting in severly reduced longevity.

I have talked to adjusters who have said they don't pay for a full replacement on a two layer roof with minmal storm damage. Honestly there is no reason why they would have to pay for a roof in this case.

Every adjuster is different and some like to pay for everything while it seems some like to pay for nothing.

Anybody ever get a call from a home owner who already had the adjuster out and they bought the roof only to find absouletly no damage present?

Heres another code site

http://bulk.resource.org/codes.gov/

Heres a website for codes for you Bcombs362; I lifted the tidbit from a thread over at JLC.

"You can read all of the 2009 ICC Codes here. http://publicecodes.citation.com/ico...009-000019.htm. You can copy and paste specific sections which you can then print. Change 2009 to 2006 or 2003 in the address line to view those editions of the code."

Free Codes: yippee!

You didn't mention if you were the selected contractor. The H/O has a strong influence on the insurance company. Until the claim is denied it is not over till the fat lady sings. It would be in the hands of the insured until the actual contract is signed and you start work. Supplements can be filed at that time if necessary. There is a bunch more that can be done. It depends on your position in the claims process. FYI http://www.ehow.com/how_5091619_use-resolve-insurance-claim-dispute.html B) :) :) B) Deep Down In Florida Where The Sun Shines Damn Near Every Day

Thanks Jack. I am sure that an insurance adjuster bought an entire roof due to it being 2 layers and we couldn't do repairs on a two layer. Thanks for your input and I will look up that code to see what it says. Really, thanks for your advice.

We had to battle hard to get an insurance company to pay for one that has SEVEN layers LOL! The insurance company had originally only bought the front of the house. We had to argue that we couldn't strip seven layers off the front of the house without creating a serious structural situation.

This locality (near OKC) required permits and we couldn't find anything in the code that would help us. We brought in a structural engineer to prove our claim but he couldn't make the numbers work.

In the end, common sense prevailed and the insurer bought it all but it required a lot of effort on our part.

There is one angle that might work in your favor if you are in the "moderate or severe" hail zone as designated by the 2009 IBC code. According to that chart, you are not allowed to overlay a roof in those hail zones. So, it stands to reason that if you are doing a repair with two layers, you'd have to strip the roof in the repair zone down to the substrate and only lay one layer of shingles. I don't thin that would look good, nor would it make any sense at all.