Insurance Adjuster says roof is repairable. 😂 See how this inspection is ignored & denied?

[@michaelwerbick]

I had an insurance producers license and was an agent.... I walked away 10 years ago. total bs. These companies need to publish the percentage of claims paid and denied so you can choose who to insure your property with.

[@ChicagoRoofer]

What would you say are the numbers percentage wise?

[@Novagunner]

that would actually be great info to know.... i would say AS important as knowing the MPG in a car your buying...

[@ChicagoRoofer]

What percentage would you say is the percentage of claims paid versus denied?

[@ChicagoRoofer]

I agree, we should know!

[@Novagunner]

@@ChicagoRoofer I have know idea... I would assume 5050 around?

[@LordCubbo]

This reminds me of the time that a tree fell onto my grandma's roof; they kept saying that they would not pay because our insurance did not cover that tree type and that because it was on 'public' property, they had to get the city court to pay it, here is the funny thing, the city was willing to pay it as soon as we called it in, a massive hole in the roof so, of course, they wanted it fixed and gone. Still, the insurance company was dragging its feet and giving both parties the run-around. Stating that the roof was repairable and that they would only cover 25% because it was not under the policy. But the city fought back, saying that those trees had been on the hill since its founding, and they required all houses to be insured against tree felling and branch strikes because of how and where the trees were compared to the homes. The tree roots were the only thing keeping the hills standing, so removing all the trees was impossible. Long story short, the city footed the bill and just charged the insurance the cost.

[@ChicagoRoofer]

🤔 Interesting event. Hope nobody was hurt. Where is this home at?

[@askalucas411]

Damn. Wild AF. Yeah that is 100% how these companies operate.

[@etherealstars5766]

City W

[@LordCubbo]

LA @@ChicagoRoofer. The house was in LA.

[@JDBeastmode]

Nah in that case they would pay and sue the city through subrogation

[@Patrick.Weightman]

Yeah man it's repairable. Just tear out like 90% of it and ultimately pay a bill that's roughly the same cost of a new roof and boom, it's repaired

[@ChicagoRoofer]

Boom 💥 is right my man!!!

[@s.m.murphy6776]

Looks like the roof is towards the end of its life expectancy.

[@Hammeredveracity]

@@s.m.murphy6776 I see you continually commenting that reveals you as an insurance boot-licker.

[@chriscornell8810]

Boom

[@Doom2pro]

"We had to repair the entire roof, every last bit"

[@ChickenBoneNews]

That adjuster was a jerk and just had it in his mind that he was not going to be wrong about anything. I am so glad that you documented that.

[@ChicagoRoofer]

Thank you, I'm glad I did too. I don't like recording our inspections but there is a pattern of adjusters who show up and act like this. It sucks when it happens.

[@lopezguy9587]

He was racist

[@defaultusername123]

@@ChicagoRoofer that pattern is policy and it’s disgusting. Thanks for doing what u can to help homeowners fight these scumbags

[@robertsaul586]

He was probably an out of stater. It changes when you meet up with roofers and live where they live and will run into them at the grocery store.

[@zed4229]

@@ChicagoRoofer because staying employed for the adjusters is about screwing the customer or you get fired, they stop calling you out.

[@aestos8673]

I had state farm for 21 years. Started off with auto and then when I was finally able to buy a house, I added that on as well. Fast-forward 4 years to a wind and hail storm in my area. My mother in law has Erie insurance and lives about 12 minutes away from my wife and I. She and I both had roof damage from the hail strikes and strong winds. She called her insurance company, they checked the weather reports for the region and asked for pics if we could provide them. After that they told her to schedule the repair or replacement. No claims adjuster ever came out for her. She had a new roof put on and it was fully covered. State farm sent a guy to our house. He went up on the roof and when he was done he said all the damage was related to the roof being improperly installed, claim 100% denied. In 21 years it was the first claim I had ever filed on my insurance for anything, house or car. I dropped them about a month later and went with the same agent and company as my mother in law. It was frustrating as hell and incredibly expensive. I thought back to all the money I gave them and for what? They will do ANYTHING to not pay for your repairs if and when they are needed. After dealing with my claims adjuster I am not at all surprised by this guy.

[@ChicagoRoofer]

Did you have a roofer at least come out there and show him the damages? It sucks when you're loyal to a specific company and not what you feel is fair.

[@aestos8673]

@@ChicagoRoofer I was naive and did not. Also made the mistake of then having the roof replaced by the company with that cheapest overall price because it was what I could afford. We have since moved but it was just 3 years ago and when I drive by the house the roof already looks like its in need of repair. I have learned some valuable life lessons throughout all of this.

[@MidwestBoom]

Sounds like you just learned about insurance lol

[@snotbubbles3276]

Im thinking you helped pay for the pool at Aaron Rogers house.

[@ChicagoRoofer]

We were able to get this claim from $3,200 to $64k. However, the way it was denied and the games being played should have never happened.

[@Mike14G]

This is why we need to fight the insurance companies for what is right and needed.

[@ChicagoRoofer]

I agree. Only ask for legitimate and reasonable things that apply to a loss.

[@EsSav814]

Physically fight them!

[@ChicagoRoofer]

Mentally yes.... Physically... Meh

[@No.ID_0]

Funny cause they are so quick to receive payments, but the moment someone needs their shit fixed is almost as if you have to beg for something you’re paying for. LOL

[@ChicagoRoofer]

It's funny and sad at the same time but you're so right!

[@BillZo739]

It’s exhausting arguing with someone whose job is to disagree with you!

[@ChicagoRoofer]

So true!

[@unleasheth]

@james ain't that the damn truth! Well said

[@ChicagoRoofer]

😁 truth 😜

[@ChicagoRoofer]

I'm confused what you mean

[@Transidity]

@@ChicagoRoofer They mean you weren't diplomatic enough. But diplomacy was never the problem; the inspectors job is to say as little as possible so as not to prejudice their employer (the insurer) and try their best to minimise any claim. You were never going to get an admission of a problem there, regardless of how diplomatic you were (or how blatant the problem was).

[@VolsPride]

It's ironic that the adjuster is mentioning "conflict of interest". The adjuster, HIMSELF, has a conflict of interest in doing his OWN job because it is in his INTEREST to deny as many "gray-area" claims as possible even if there is irrefutable proof to do otherwise, as is the case here.

[@VolsPride]

@@user-sg8kq7ii3y There's no conflict of interest for the makers of LEO equipment because they cannot turn a knob and "increase" the amount of crime to make more money. But your dentist example is technically correct. My point though is that the adjuster is hypocritical because he's making accusations while he, himself, is not acting in accordance to what his job entails. A dentist should only give root canals to those who need it. That's his job. The job of the roofer in this video is to make a assessment of whether the roof is repairable. He did his job in this video, because that roof is clearly unrepairable. The adjuster's job is to accept or deny claims based on reasonable proof. He was shown CLEAR proof that the claim should be accepted. He did NOT do his job. So he is in NO position to accuse the roofer for having a conflict of interest, when he has clearly succumbed to his own conflict of interest.

[@VolsPride]

@@user-sg8kq7ii3y That we do

[@ChicagoRoofer]

I agree. The interest is to do what is best for the insurance company. They work for the insurance company and not the policyholder.

[@ChicagoRoofer]

Thank you! I appreciate that someone gets it!

[@ChicagoRoofer]

But the whole falsely advertised promise it's that in the event of a loss, you're covered. That feels conflicting as it's often not the case

[@knuckledragger2412]

I've been doing insurance jobs for over 10 years. Not only are most of these insurance companies not covering things they should definitely be covering, the adjusters are highly under educated and really have zero knowledge of any type of construction. Jake is one of the worst... If you have a major claim hire a reputable private adjuster and a good attorney. Let them fight for the money to repair your home. Then YOU hire reputable contractors. Do not use a restoration company unless you hate your home.

[@ChicagoRoofer]

It's become a real problem in the last two years. I often run into people that have no knowledge of construction or building products. In fact, will often call The ridge a hip or a valley the ridge. I've had adjusters that marked up the roof and then patted it down and said they're too nervous they made a mistake. But they all tell me they've been doing this for at least 6 years. Yet they were brand new shoes and look like they're ready to go to war with the amount of things that they have on their belt that they don't need. It would be nice to have people that are actually seasoning doing that job and for those that are seasoned not being told by somebody behind a desk that has no construction knowledge how to do their job.

[@s.m.murphy6776]

Let me guess, you’re in Florida??

[@erickverworren6439]

Great info. Thx!!

[@InbredJed82060]

I agree. I used to work for a restoration company during my undergrad. I had 0 experience in construction, was paid poorly, and was not managed on site. Servpro was the company. Hire reputable people with licenses and reviews. Too many scammers and low lifes out there

[@ChicagoRoofer]

This is very accurate.

[@jeffbee6090]

Keep up your good work...I have a feeling your videos are going to pick up steam and this channel is going to help a lot of people!

[@gflash0889]

This is pretty much every “Snake Farm” claim right now. More and more homeowners are starting to realize how unfair they are. These things come from within the company at the highest level. The adjusters in the field are just following orders because if they agree to a roof replacement they get in trouble.

[@michaelhines4600]

We probably also need to ask why do homeowner not take care of their homes ? Some people will not replace their roofs when they should. They literally wait their entire lives until the right storm comes . They neglect their property. The home does not belong to insurance companies. Imagine having paint peeling off your hood. It’s 15 years old. But you wait for a hail storm to come dent it so insurance can pay for it? 😳😳😳😳 Maybe we should hold off on the expensive vacations and boats and actually save our money to take care of our homes properly

[@ChicagoRoofer]

This home order didn't know his roof was in poor condition. He purchased it and never came up on the inspection report. The insurance company also never chose to inspect the property prior to extending policy. If I was to ensure someone's roof and risked my money, I would go and check the roof out first for making promises that I can't work choose not to deliver on

[@trump45and2zig-zags]

Been good here in SC ks so far, helps we do all exterior work at the local agents house too tho. He usually wants copies of our photos n bids n that's it. Rarely even have to Argue about anything! Had cases they actually paid more than we were charging atm lol

[@Notarobot310]

@@ChicagoRoofer I have worked storms in your state before and adjusters are tough up there. This guy is doing an injustice to the homeowner by not reporting the damages. Honestly you will have to get the homeowner to get an engineer to document the the damage as well as the reparability. Arbitration is where this is going. Also you are correct the insurance has accepted premiums payments with no disclosure the roof was not covered within the policy, Keep going you'll get it.

[@ChicagoRoofer]

Tim, appreciate the confidence! Original estimate for what was surges was $3,648.51 it's finally worked and missing a few things but at $59,047.26. This all started in November of 2021 and got approved 7/26/22

[@ramon3300]

I will always use a private adjuster and an attorney when making an insurance claim. NEVER go alone against an insurance company.

[@ChicagoRoofer]

💯% Agreed!!!! Someone needs to know how to identify all the collateral damages and establish an event happened or the size is consistent with the damages observed to the shingles or siding.

[@vplgery]

How much to pay for a private adjuster and attorney?

[@ramon3300]

@@vplgery It depends on the claim, a private adjuster will get 10% - 20% from the insurance money. However they will get a higher amount than what the insurance will give you. The attorney I am using works on contingency, 30% - 40% from the insurance money.

[@vplgery]

@@ramon3300 thank you for the information! I appreciate it

[@ramon3300]

@@vplgery It is just like an injury attorney, if you don't get any insurance money, they don't get paid. Needless to say, always make sure to read the contract.

[@axiswolfstar]

As a home inspector I’ve also seen the opposite. Said a roof was good (it was 8-10 years old), and insurance company told the client (buyer) that they needed to replace the roof before they would cover them. We brought out two roofers who both said the roof was good and they didn’t see anything that needed repaired. The adjuster insisted a new roof was needed for them to cover the property.

[@ChicagoRoofer]

I've seen that happen too.

[@8180634]

Happens here in FL all the time. We were dropped due to the age of our roof even though the inspector said it was fine.

[@ChicagoRoofer]

Sorry to hear

[@8180634]

@@ChicagoRoofer thanks, insurance is a mess here. And crazy expensive, $6500 this year for a standard 4bdr house with a new roof and impact windows and doors.

[@duainejanes8240]

That don't make sense. why would a roofer trun down a job?

[@Mannyp91]

Where exactly are all the wind damaged shingles? I saw maybe a few near the edge marked but the shinlges are way past their life span. How and why should that be the insurance companies responsibility to repalce a roof that was in prior need of replacement?

[@ChicagoRoofer]

The insurance company had no problem insuring the property in the current condition. If they didn't check out the current condition, that's on them, right? Would you insure a property and say I have 100% responsibility for this property if anything goes wrong but never check it out? The truth of the matter is the roof was old, it didn't have any damage prior to this loss, the insurance company agreed to ensure the property for any future losses. The property suffered a wind damage claim, leading to the consequential damage that led to the full roof of placement. The total loss was $63,000 and thankfully the insurance company after a few nudges and pushes paid

[@Mannyp91]

It would be impossible for insurance companies to inspect every property prior to agreeing to insure them, but they don't have to because policies are written to exclude prior damage and normal wear & tear. The way you are putting it makes it sound like if someone were to take out a new policy on a beat up old car with 4 prior accidents,it should be the new insurance companies responsibility to repair all that old damage? That makes absolutely no sense and is considered fraud in some cases.

[@ChicagoRoofer]

@@Mannyp91 that's kind of an odd approach. Why would someone take on any risk sight unseen? Anyway, it really doesn't matter because the condition of the roof contributes towards the reason why I can't be repaired in the first place. Roof was paid for. Went from 3 k to $62k

[@gc6329]

There is a whole career field of people who combat this. They're called private adjusters. Private adjusters get paid based on the claim/ recovery amount, so they have an incentive to find and document ALL damage and ensure that it is replaced properly. If you feel your insurance company is jerking you around, get a private adjuster involved and they will change their tune very quickly.

[@bunnypeople]

Exactly this. Contractors and PA's that argue this shit out in the field is so unprofessional and a waste of time. This adjuster is clearly new, so stop arguing and just request another adjuster (and maybe don't attempt a shingle repair in the middle of winter)

[@oNeGiAnTLiE]

Actually the cold temps makes for optimal conditions doing this sort of repair. The seal let’s go much easier when cold.

[@exaltedalpha2610]

@@bunnypeople You need to address it in person, otherwise the insurance company will hide behind their computers and deny deny deny and attempt to ghost. As a PA, nothing makes me happier than to meet the insurance adjuster out on the field because 99.999% of the time they have zero clue about what they are talking about.

[@coolintheshade]

*public adjuster

[@WeFindSimpleSolutions]

Good video, I fight this fight every week, I had one with State Farm where I did a video showing that a repair was impossible, they sent out their special adjuster who watched me do another one, it destroyed the Shingle and he said no it’s still good as I’m filming it, he’s standing right next to the destroyed shingle and he’s like no it’s definitely still good, it was the funniest thing in the world and the homeowner did not want to fight with them any longer, he did not want to bring in a public adjuster or an engineer so state farm won, and that’s obviously why they do this because across-the-board there’s a large percentage of people who just give up

[@ChicagoRoofer]

It's like the book from good hands to boxing gloves. If you denied defer and defend the claim most people will give up. I feel lucky to be a public adjuster and a roofer. It gives us an edge but it's used properly the unfortunate part is how much you have to spend your wheels to get something done even the original adjuster many times on an inspection will agree with you is not possible or not repairable but complain that management will stick again down and to not be upset with them. This is causing a lot of adjusters who have been in the industry for a very long time to quit. They are being replaced by younger adjusters who have no idea what they're doing and have never done any type of construction. Now they can just claim that there was a lack of experience that led to this problem. In fact, on this specific claim the adjuster told me he's not paying for anything before he even got on the roof. In addition, if you listen in the video, he says that there is a conflict of interest because I'm both a public adjuster and a roofer. I feel that he has a bias towards roofers and public adjusters and the tone was very clear that he doesn't care to pay for stuff that's legitimate or reasonable. During this inspection he also said he refused to document a reasonable attempt to repair because management doesn't allow them to. To me that sounds like if I don't see it then I don't have to report it then I can deny it and I can't be held accountable. Sad how difficult things got or the last 2 years. Sad to see very good hard-working adjusters leave the industry only to be substituted with sub par ones

[@maxsteel6092]

@@ChicagoRoofer Insurance does not cover wear and tear If you can not repair the roof it is worn out I am work for the insurance industry and beat ambulance chasers like you all the time Of and my public adjuster trumps your adjuster And my credentials as a roofing expert trump your knowledge.....with that said if the claim is just I overrule denials from insurance adjuster

[@ChicagoRoofer]

You're misinterpreting the policy. You're right, the insurance company doesn't owe for wear, tear, and deterioration. Had the homeowner filed a claim and no wind damage was present, the insurance would not owe. When giving the homeowner the policy, it's the insurance company's duty to determine if they want to insure the property. They could easily come out and determine if they want to assume any risk. But, by extending a policy to the homeowner, they are telling the homeowner that they will ensure their property for any direct and physical loss. The covered peril on this one was wind damage. Repairing the wind damage shingles is not possible due to wear and tear and for that reason a repair is not possible. When you can't do the repair, you're forced to do a replacement. How long have you been an adjuster?

[@shaneatl]

I'd say the "ambulance chaser" led you around by the short and curlys while teaching you about your job

[@ChicagoRoofer]

I'm really not sure what you mean.

[@augere9620]

Dude should run for office beating around the bush like that. Never trust someone that can't answer a yes or no question.

[@ChicagoRoofer]

Roofing inspections do feel a lot like running for office. Lol 🤣😆

[@chhansen9813]

Of course not every question can be answered with a yes or no

[@augere9620]

@@chhansen9813 when it is a yes or no style question, yes it can be. Did you even watch the video?

[@chhansen9813]

@@augere9620The video has absolutely nothing to do with it, genius!

[@chhansen9813]

@@augere9620 liking your own comment just makes you look like a bigger clown than you alrteady are!

[@midiman5045]

That is the insurance companies they only want money in. I am not a roofer but I understand what you are saying you can't repair the roof because when you are trying to take the shingles off they are getting badly damaged.

[@ChicagoRoofer]

Midi, you're awesome! Thank you for chiming in. This proves that people without an agenda or a checkbook can in fact come to the same answer and see it's both reasonable and legitimate. Thanks again :-)

[@tastelikechinahadababyandn9928]

Cause there's a correct way to lay it down. Those roofers nailed the shit out of those slates. I'm a mom and don't know shit about roofs but I sure can construct a problem professionally and use my critical thinking.

[@ChicagoRoofer]

Thank you for your feedback!

[@tryintosurvive88]

So I'm guessing, the insurance only wants to pay for certain shingles to be repaired instead of the entire roof?

[@ChicagoRoofer]

Yes, that's what the original scope of work was.

[@johnthree1611]

I worked as an adjuster for years, with one of the largest most popular insurance companies. Management trains you to think that you know how to visually tell when things can and cannot be repaired. They do this so that we pay less money on claims. People who fight our coverage decisions, tend to win in the end, whether it's after management speaks with the legal team and confirms that they could be sued, or the insurance company doesn't want to be sued. Insurance companies only care about paying as little as possible. Even Independent adjusters that we hire from other companies, have a conflict of interest, because they always lean towards the insurance company, and don't want to post business to the insurance company.

[@pastortroy777]

Quote Upton Sinclair: "It is difficult to get someone to understand something when their salary depends on them not understanding it.' Honestly, it amazes me how these people can lie as easily as they breathe.

[@myobmyob2215]

Had to scroll down way too far to find Sinclair's quote that I point out in almost every business problem

[@ChicagoRoofer]

This is such a great quote!

[@BoofOregano]

The salary doesn't depend on not understanding you jackass, it's literally they get paid by hour. Contracts are made to be read and not just signed, in the insurance business it's all laid out extremely detailed all you have to do is READ. Most of the situations of people complaining that adjusters are only out to screw them over don't even have the loss covered in the contract then complain they don't magically cover something they never agreed to have covered in the first place.

[@tomockey3825]

I’ve been a builder for 50 years and it’s obvious that the shingles are shot. They’re brittle and will break if they are fooled with at all. I’ve had many battles with insurance companies over water related damage claims. They’re mostly one way idiots, don’t pay the claim.

[@ChicagoRoofer]

Up until 2 years ago there were many more intelligent adjusters. Those that knew how to articulate the "why" in their decision. Now, many have no clue how construction or the policy works. But, they have the most to say and don't sound to bright. My least favorite comment, we don't pay for that. Hmmm..... Let me know you 600+ times you did. They all started the same way.

[@surveysays8335]

But why do they pay claims for roofs that have problems because they've beyond their useful life? Insurance is for when a GOOD roof damaged. That roof is damaged BECAUSE of its age..

[@dannyg2197]

@@surveysays8335 That's not true at all. If that were the case then the insurance company shouldn't have been collecting money from them every month

[@surveysays8335]

@@dannyg2197 Insurance isn't the same thing as a replacement/maintenance plan. Claiming wind damage on a roof that's singles are BEYOND useful life is asinine. I feel like I'm paying higher premiums because people trying to scam their homeowners insurance. If you have a 28 yr old beat up rusted out mercedes benz and get into an accident, do you expect your auto insurance to give you the cost to buy a NEW Mercedes?

[@willhwiltjr]

​@@surveysays8335not only is your analogy apples to oranges you don't understand the problem this video covers the reason the roof is not repairable is due to the installation of the roof not due to neglect or being past its "useful life". the conflict that has arisen is because the insurance company did not do its due diligence before insuring the property. if they would have inspected the roof a competent inspector would have pointed out the problems that the second bit of adhesive would cause and the insurer would have stipulated a new roof before insuring the home. if you wanted to compare apples to apples it would be like Mercedes failing to QA your Mercedes and then having to replace the engine after you drove over a speedbump and the engine fell out after less than 750 miles. so no you're not paying higher premiums because people are trying to scam their insurance your paying higher premiums because your insurance company is lazy and litigious.

[@AceSolomon94]

I'm seeing a frequent amount of videos of roofers arguing with state farm adjusters 😂 Now I know *WHO* to avoid when I need home insurance 👌🏾💯

[@robertgarrett7007]

Not so fast. I agree that all insurance companies have their bad points, but I will personally vouch that Allstate sucks much worse than State Farm. Just my experience.

[@ChicagoRoofer]

I will only say that it's a large insurance company. Some say size matters but I'm not convinced it is in insurance claims.

[@ChicagoRoofer]

It's not limited to one insurance company. This has become more frequent on most carriers.

[@jpablo700]

I have State Farm and had storm damage last season. They paid for all repairs with no hassle. Man, sucks reading about all the people who have had problems. 😔

[@mph5896]

How old is that roof? 20-25 years old?

[@ChicagoRoofer]

At least 20 years old.

[@MelodicMizeryPs3Vids]

roofing is such a nightmare. my house needs a patch on the metal, i have a golfball size crack i fille din with caulk and need something over that. plus i need a permaboot. nobody wants to do the work and if they do they want to charge way over price

[@johnbeckwith1361]

Why would insurance pay for home owner maintenance?

[@philipyoung7748]

Stating that the roof is not repairable due to installation errors is kind of a tricky approach. Theres typically no coverage for that and you would need to redirect the full replacement to the previous roofers liability carrier. You’re probably better off approaching this as unrepairable based on a brittle test. The granule loss is also pretty severe on this roof which makes repair more difficult. All in all id say this is probably a pretty new adjuster and hes reeling at being confronted, a reinspection or AUP should get it sorted.

[@lalim5743]

Agreed, especially when insurance companies specifically do not insure for wear and tear, age or weathering and granular loss is the main indication of those things.

[@someone-ji2zb]

Yea, there is logic to denying this claim. I think the big issue is how the adjuster handled it. At the end of the day, roof claims are pretty tough, as many roofers simply suck at their jobs and/or cut corners. Insurance companies have known this for a very long time. Especially in regards to adding extra sealant when it is unnecessary (usually to get away with using cheaper nails or fewer to meet wind ratings).

[@ChicagoRoofer]

You would be 100% correct if it was a claim for installation errors or wear and tear. Each are not covered as a covered peril. However if they contributed due to a covered loss then it would still be covered.

[@philipyoung7748]

@@ChicagoRoofer But theres no covered loss here. No hail damage. What was the outcome?

[@MelonSpecter]

@@philipyoung7748 Wind damage was the cover

[@Cameron-ur2tk]

I did not know being legally blind was a requirement of being an insurance adjuster.

[@VoiceULove]

I had the same problem when I was living in El Paso, TX. I had a roofer come out who was VA friendly and said my entire roof needed to be replaced. My insurance company sent someone out and said only a couple areas needed repair. It would seem to me that insurance companies aren't doing what they're supposed anymore as if they don't make enough money as it is.

[@ChicagoRoofer]

If only contractors had the budgets of insurance companies to make themselves look good on TV.

[@lifeintheliliesfishing9840]

Yes trust the guy whos getting that paycheck from the insurance company lol that's a smart move, I'm sure he was on "your" side BAHAHAHAHA

[@Cnupoc]

Sooo how did the lawsuit go?

[@ChicagoRoofer]

Lucky we didn't have to go that route. Insurance company's in Illinois know that it's often not worth it since each party covers their own legal expense unless it's bad faith.

[@CSJiGSaW08]

Do you have to use separate ladders? And why?

[@ChicagoRoofer]

They often say it's due to liability reasons.

[@robertwright5535]

I take my hat off to this gentleman for his patience,because Jeff would of had to learn how too grow a pair wings😅

[@soopsoopdawoooop5586]

so sad what insurance has done to home ownership and construction its sickening / Some people dont even have a roof

[@box294]

@Nkoreanspy ur a dork, 1 million is such an unbelievable small amount you couldn't even retire off of it 😬

[@williamrichter9965]

I'm a roofer in NY. We deal with this all the time . The insurance companies pay these guys alot of $$$$$$$$$ to basically screw the homeowner or a business. My best friend worked for them but couldn't stomach it no longer. Every DAY this goes on..........

[@ChicagoRoofer]

I wish there were a whistle blower on the carrier side of the business.

[@coloradostrong]

_Alot_ is a town in India.

[@ChicagoRoofer]

What did your friend say they did that was not fair it right?

[@bloodborne4pc868]

I'm an adjuster, I wish my carrier gave us cash incentives to deny claims

[@ChicagoRoofer]

What insurance company?

[@ChErRyaVe20pK]

Any updates? Would like to know what happened afterwards!

[@mariopoulin7369]

It looked like a 3/12 pitch roof according to manufacturer you have to put tar on the nail which roof that are under 4/12 for warranty and wind?

[@cknorris3644]

I'm in the insurance field. 99.9% of adjusters haven't even pounded a single nail in their life let alone laid a shingle. It amazes me the idiots they send to peoples homes to inspect for "damage". Come out with a notepad, no tools or equipment and ZERO construction knowledge. And then they have the nerve to argue with you like they know what they're talking about. 🤣

[@ChicagoRoofer]

⬆️ 👆 I couldn't agree more!! But, I don't blame the guy coming out. I blame management for poor training or brainwashing them so bad that they are afraid of submitting what the strongly believe is the appropriate thing to do based on the facts presented to them. That's why they don't last very long. How can you sleep at night knowingly hurting people entitled to what's fair and just.

[@graemeballantyne462]

It always surprises me to see bitumen shingles being used on a roof. Here in the UK we generally use clay or concrete roof tiles, although nowadays metal or composite tiles are becoming more common on new build houses. Our house was built around 1938 and still has the original Belgian terracotta roof tiles. We do need to re-roof in the near future, but those tiles have lasted something like 85 years. Having to re-roof every 8 to 10 years seems a bit crazy to me, never mind having to tussle with claims adjusters and insurance companies bent on minimising their losses.

[@graemeballantyne462]

I was going to add that we only use bitumen roofing on outbuildings and garden sheds.

[@ChicagoRoofer]

It's interesting for sure. Wish the market wasn't to dry clay or metal roof. However, we also dying build homes with cinder blocks or concrete, just the footings. Where you located?

[@hajjdawood]

In America there is far more natural disasters like hail, hurricanes, tornadoes. That said metal roofs are superior. Clay cracks with the aforementioned disatsters

[@dondevers]

I wonder if the adjuster gets bonuses if the claims are denied??

[@ChicagoRoofer]

I don't think they do. But I've had the grumpy guys tell me they used to be a roofer and we make too much money. Followed by a denial. 😂😆 😭

[@EdwardRatliff]

Independent adjusters get paid based on the damage. The more damage the more they get paid. Staff adjusters may be paid different. I don’t know.

[@aPuBlickAdj]

Respect to you for being professional and level headed!

[@ChicagoRoofer]

Thank you for the kind words. I don’t get many of them. I Appreciate your feedback and support

[@Robinhood179]

Fortunately when a Microburst damaged my roof, and having several roofers come and inspect, Insurance did replace the entire thing. First roofer said insurance would most likely cover half the roof. My insurance agent recommended me to a fixer upper guy to patch the roof. I kept going till it was approved and before my rates doubled and eventually dropped them. Why do we have insurance again?

[@Oiler-ni7rq]

That is definitely 100% repairable.....by replacing the entire roof 😆

[@chazman4461]

LOL that is what I was thinking.

[@edmundworrell2660]

What insurance company/carrier does this adjuster work for? My experience is that when field adjusters are this stubborn and dishonest it is because the insurance company/carrier is having financial problems. My assumption or supposition - since I am not present in the insurance carrier's internal meetings - is that the carrier then instructs their field adjusters to not see what they see, and to find any and every reason to deny a claim, not matter how justified the claim. Such an insurance company/carrier is a good one for a smart consumer to avoid. So what was the name of the insurance carrier that this field adjuster worked for again?

[@ChicagoRoofer]

For many reasons, I'm not in the position to state who is for now. Although we're seeing a pattern, I'd like to think this will be a trainable issue and won't continue. It unfortunately has been going on for a year though :-(

[@hubes96]

@@ChicagoRoofer this has nothing to do with training. I wont say what I do, but I can tell you what is going on. Insurance companies work in cycles they all have different length of cycles. They will build up their reserves to the billions mark (by denying claims and collecting premiums) so investors see how well they make money and their value goes up along with stock prices. Once they get to their number. Guess what happens when you have billions of dollars built up you have to start paying taxes on it so they spend it all by paying out claims and so the cycle continues. So it doesn’t matter what you try to do even threat of appraisals or court wont change their stance they have a one track mind during their cycles. They will take the chance because the numbers tell them over time they still come out ahead fighting a claim to death! You just have to come to peace with the fact some years this company will pay out and some years they wont.

[@ChicagoRoofer]

Interesting observation. I didn't know this is how it works. Any other good insight?

[@ChicagoRoofer]

All I can say is it's a big company that advertises a lot on all the media platforms

[@ChicagoRoofer]

🧐🤔 why you say that?

[@SuperEddietv]

Florida roofs get welded together like this in a few short years. No extra "bonding" necessary. Its a claim nightmare.

[@ChicagoRoofer]

Florida has some of the strictest codes for installation. The process is more labor intensive for sure!

[@j.a.3138]

only in central FL and north. South FL we have clay tiles

[@ChicagoRoofer]

I love the look of clay tiles.

[@trothwell]

Curious, im in Australia and ive never seen this type of roofing before. Can anyone explain the difference between this material and why it appears to be more commonly used in the US

[@ChicagoRoofer]

It's typically a fiberglass matting with asphalt and granulars to make it look nice while protecting the asphalt from the sun so it doesn't crack or become frail.

[@64616e]

is this natural damage from age? how can you claim this on insurance? its not an accident so how can you claim that on insurance to get a free roof?

[@Monuments_to_Good_Intentions]

My mom is going through this right now. They sent her a check and said roof is repairable. And not covering the damage to the siding. Im so pissed off. I really hate insurance companies. They are probably worse than politicians. I would put them all on the same titanic and not have life rafts.

[@jony891]

That sucks

[@ChicagoRoofer]

What state/city are you in? Maybe, just saying, i might be able to find the right guy for you

[@Monuments_to_Good_Intentions]

@@ChicagoRoofer monrovia Indiana

[@ChicagoRoofer]

I'll check if I know anyone there. Please do remind me if I forget to let you know who to call

[@danbiss87]

what was wrong with that roof? I didn't see the wind damage, and the roof appears to be at the end of its life anyways. If I was an adjuster for an insurance company I wouldn't approve a claim. The homeowner is just trying to get a new roof.

[@ChicagoRoofer]

The insurance company should have told him it is uninsurable. The age and condition is why it can't be repaired and why it's owed for.

[@danbiss87]

@@ChicagoRoofer They have no obligation to provide funds for a roof that is at the end of its life. I didn't see you point to any damage caused by the wind. I just saw an average looking old roof. If damage did occur from wind or whatever, then sure and maybe it did. I just didn't see it in the video. I only saw you making the claim that its not repairable, and your right on that.

[@ChicagoRoofer]

Hey, thanks for your feedback the insurance company extended coverage for wind damage on two roofs on this property. They agreed there was wind damage on both. Then when it came to doing the repair that they paid for, it was impossible to complete that repair. That's the main reason why this video was done. In addition, I had a separate video originally been done on my cell phone but it died during the recording so I had to use the homeowners phone..

[@jessieurgea9899]

I. AGREE IVE DONE ROOFING FOR OVER 30 YEARS AND SURE A NEW ROOF WOULD DEFINITELY LOOK BAD ASS!!! BUT WHERES THE WIND DAMAGE,MISSING SHINGLES BENT SHINGLES??? I BET THAT ROOF DOESN'T EVEN LEAK!!!! AS A ROOFER I WOULD NEVER SAY THIS TO A CUSTOMER LOL!!!!!

[@ChicagoRoofer]

40+ wind created and missing shingles. Plus leaking.

[@thebranchmanager7862]

When in a discussion or argument with another person, the other person continues to speak while you attempt to speak, thereby not listening to you, you know there’s a pretty clear problem.

[@GuitarDreamer]

So it takes a crow bar to get shingle off but it has wind damage?

[@OffroadCpl]

The problem is roofers in Florida was scamming the insurance companies now they are broke.

[@ChicagoRoofer]

They did really good PR to make that believable. It's greed on both ends.

[@anthonycales9118]

I work for a roofing company as the operations manager and deal with insurance companies quite often. We currently have a roof in the same situation and Allstate wants to repair 35 shingles on the back 🤦‍♂️. Luckily the state of Tennessee passed an unfair claims act into law that basically says if the color cannot be matched, thus causing an eyesore so to speak, then a replacement is warranted. Now in our case there is no damage on the front, so technically they could just opt to replace the entire rear of the home but in doing so if it causes a noticeable color difference, we believe the entire roof should be covered. We've currently sent a shingle for ITEL assessment. These insurance companies are just making us jump through more and more hoops delaying the inevitable!!

[@ChicagoRoofer]

Great observation. In fact, your insurance company promises to bring you back to pre-lost condition. If you have no matching policy, you still have to make sure that the insurance company brings you to a pre-loss condition. That includes loss of value and loss of appearance which both lead to a loss of dollar amount when it comes to the sale. Nobody likes an eyesore.

[@matthewclaus2393]

Same here in Texas. Also Allstate. I had to get the closest matching shingle, install it, take pictures, and send it to Allstate confirming that repairs would not match. Allstate pproved it right after that. Just another bs tactic to try and avoid replacing a roof.

[@jimbo1959]

If you can't see the front and back at the same time, they usually won't cover replacement for the entire roof!

[@RhinoXpress]

The only way statefarm is going to start changing their ways is if videos like these start going viral. I don't blame the adjusters, they are just doing what they are told by upper management. Upper management is the problem.

[@ChicagoRoofer]

💯% agree with you. Often times in the field they tell me they know it's justifiable but management will kick it back after they submit a full roof replacement. I have one right now where they sent their own contractor to suggest that it's not reasonable to replace the roof and their own contractor told them they won't touch the job without a full roof replacement cuz I'm right..

[@timothylove3268]

It's all insurances. We were hit by a Semi while sleeping in our RV area a truck stop. Their insurance Progressive left us with an extensively damaged 43 Ft RV LIVING in it for our job as a oil field worker. Adjuster did a report 2 months after the accident and after 8 months to get into a overwhelmed Collison Repair shop certified for our new Raptor RV, the adjustor sticks to the repair quote even though water, weather of 3 seasons ran through the hole in the roof and windows knocked out. They don't want to total a totaled $114K RV.

[@ChicagoRoofer]

Get a really good body shop to look at it that only deals with insurance work. What state are you in?

[@ChicagoRoofer]

Hope you're all okay!

[@justadbeer]

I don't know what the claims being made are in this instance, and I can assure you I don't work for an insurance co, but I can clearly see this roof is old and shot. The issues generally arise when a homeowner thinks he can get a "free" roof simply because he has home owners ins. This is not the case, as my own brother recently found out on his 22 yr old roof that had hail damage. They will pro rate the roof, which is fair (if the numbers are fair to all involved). He was offered $800 towards the cost of a new roof.

[@inkySaccharine]

If I'm paying a couple hundred bucks a month which easily translates into a couple grand a year to an insurance company that is supposed to insure my home will be taken care of if it's damaged, a "free" roof, a "free" window, a "free" siding replacement should be how it works. Otherwise we're just better off throwing that couple hundred bucks into another savings account labeled "House," But since it's federally mandatory that we as citizens need insurance, they get to act exactly like this and fuck over your brother despite the fact he probably already paid the insurance company twice or three times the value of a roof since he started coverage with them.

[@ChicagoRoofer]

Your brother likely had an actual cash value policy. My question is, did the agent actually let him know what that means and what that entails.

[@ChicagoRoofer]

It's not free roof or siding or anything else when the reality is it's damaged roof, damage side and, damage windows. You pay premiums to bring you back to pre-loss condition. It's called being indemnified. Insurance is required by Banks because they want to protect their asset in the event you stop paying your mortgage that nothing falls apart or fails leaving them with the burden of trying to fix it and sell it.

[@dannyg2197]

Why exactly do you think people pay all this money every month? Is it charity?

[@ChicagoRoofer]

Exactly! Collect what you feel you're willing to pay for in the event of a loss. Don't give us false expectations saying you have coverage.

[@SRMWorkshop]

My friend just switched insurance and they sent an inspector out to his place. Inspector claimed the roof needed to be replaced because of granular loss and it was dirty or his coverage would be dropped. We live in an area with a ton of trees, so yes it was dirty. We cleaned it and and no signs of granular loss on what appears to be a 12 yr old roof, and they gave him one month to do it on a cold and very wet January. I took photos and told him to fight it, still waiting on the results of that fight.

[@douglasmcveigh6605]

I'm confused. They don't want to pay for the entire roof to be reshingled, so they are arguing that the individual shingles on the roof are able to be replaced individually instead of just replacing all of them, right? He is trying to prove that is not possible because the shingles fall apart as he tries to replace them. Why does it matter if the individual shingles fall apart as they are being taken off if they are being taken off to be replaced? Not taking sides with the adjustor, I just know nothing about the details of what is being argued about and I am genuinely trying to figure it out.

[@ChicagoRoofer]

Great observation and question. To remove one single the two shingles above need to be manipulation since those nails also hold down the shingle being removed. Thus they will also be damaged. The damage flares out and ultimately results in replacing the full Roof.

[@douglasmcveigh6605]

@@ChicagoRoofer Oh, okay. So, they can't remove the damaged shingle without damaging the one above it because of how worn out they all are.

[@ChicagoRoofer]

💯%.

[@isuckatguitarandbass4256]

@@douglasmcveigh6605 and the way shingles are laid the nails for one are UNDER the one above it. So no nail holes are uncovered.

[@presidentpotato4065]

Is there any case law in Illinois on this issue? That roof has obviously exceeded its useful life expectancy. Age and wear related issues wouldn’t be covered. Homeowners insurance is not a warranty policy.

[@ChicagoRoofer]

This is why the insurance company can choose not to insure you. Those would be great ratings to not extend a policy. However, you can't tell someone they're insured and collect premiums and later change your mind once there is a claim.

[@brianfreer2394]

If there is direct wind damage then the roof would be owed; or if they wanted to claim its past its life, then insurance company would have to hire an engineer/professional to confirm. The adjuster is not able to make that determination as hes not a professional

[@presidentpotato4065]

@@brianfreer2394 I assume the insurance company covered the wind damaged shingles and denied the remaining roof for wear and tear? The insurance company might be within their rights to not owe for a full replacement.

[@ChicagoRoofer]

I agree with you on that. However, even if it was passed it's useful life but sustained a wind damage harold, it would still be owed for.

[@ChicagoRoofer]

If the roof is tied in with other facets and is unrepairable, the roof needs to be replaced due to repairability issues. At that point it doesn't matter whether there was wear and tear, cuz wear and tear wasn't the claim.

[@livingmodern]

Would be helpful to show also where the damage by wind occurred

[@ChicagoRoofer]

You are absolutely right. In fact, I had a video showing all the damage throughout the roof before I went into this specific video. Unfortunately, my phone died and I had to use the homeowner's phone to document everything. That is why you saw the end of the whole entire ordeal. At the end of the day we all agreed there was wind damage on this roof and it was sporadic and all throughout the whole entire Roofing system

[@livingmodern]

@@ChicagoRoofer fair enough thanks for the explanation

[@antkuz8504]

Appears you picked a prior repaired shingle for the brittle test. Most companies don't honor brittle tests today. Have worked at Allstate, Liberty Mutual/Safeco and others, this would be a no go.

[@ChicagoRoofer]

They all pay after you leave.

[@antkuz8504]

@@ChicagoRoofer I'd rather pay for a whole roof upfront then have to go back and forth about it. I'm just saying from being inside these places.

[@claytonkeever2992]

so they permeated shingles cheaply to be able to later void claims?

[@bige311]

that's why you have to love hail storms :) insurance companies are so crooked, it's basically legal extortion.

[@ChicagoRoofer]

I feel it's legit claims risk management

[@BlackM3Comp]

It’s an old ass roof, I don’t see wind damage. Thanks for increasing everyone’s insurance rates though 🤡

[@surveysays8335]

This is the problem... People want to forego maintenance and get insurance to cover replacing their roof.

[@ChicagoRoofer]

Most homeowners don't know what the condition of the roof is cuz they are not roofers. Tell me I'm wrong.

[@BlackM3Comp]

@@ChicagoRoofer So you’re admitting to taking advantage of homeowners ignorance to say insurance companies owe for old worn roofs. Insurance companies only owe for legitimate storm damage. You’re a scam artist.

[@surveysays8335]

@@ChicagoRoofer You're telling me that "MOST" homeowners don't understand at least a basic understanding of the condition of the most expensive thing they'll EVER purchase? I would say that's wrong. Having been a homebuilder for half my life, and having purchased several homes; MOST people at least understand if a roof is at the end of its life or functionally newer. MOST homeowners hire an inspector. But EVEN IF They didn't... It doesn't take anything other then a person with EYES to see that this roof is 20 years old, or more. It's not like this house is so tall that you can't see the roof... They 10 feet from it while on the ground. You can see clearly this is an OLD, Cheap product. But, hey you keep doing your fraud justification. The only people agreeing with you are the others hoping to get the rest of us to foot the bill for maintenance of their homes...

[@ChicagoRoofer]

You must be an adjuster. Your comment is the problem plaguing the industry. Do what's right or quit the industry.

[@roadstar499]

After replacing a few bundles of shingles on my 20 year roof i learned a few things... instead of using a flat bar to break shingles free i use a thin trowl which works way better getting under old ass brittle shingles and does not damage shingles like you are doing,also if sun is out is makes this even easier... also i bought a roof snake for the shingles you can only lift an inch or so to nail...But i know the home owners want a new roof rather than fix this one up and get a few more years out of it...and i get it the shingles were resealed and they will be extra hard or difficult.. but were all the shingles re bonded? Again you never showed the damage at all...

[@i1bike]

Can someone explain me what is not repairable and how that roof cover insulate roof ? Im from europe, we pour concrete on our roofs and put roofing bricks.

[@hawk2million]

Man this makes me pretty angry. Well done for confronting the man and not just accepting his BS.

[@ChicagoRoofer]

Can you imagine being on the roof with the other person?

[@frenchfrieguy9370]

Lord, I did roofing for a few months summer of 2021. I could tell the second the video started that's an old/damaged roof. Luckily we never had to deal with an insurance agent like this. I would have lost my temper in a heartbeat.

[@ChicagoRoofer]

We keep it professional. Just want someone who assesses the situation with an unbiased view and wants to investigate the full scope of loss.

[@switters8679]

"I did a few months a roofing and now I think I am an expert" ; I didn't say I was an expert, just that I could tell. ; What value do you think your opinion has? So a few months of roofing and you are able to tell - from a video with average quality / from sight / in a second, that the roof was old / damaged. Putting aside the fact that old and damaged are two completely different and unrelated measurements, it would seem you suffer from being on the low end of the curve according to Dunning-Kreuger. Look it up, it may help you not sound ignorant in the future.

[@ChicagoRoofer]

I think you have definitely put yourself on a pedestal. People draw conclusions from what they see here touch feel taste. Obviously some don't apply here but at the end of the day, someone made a reasonable and fair assessment based on what they saw. Don't bash on someone like that!

[@unleasheth]

Man, this has become such a big deal now that I dont know why people even consider going with shingles anymore. Especially if you as the customer are going to have to pay out of pocket for it. If so, you might as well go with a metal roof and call it good for 40-50 years that its rated for. The elements are just too harsh now for composition roofing. I would say tar it, kool seal it, or put tin on it. All u roofers having to deal with this BS now, just transition into being metal guys. U really dont even need quite as much tools to do it. Some lathing materials (usually 2x4 or 1x4s), drills and screws, a good set of nibblers to cut the metal (which is your biggest investment really) some extension cords, gauge blocks and string lines. Not only does metal outlast shingles, it looks FAR better in comparison. Yes it costs more but u actually get the life span out of it u want. Also, its not the end of the world most of the time when something hits it or lands on it. If u ever do get a dent, its much much easier to take it up per sheet and replace it, vs having to relace your shingle runs in place. I have done both for many years is why Im saying/recommending this

[@ChicagoRoofer]

I agree with you, metal roofs are definitely Superior to composition shingles. However it doesn't fit in everyone's budget. In Illinois everything went up a lot over the last year, especially metal.

[@chhansen9813]

Some towns dont allow metal roofs on residential homes

[@ChicagoRoofer]

True. Some by me require cedar.

[@tm.8399]

both are ugly so whatever.

[@unleasheth]

@@chhansen9813 Thats true, I totally forgot all about that, as I just do work here in my local area, east texas. Luckily they have always allowed it here, atleast as long as I have been doing it anyhow. I mean, as much as I dont like them, I would even say go for tile roofs vs shingles, if that be the case. Now there is plenty I dont like about tile roofs I could name off, but still, compared to shingles, I would take it because atleast theyll last (assuming u dont have decking go bad or rafters/trusses underneath give way, cause they weight alot more) Usually so long as u dont have yahoos up there walking around on them, or something falling on them and breaking them, theyll last. With that said I dont like the way they seal off, and they have to be cleaned alot more usually, otherwise trash build up can cause issues over time on them, especially in your valleys. BUT, atleast for longevity theyd still last vs shingles, if u cant have metal. With that said, I would not, and do not, recommend becoming a tile roofer over composition, its alot more headache to deal with IMHO

[@take5th]

My adjuster said he cannot approve a roof replace without management approval. So what good is he?

[@ChicagoRoofer]

I 💯 agree. So a guy behind a desk that's never been at the sight to document everything makes a decision????

[@emmanuelmartinez9066]

What insurance is this? Allstate? StateFarm?

[@Ho_Lee_Chit]

I worked for State Farm as an adjuster for 12 years, now I’m on the roofing and construction side fighting them because I got tired of them putting me in these positions. It is management that is responsible for this, some d-bag sitting behind a desk and has no construction knowledge made the decision before the adjuster arrived by looking at photos from the first inspection it is impossible to get them to change their mind. Also that remark about conflict of interest goes back to management again, they swear up and down that it is illegal to be both the PA and contractor (some states it is) but they tell the adjusters that every state it is illegal and the adjusters don’t know any better and just follow along, they even have the adjusters report it in the system if the PA is the contractor so they can track all of they claims they work which is kinda weird and scary at the same time.

[@ChicagoRoofer]

Do you feel the training is set up in a way to pay for what is rightfully owed or simply misrepresenting facts to reduce paying out claims?

[@Ho_Lee_Chit]

@@ChicagoRoofer their training only covers how to use their internal computer system, nothing about claim handling or construction, the large majority of adjusters have no knowledge of construction so it is the blind leading the blind, you can’t ask management for help they tell you to ask your peers so when 1 person gives incorrect info on how to handle the claim or what process it takes on the rebuild everybody around now thinks this is true causing them to not believe the contractor when trying to explain the correct way.

[@ChicagoRoofer]

This makes so much sense. I had a girl that went up on a roof that claimed she's been doing this for 6 years. I can tell for a fact she has not been doing this for more than maybe couple weeks or a couple months. She kept saying how other contractors tried pulling a fast one on her and don't try anything on her. Then when she finally agreed that there was hail and wind damage highlighted it. She started going back afterwards and taking the chalk off by patting it down. She said she has to have someone else review it with her because she's uncomfortable making a decision in the field on what is or is not damaged. 😢

[@AL_1547]

What is a PA?

[@Ho_Lee_Chit]

@@AL_1547 PA is a Public Adjuster meaning they have an adjuster license to work for the policy holder/homeowner . Regular adjusters work for the insurance companies, the homeowner usually hires a public adjuster if they feel the insurance company is not fulfilling their end of the contract.

[@fjbltysuc]

I had to sue my old insurance company. We ripped them a new ass.

[@dirtwhisperer658]

I've been in construction for 30+ years. What I am seeing is an aged roof that has served it's useful life. I don't know what this claim is about but they need to check several different locations because every shingle may not be double glued like that. That is not normal for a roofer to do that. It could be that whoever installed those shingles missed the middle tack area and nailed too high causing the shingles to lift up in the wind. Then another roofer came along and glued a lot of shingles down to stop that from happening. I've seen it before. This adjuster is not going to pay to replace an old roof just because that's what the homeowner wants.

[@EveryLittleBitCounts]

Always good to get other credible perspectives. The way this video is presented felt off to me not knowing any of this. We only get a very brief slice of an interaction and no proper context. It feels like we're being encouraged to draw a hasty conclusion without enough information

[@ChicagoRoofer]

Fair assessment. However, the roof has 40+ shingles that have obvious wind damage. We did in fact perform a reasonable attempt to repair in multiple areas and in all those areas, the shingles were deem not repairable. Ultimately after many inspections and diligently documenting why and how to arrive at a full repair, the roof was paid for.

[@ChicagoRoofer]

Original phone ran out of battery and we had to use the homeowner's to document the shenanigans.

[@aintEZbeingBeezy]

General Contractor here that specializes in Insurance Claims - I got 2 seconds into the shingles coming into focus in this video and could tell a repair can not be made. No Licensed Roofer I know of would even be willing to even attempt a repair on this roof under any circumstance that wasn't an absolute emergency, and even then, were talking tarping. This roof failed a brittle test with my eyes lol... I also run into this exact scenario with adjusters regularly. They get worse year over year.

[@kotaguy7]

What’s all this “is repairable” type damage, vs non repairable. I wish I understood what’s going on, but I don’t so someone tell me plz lol

[@ChicagoRoofer]

This is a great question. Often times a roof may be in such a frail condition that it cannot be repaired. Sometimes an insurance company will claim that you can do a repair even though when manipulating the shingles it’ll cause further damage to the surrounding shingles. This means that the roof is not repairable must be replaced. Where are you located

[@kotaguy7]

@@ChicagoRoofer so it’s ether repairable or replaceable? I’m in Washington btw. Y u ask?

[@ChicagoRoofer]

@@kotaguy7it’s not repairable. That’s the point. What are you asking?

[@kotaguy7]

@@ChicagoRoofer I still don’t get it. Is it better to get it repaired or replaced? I imagine the replacing is expensive compared to repairing? Also, I thought u asked where I live lol. Look at your comments lol

[@ChicagoRoofer]

@@kotaguy7 it’s better to do what’s right. At times it’s repairable and other times it’s not. In this case it’s not repairable hence why we are pushing to do a full roof replacement. I have many circumstances where we have repaired and not even involve the insurance company because we know it’s not right or fair or responsible. But in this case, the only possible way to repairing it is to replace the full roof. Does that answer your question? I feel like you are an adjuster and trying to get your point across. Is there something I missing or something that doesn’t make sense or something that’s illegitimate or unreasonable ?

[@scottcarr3264]

Here in Australia, we don't get snow anywhere other than the tops of a Handful of Mountains, so we have Corrugated Iron, Earthenware or Concrete Tiles, so we don't see this problem here, (corrugated Iron clears rainwater off really fast) we don't have Plywood under the Roofing, if you take the Iron off you may have "Sarking" and some Insulation, but that would be it. What we see is, If a cyclone comes through and Takes your Entire Roof off in one go, that is pretty devastating, and is Obviously a New Roof replacement, sometimes it Damages the Structure of the House as well. These insurance adjusters here look to me like "crooks" FOR the Insurance Companies.

[@tastelikechinahadababyandn9928]

If your the roofer u need to be monitoring those who lay your roof

[@ChicagoRoofer]

True. We always make sure the quality of the install is above industry standards.

[@chhansen9813]

you're

[@rdykes4]

Insurance companies are PURE EVIL!

[@ChicagoRoofer]

Unfortunately, they have major lobbying power and our money to find it. 🤑

[@INYB]

The 2nd biggest scam of all time

[@ChicagoRoofer]

🤔 afraid to ask what the first is. 😂😆

[@Radioman7600]

Sorry but that roof is way too old and needs replacement. You cannot expect an insurance company to replace a roof because it got old. Who ever the home owner is, the correct thing to do is get a good roofer and get out your checkbook. Let's all be honest here.

[@rdykes4]

@@Radioman7600 dead WRONG, you must work in insurance.

[@nathangilbert1344]

Some of this stuff is wild to me. Be careful who insures you I guess. I've had an adjuster tell me he can't buy the whole roof in its current state unless something happens to a few shingles while he goes and gets chalk.

[@ChicagoRoofer]

😂😆 there's some of those guys out there to unfortunately..

[@jackclark1994]

@@ChicagoRoofer wouldn't that be helping the homeowner though....? sounds like a decent one to me...

[@Babihrse]

@@jackclark1994 or fucking them up. When he comes back it could go either way.

[@brianmoan]

So, what was the final outcome?

[@ChicagoRoofer]

Approved from 3200 to $62,000

[@chrislbaird]

What is wrong with the roof?

[@georgesedeno7891]

The adjuster probably was raised under an inferior roof, so to him this roof is repairable.

[@ChicagoRoofer]

Very possible. 😂

[@wenrug9418]

rumor is his dad still on his way home form getting a pack of newports 30 years ago

[@ChicagoRoofer]

Ouch. 😂

[@YoMamasCasa]

Adjuster: It's repairable. Roofer: No problem, we'll just have our public adjuster handle this. Adjuster: Oh, I meant we are replacing the roof. Problem solved.

[@lavelbrown9352]

90 percent of PAs don't know shit. They walk around circling and marking stuff hoping they get a lame adjuster to approve things that have nothing to do with storm damage.

[@YoMamasCasa]

@@lavelbrown9352 I agree but all the roofer has to do is cry PA and the carrier gives in because they don't want to fight it. In my neighborhood 30+ roofs were replaced that had no hail damage, just old roofs.

[@lavelbrown9352]

@@YoMamasCasait don't matter if they cry or not. If it's not damaged from a storm it's not getting paid, PA or not

[@YoMamasCasa]

@@lavelbrown9352 the 5 roofs on my street and another 50+ nearby plus thousands and thousands of roofers getting paid says otherwise. I get calls all the time from homeowners who already have their insurance checks and I go up and surprise... no hail damage. The adjuster needs his mortgage paid as much as we roofers.

[@lavelbrown9352]

@@YoMamasCasa Staff adjusters mortgage gets paid whether they approve a roof or not so what are you talking about

[@erikkunkle9574]

This is USAA as well. I dumped them last year when I had them for 17-20 years, never filed any type claim, amd they did not want to fully repair flood damage from a failed shower drain seal. USAA aint built for guys like me. We have integrity.

[@ChicagoRoofer]

They sucks Erik!

[@j.rjunior5584]

Myfloors were soaking wet, and they told me I am not covered under any water leaks unless it's a sewer backup. 🤦 Even though I had the full coverage.

[@ChicagoRoofer]

That sucks 😞😔

[@markmoulin41]

USAA has definitely gone downhill over the few years. They used to care about their customers, but no more. I have been with them since 1978 but will be cancelling my policies in the next month or so. Their costs have increased and service decreased markedly.

[@erikkunkle9574]

@@markmoulin41 when I was going through my claim, the ones you talk with first were great (as always), it's when you get to the adjusters that things go down hill. Several of the operators told me they have USAA and kniw it has gone down hill and they see it at work. I have also talked with several adjusted who used to work for USAA and left because of how it has gotten. It's ashame really.

[@justinsaunders5983]

I'm in Illinois too and holy cow has it been quite the year.

[@sharonbrown2468]

I live in central Arkansas and called our insurance company after our gutters were cleaned and the guy told us we had hail damage all over our roof. Long story short, the 2 insurance adjusters inspected our roof and made numerous chalk marks then took lots of photos. Denied any roof damage present and stated our roof “looks brand new”, even though it doesn’t and is many years old and has weathered several hail storms. Our neighbor had his roof replaced a couple years ago for hail damage and his insurance did not deny his claim. Most of the photos didn’t even look like our roof! What can old people like us do? I have a feeling people get cheated like this frequently!

[@denaliking6426]

haha before you even talk about the bond - the freaking roof is literally flaking away - you can easily see that roof is well well worn -

[@thumasta666]

i fucking hate when people are just like "were not gonnna get into it" my boss does it all the time when he cant back up his side of a disagreement with facts. so passive aggressive, just admit you are wrong and call it a day.

[@ChicagoRoofer]

Yes 💯%.

[@calculator1841]

Exact-fucking-ly

[@Cliffsplace7]

State Farm?

[@ChicagoRoofer]

I can neither confirm or ....

[@levihyatt7888]

😅😅😅

[@Lakeman3211]

As a contractor I nearly always refuse to get involved with insurance, either providing proposals or even preforming work now….I can’t understand some insurance providers solutions, I’ve advised many people to litigate as that seems to be the method to get their claims resolved!

[@jamesmorrison7989]

I dealt with this nightmare after a hail storm. I had the roofers waiting for the adjuster. When he got there, he said he refused to deal with them and then screwed me and my claim wasn’t approved.

[@ChicagoRoofer]

That's terrible. If it's not over a year old, keep pushing it forward. Feel free to ask me anything

[@1979augistine]

Insurance adjuster is not paying for nothing he wants that bonus no matter what

[@ChicagoRoofer]

I think they just hire people that have no construction background. But yes, you may be right too. :-)

[@bdub8522]

You’re an idiot if you think that’s how it works. Most adjusters work on a fee schedule that pays more the higher the estimate. Adjuster’s do not like to recommend denial as the amount of work required does not pay nearly as well.

[@dezzessex8880]

As an insurance adjuster, I can tell you that we don’t get bonuses for denying claims. This is just a case of an adjuster that is either inexperienced, or just an a**. I hate when homeowners and contractors act as if all insurance companies and adjusters are the same.

[@ChicagoRoofer]

I agree with you. I'm not stating that all adjusters are bad. It's just been management manipulating the end results over the last year after an adjuster says what makes sense, the back end says never mind.

[@Brob6304]

Adjusters are paid a percentage of the paid claim. This guys just an ass and un educated

[@mrbeans2425]

WOW.... Deny Deny Deny....

[@RA-fr5ym]

Story of my life. Constant bullsh**. Countless rules for me and the insured, but they can break and bend and flat out ignore whatever they choose. Field adjusters for insurance and third party have a VERY HIGH TURN OVER RATE. Meaning, roughly 80% of those that show up have NO knowledge of Construction whatsoever, another 10% that do know and are there specifically to thwart you, 5% third party and ladder assist that DO NOT CARE regardless because they are paid regardless and can make no decisions on top of that, and last 5% that know there craft and actually give a Sh** about the people they are there to assist.

[@ChicagoRoofer]

I feel like I've the last year and a half this all changed. You're right, most that know construction are gone and the people taking over aren't knowledgeable enough to do the job.

[@VolsPride]

They also have a high turnover rate because most normal people don't have the conscience to keep doing a job where their employers essentially FORCE them to screw over everyday people.

[@ChicagoRoofer]

Did you work for an insurance company?

[@RA-fr5ym]

@@ChicagoRoofer General Contractor! Still am!

[@heroknaderi]

I agree just replace the entire roof and done. I believe leaving the existing one as is would lead to leaking during rain events

[@Leviathan272]

How'd this turn out in the end?

[@kylesmith4173]

Takes a lot of willpower to not push someone like that off a roof

[@mayla8477]

I was thinking the exact same thing!

[@doublesunday1268]

I'd climb down first and take the ladder with me lol

[@TB-ni4ur]

Deny-all insurance policies are infuriating... It's best to pay a little more and do business with a local agent from a reputable agency that you can build a relationship with. It'll cost a little more but at least there's a face to deal with. Getting policies online or from some "discount broker" hundreds of miles away from some big city is a recipe for aggravation and frustration.

[@bbjazzmanjazzman7721]

YOU are dead wrong! Local Agents are the worst snakes to deal with.. I had to physically deal with my local Agents, sorry Son of A Bitch!!

[@TB-ni4ur]

@@bbjazzmanjazzman7721 Huh... Not going to lie Buddy, based on your response I suspect the issue with your experience might have something to do with your troubles. If you storm in like a madman, nobody is going to want to deal with your issues, that's applicable to everything in life...

[@ChicagoRoofer]

Agents do matter in claims. Especially if you matter to them.

[@ChicagoRoofer]

True... We're all human and have feelings. Must try to help people that attempt to resolve everything in an amicable manner.

[@__documents2580]

Another dirty secret about some adjusters is they will inspect three or four roofs in a day and just run and gun. Meaning they get anywheres from 200.00-400.00 just to inspect the claim. If they don't write for the damages and state that there are no damages or the roof is repairable when the evidence is clear then they dont have to spend another 3 -4 hours writing a larger estimate on those claims. Lower hours - but they still pull in 800 - 1200 per day.

[@ChicagoRoofer]

Yep that's one of the pay models. I do believe there are many good Adjusters out there though. Unfortunately, corporate greed is at the back office denying what is right and just.

[@__documents2580]

@@ChicagoRoofer Exactly... I get paid by the size of the loss...bigger loss = larger fee. I have an incentive to locate and document damages. Of course staff adjusters do not have that monetary incentive like independent adjusters and may be more likely to overlook damages deny coverage. I let my photos sell my product. If there is actual covered damage it will show on the photos as long as you take the pictures smartly and correctly. Then its much harder for a desk adjuster to dispute it. As an adjuster, when I meet contractors at an inspection I remain cordial and invite the contractor to comment. We perform the inspection together as professionals. There is no reason for an adjuster to act like a but hole other than they are immature jerks...and there are plenty of that type to go around.

[@ChicagoRoofer]

You make a lot of valid points. I appreciate you! Like in every industry, there is good and bad apples. I think that model makes the most sense. The one you're in. Reason being is, it allows you to find reasons to pay as long as they're legitimate and reasonable. It also results in getting paid for your time. An adjuster shouldn't get paid the same dollar amount on a million dollar loss as they should get on a $5,000 loss. The model you get paid by incentivizes and adjuster to do the job correctly.

[@dezzessex8880]

As a staff adjuster, it is no incentive or motive to deny claims. That actually hinders good “service” we’re trying to do for the customers. Some adjusters are reasonable, some aren’t. That’s all it boils down to.

[@ChicagoRoofer]

I agree with you. But I also have noticed that whether they are staff or independent and newer, I get random comments saying people try to pull fast ones on them and they've been caught by their management. I once had an adjuster highlight damage on the entire roof and then after we were done she started patting it down to remove it cuz she wasn't sure anymore. Her exact words were, I'm really not sure this is truly hail and wind anymore. I have to ask my manager to make sure. All while saying she's been doing this for 6 years. I found most adjusters say 6 years whether they've been doing it for a day or 6 years

[@cberown146]

I had some wind damage to my roof years back. My insurance company denied repair even though my policy covered such damage. Long story short I filed suit, won than dropped them.

[@ChicagoRoofer]

Congratulations! In Illinois attorneys don't want to deal with small claims since their legal bill is capped when they were wrong.

[@jjohn713]

I've had to go through 3 Insurance Adjusters to get one who agreed I had hail damage on my roof. The first one said "I see mechanical damage with dents on the vent pipes but no hail damage." I had to ask if the birds droppings were that strong to put dents on metal piping. 2nd guy said I see damage but not enough to warrant a claim. 3rd guy was dumbfound when he saw the roof and didn't understand why the first 2 didn't report it right. I mean, I had 2 ceiling leaks so obviously had damage.

[@DukeMitchell.223]

The roof is a 20 year old 3 tab shingle and it’s properly welded because that’s how they are designed to be. It looks pretty good considering that 50% of the granule is gone. The problem is this isn’t storm damage from act of God wind like a tropical storm or a hurricane, it is damage being from an old worn out roof. These roofers are litigating all of these roofs as Windstorm or Hail damage because the lawyers take the cases at 500.00 per hour but in all honesty this is thermally compromised and plain worn out. I wouldn’t pay this claim either, I don’t even see a missing shingle tab or sign of physical damage, even the nails were flush with the shingle bed matrix the dude actually claiming to be a roofer knocked it into the shingle bed almost into the underlayment which on this roof is #30 or thinner likely. These harmonic vibration arguments are morning new and roofers win those cases with clay tile often but not asphalt shingles. This is why insurance companies are going broke and everyone is seeing cancellations or $10,000 rates, enjoy the harvest roofers because soon it will be over when there are no other companies to sue and the juice is all gone from the grape. I ran a roofing company for 25 years after Andrew and was also licensed GC and Roofer in Florida and I’ve seen it all. I am no fan of insurance companies but we need balance in the force.

[@ChicagoRoofer]

I understand where you're coming from. I can appreciate the fact that you want to be fair and reasonable. However, we all agreed there was 40 plus shingles damaged by this wind related event. The homeowner took out a insurance policy that promise him replacement cost benefits. If I offered somebody $10,000 or $50,000 in benefits in the event something failed, I would go out and inspect it. The insurance company did not do that. Or if they did, they made a poor decision on this roof. This loss went from $3,200 to $64,000. At the end of the day, if you make a promise, all I'm asking for is you follow through. No empty promises. Do what's right!

[@hawaii5-084]

What insurance companies are going broke? None it’s a huge scam American family charged the same for a 2008 charger as a 2002 dodge minivan how does that make sense you’re delusional.

[@stevezrofsky8577]

Those shingles beyond their prime and most likely not on the market any longer. I find that 3 tabs are Garbage, compared to other options. Every roof I have replaced had 3 tabs. Insurance companies hate giving money towards roofs. But love paying for siding.

[@ChicagoRoofer]

I'm assuming that depends on what market they are in. I've had adjusters tell me over and over that certain carriers call Chicago the wild west and tell them to treat every claim differently than they would in any other market. I've been told countless times had it been in another state they would have paid for it but management here is allegedly cutthroat.

[@stevezrofsky8577]

@@ChicagoRoofer probably because everything in the area absolutely needs replacing because of age. Have done my fair share of traveling. Imagine insurance claims for Detroit.

[@ChicagoRoofer]

I can't imagine. Are you a roofer or adjuster?

[@stevezrofsky8577]

@@ChicagoRoofer roofer, Utah

[@ChicagoRoofer]

Beautiful state! Thanks for your feedback. Let me know if there's any particular videos you want me to make or things you want me to touch on.