Roof or Die - Sales Training - Hail Damage - Documenting Roof Damage

[@mikeharrison124]

I am an Insurance Adjuster and this was a good roof inspection assessment.

[@roofordieconsulting]

Thanks for your feedback Mike!

[@mikehamm648]

Unless you work for Allstate or State Farm, cause they don’t see damage, because then they would have to pay claims. Gotta pay Jake khaki money

[@JoseSaravia-1]

@@mikehamm648fr a clients of mine property literally has hail damage from a 2in size hail storm, and Allstate didn’t want to approve it. 😂😂

[@mgettemy]

I’m newly a project advisor for a roofing company - this video was very educational

[@roofordieconsulting]

Thanks so much for your feedback!

[@CallusFutura]

Great video! I’m applying to be a roofing consultant for a roofing company. I have experience with roofing but this went very in-depth into specific details of the process, that are very helpful. Thank you!

[@roofordieconsulting]

Glad it was helpful!

[@withinward]

This was an honest evaluation.

[@roofordieconsulting]

Thank you!

[@BuddyRobinson-dw6xu]

You are exactly right on Allstate, I am an I/A and refuse to ever run a claim for them. Lot of the carriers don't like pics of the shingles edges because majority of them are blister. Although some of it is legit hail but I always try to find damage in middle of shingles.

[@roofordieconsulting]

In all fainess and by my own fault, I've marked defects that all occurred on the shingle along the same part of the field shingle. And if ALL your hits are there, then it's obviously likely that it's NOT hail. So, I think people on both sides need ONE hit to push it over the edge, we call the edge lol. Unfortunately, the game has changed.

[@leeallen321]

very informative

[@BerthaNeal-wm4sm]

love your videos

[@roofordieconsulting]

Thanks so much! Got some more coming soon

[@jeffryparfait8582]

Adjuster here, great training. I would focus more on collateral damage on metals and hail strikes in ridge but other than that, good training video

[@roofordieconsulting]

Thank you for the feedback Jeff. I appreciate you

[@stoneskinner4576]

Nice heads up! Would you mind elaborating why you suggest that? Thank you, sir

[@somefrigginguy2844]

I slept at a holiday inn express last night and this is a totaled roof from hail damage.

[@roofordieconsulting]

lol

[@TexasTodd]

Thanks for your video my friend

[@roofordieconsulting]

You're welcome. Let me know if there is any other topics you'd like to see.

[@TNTmedia1010]

Why did you mark a slope with vents and jacks in it, 🤔 ❓️ Section of the Slope to the right has no hardware on it

[@joshuatree6189]

Many adjusters do not like if you chalk the roof. They are mandated to do their own work in many situations. Good training video though.

[@somefrigginguy2844]

The adjuster doesn't own the roof and can use their own chalk color to distinguish if they prefer. The roof is owned by the homeowner, the markings are for the owner not the adjuster.

[@roofordieconsulting]

I agree with this 100%. I don't pre-mark a roof. I was doing this as a training video

[@phillipgoodson2057]

@@roofordieconsultingIn your opinion should roofers not use chalk?

[@roofordieconsulting]

@@phillipgoodson2057 I don't typically mark up a roof prior to adjuster meeting. What I do is use slashes after the adjuster marks their slopes and photographs and I add to their hits and then take photos. I do, however, mark all the soft metals.... vents, window wraps, aluminum siding, roof vents, etc. and Photo document that. I take close ups for the customer on inspection, might use strike marks to show the volume of hits on a slope to sign the contingency/insurance authorization agreement.

[@todd9031]

Excellent information...

[@roofordieconsulting]

Thank you. I appreciate you

[@thomascintron9576]

Super!!

[@jasmintapia7246]

Good information, thanks!

[@roofordieconsulting]

You're welcome. Thank you

[@ChrisGarcia-sk2pj]

So, reading the comments, should roofing contractors mark with chalk or not? Because in the video you're saying "you want to mark this and you want to mark that"... Also, since there is fiberglass showing and that is the last layer of the shingle, why wouldn't that be covered? I mean, the whole point of documenting the asphalt showing from hail damage is because it will erode over time and will cause further damage... so whether its "wear and tear" or from an existing hail hit that eroded over time, wouldn't fiberglass being revealed mean that it won't shed water and in fact leak water through? isn't that worse than a hail hit?

[@stoneskinner4576]

You’re totally right in your process of thought! However, there are spots called blisters on a roof that are caused by moisture being trapped in the shingle, the water evaporates and expands into a high pressure gas and has to escape somehow, and the path of least resistance is straight up through the asphalt, essentially erupting outward and exploding the granules from the surface in that area. This leaves the asphalt exposed prematurely to the UV causing the erosion and deterioration of the asphalt, thereby exposing the fiber-glass mat. This is considered to be normal “wear and tear” by insurance. And is not covered under any insurance policy, to my knowledge. There ya go!

[@stoneskinner4576]

I just saw the last part of your comment. Blisters have the same effect as hail hits, without the minor/major give in the effected area. Depending on the size and density of the hail, the direction it hits from, and the age of the asphalt shingle it impacts, it can expose the asphalt immediately or over a period of typically several months to years. After that exposure of the asphalt happens, a hail impact and a blister are on the same timeline and road, both heading for future leaks.

[@richardmckrell4899]

Arduous not ardulous, at least he's trying.

[@RoofingFacts]

So the concept of a 10'x10' square is accurate, but inaccurate. The principle established in 1989 was to create a square that would be easily divisible number usuable for representation, the easiest of which would be 100sf. The original methods were 10x10, 5x20, or on hip roofs a triangle with a height of 10' but base of 20'. Beyond that, its mostly accurate. A couple things worth mentioning is that algae gets cleaned partially by recent hail, so a lack of spatter can be used as evidence for the age and severity of the storm. I would also spend a lot more time on the collateral, as a roof that is a "maybe" (could go either way depending on the adjuster or insurance company) will become a yes with good collateral and often a no with no collateral. Hail and wind should be two seperate counts, as they are often seperated into two seperate events and wind is based on a % of the roof whereas wind is hits per square based. Another tip is you ahould always look for hail at the ridge, as the field areas are more likely to occur damages due to the manufacturing process, foot traffic, heat blistering, etc. Its good to note that the South and West sides will always look the worst due to granule loss/sun exposure. If damage counts go from worst to least as South-West-East-North, its more often than not your contractor confused deterioration with hail. Not always, but the vast majority of the time. Theres a good note to make also that if the edge of the shingles show fiberglass, look at the color of the asphaly next to it. Its going to be an off-gray. Narural weathering out in the field will match that coloring well, so if you see a lot of things that look like that deterioration, it may not be hail. Also, just like you never mark the edges left to right on architectual, you never mark the bottom, as this is most commonly scuffs from boots, compressor hoses, etc.

[@roofordieconsulting]

Really appreciate your insight

[@Julioccas]

How do u do to get jobs from insurance companies

[@tylerduvall3014]

All up to the homeowner unless you have a contengicy for them to sign and show insurance adjuster to write check in company name

[@JimmySale-z3k]

we got a lead for LA intersted?

[@roofordieconsulting]

I have clients in Louisiana I can refer it out to, but I don't work in Louisiana

[@mikethompson7436]

Probably easier to mark what's done right

[@joemarroquin5109]

Thx for video I just started bro in law company! When new start how much you think average be making first 6 month?

[@roofordieconsulting]

That really depends on your tenacity, drive, and willingness to learn. There are also market factors and if you're working insurance restoration or retail roofing sales. How have you done in your first 6 months?

[@JimAebly]

No one commented on the pipe boot install?

[@SR2001-4EVER]

...I know improper installation,...trash

[@eag8999]

Lol the chimney would leak ever rain if it didn’t have flashing. This is the original roof and the flashing was put in behind the brick

[@roofordieconsulting]

@@eag8999 it was actually metal. Something I didn't know at the time. But ty for your deep insights

[@JRCoronado24]

All I see is a lot of blisters and granule loss

[@roofordieconsulting]

must be an adjuster

[@elithepitbulldog2209]

He’s incorrect. If there are numerous fiberglass fibers showing thru, that’s indicative of severe hail damage. 1 or 2 spots no.

[@roofordieconsulting]

Negative ghost rider. Fiberglass showing is typically of age. I promise you that you're wrong. But I sincerely appreciate your feedback!

[@Metal_junk]

Big dude is a little weird, but this was a very informative video.

[@NinjaWarrior702]

What do you mean? It's weird that he is big?

[@Metal_junk]

@@NinjaWarrior702 No🤦‍♂️ His demeanor, the way he talks

[@roofordieconsulting]

I am a little weird. Roofing will do that to you!

[@stoneskinner4576]

@@roofordieconsulting you’re yourself. No problem there. He is isn’t confident and convinced of who he is, so it’s easy for him to judge and knit pick others.

[@roofordieconsulting]

@@stoneskinner4576 Lol. I'd rather be EXTRAordinary than just ordinary

[@GoldenMarleyMoo]

I'm a cat adjuster and based on your inspection I'm denying that roof all day. The storm collar on that 8" through pipe has no damages, no dents in the pipe itself which is made of thin tin. The ridge looks like it's in great condition and is the weakest shingle on the roof. Soft metals don't look dented up at all, chimney chase looks fine. That roof is so light in color hail damage would show up so well you'd be able to play connect the dots before you even stepped off the ladder. Your idea of collateral damage is wrong we don't care about the roof until we see what's on the ground. Collateral damage is - grills, grill covers, soft wood fences, patio furniture, patio furniture covers, wicker anything, flower pots, garden decorations, mailboxes, garage door vinyl siding will often crack on a circular pattern or break at the edge, clap board siding will chip at the edge and break paint, landscaping and gardens will be obliterated, that yard wouldn't look that clean it would be full of debris from all those trees (and we owe for that), plastic utility covers that are heavily oxidized will be damaged or at least have oxidization cleaned off, outdoor heaters and umbrellas die in damaging hail immediately, deck railings will show new wood especially at edges, hot tub covers immediately die in damaging hail, enclosed trailers immediately die in damaging hail, aluminum travel trailers immediately die in hail, garage door trim gets beat to death. I could go on and on getting on the roof to poke at discolored spots on the roof or granular loss on an old roof is the absolute last thing we're doing with you. A lot of roofers don't seem to get it, when we have legitimate hail claims they're BIG claims. We are replacing personal property in that claim everything from flower pots to garden gnomes. We expect to be painting at least one side of a house, we're definitely replacing the aluminum window trims or painting the wooden ones, we expect to be buying vinyl siding if the house has it, window screens, garage doors, often buy exterior doors, exterior lights. Hell I've even paid for an outdoor pizza oven, smokers, lawn chairs immediately die in hail. You guys get out on these roofs and make the homeowners feel like they're entitled to a roof because a roofer says you definitely have hail damage! Then you piss us off immensely when we get out there and there's nothing but the roof and a singular small dent for you to show us on the downspout. Then we have to be the jerks that go to the homeowner and say I'm sorry, I really don't see anything here. Then you make people feel like insurance is the big bad wolf, because you're being a door knocking salesman that's doing what a salesman does and creating a problem to sell. My average legitimate hail claim payout costs so much more than a roof im expecting to pay 50k for an average house. I'm paying for it all, and people with those claims have no problems with insurance. Here's the deal, if a homeowner has experienced a legitimate damaging hail storm they don't not know about it. Everything gets obliterated those homeowners would have been cleaning up tree debris for daaaaays. They would of been at an absolute loss of where to even begin because it ALL gets damaged. Mother nature does not create hail storms that comes by and only hits the roof. You said you know which direction it came from? Show the siding, show the windows on that side of the house. Where's the spatter marks? Wind damage? After you said it's critter damage? We aren't stupid, we've seen what actual storm damage looks like thousands of times over. An adjuster isnt going to argue about that, they're simply going to call bullshit and ignore you because you're now proving to us you don't know what you're looking for. We don't need roofers present, we don't need you to tell us what is damaged we entertain it and are professional for the homeowners comfort nothing more. We have access to all the data you can possibly imagine. We know exactly every single date that hail occured at that house for the past 3 years, we know exactly what wind speed occured at that house for the past three years. We can get satellite imaging and tell you how long that one "wind" damaged shingle has been damaged. We know the patterns of every storm that occurs that had caused any type of damage. We know how many claims are in a specific area from all carriers, we know their entire claim history and the property address entire claim history from the build date. Sell the homeowner a roof simply because it's old and deteriorating and the house needs it. Making them believe they have damages they don't and making them think they'll get a new roof from insurance as a maintenance program is wrong. You make my job harder, you make your job harder and you stress the homeowner and ruin their insurance. This is not only denied for wear tear and deterioration but now condition is going to be heavily documented because we have to it's our job and it's likely going to underwriting. You know what happens then? The homeowner loses their insurance because now they're high risk for lack of maintenance and they're going to have a hard time finding another carrier to take them. If this roof got replaced you and the homeowner won the lottery and got an adjuster that isn't trained enough yet. Insurance is for fires, broken pipes that flooded the house, actual hail that destroyed everything, tornados, hurricanes (except flooding), vandalism, robberies. It is not and never will be a maintenance program, homeowners policy under obligations - homeowner has to keep their home well maintained and in repair. Has this honeowner done that? With fibers exposed, rusted out storm collars, severe granual loss? We have actual work to do where people actually need us and don't need a roofer with a chalk stick and a magnifying glass to determine if they have a legitimate claim or not. Especially in the summer, where a lot of the Midwest is getting beat to death with actual hail that has their siding in pieces on the ground or worse.

[@roofordieconsulting]

Spoken like a man who gets paid by the carrier. I've been in insurance restoration since I was 14 and roofing since I was 5. I'm HAAG certified. I was doing ladder assists independently for All-State long before the ladder nows and Hancock's existed. There are plenty of roofers who do not know what hail damage is, but I'm not one of them. Carriers change their criteria for replacement of a roof CONSTANTLY. Please save your lectures for the adjuster conference. You're clearly biased. I've been on both sides of this game and a fair arbiter of these types of claims. This claim was approved with no problem. I probably wouldn't have recommended replacement as a ladder assist on this, personally. However, sometimes it just depends if your adjuster is an ass or having a good or bad day. 🤷‍♂️ I actually don't do any storm damage restoration anymore due to adjusters with attitudes and entitlement like yours. Thanks for your long-winded input though

[@somefrigginguy2844]

Granular Loss alone from a wind storm can total a roof. Remember, folks, you can sue your insurance company in court. The most common payment is breach of contract and a refund of all insurance payments since the contract was initiated. Settlements far above roof costs happen every month from shit adjusters. I think this adjuster has very valid points, but Storm Damage is what the contracts say, its not up to an adjuster or roofer to determine this alone. Its science. This roof has an up to 30 year life, if it has 20 or less and has massive granular loss and a documented declared storm came thru, yoy will be paying for this entire roof. Insurance companies make the false claim to cover this damage, most insurers language in the contracts bite them back because its the insurance dealers that initiated the fraudulent sale of a protection they never intended to pay out. The sole embarrassment factor in insurance paid out claims on roofing is during tornadoes events, insurance companies will deny wind and hail damage from a tornadoe unless and until its declared, the insurance companies receive billions in tax dollars each year from fema and other government declared losses. The exact same house denied will be approved once the government paying for it, so lets not pretend insurers are innocent in these claims. Best part about weather, you can have hail on one side of your roof and not the other, explaining this scientific fact and weather banding, weather patterms, force multipliers, wind gusts, pressure changes, rain acidity and temperature or the moisture content in the air during wind storms or the different viscosity of perticular rain depending on what sphere it developed in is all part of the insurance scam, insurance companies should simply stop saying they cover roofing or charge a specific fee for only that coverage, like you said, you expect to pay 50k and property losses. Well how much college do you need to comprehend that hail damages some stuff more than others. 🎉

[@jacksonmcnally13]

Spoken like a guy who doesn’t like roofers or the industry and brings that with him to every interaction. We see guys like you all the time and there is no negotiation, they just assume you are a degenerate roofer who is a crook when you show up. Goes both ways. Half the carriers change the metrics for an approval weekly.

[@TheSlashSlingingSlasher]

Wrong. Insurance is in through business of making money. In order to make money. They deny the roof.

[@roofordieconsulting]

@@jacksonmcnally13 preach!

[@gymhumor8831]

Circling spatter lol

[@ColorwheelRoofingLafayette]

Definitely not

[@cw6136]

Allstate requires 14 hits? 🤣🤣 Clearly, they're not in "good hands." This is why you avoid publicly traded companies.

[@TheSlashSlingingSlasher]

Definitely not 14. At most 6-8

[@roofordieconsulting]

It definitely used to be as high as 14, at one point. I was a ladder assist for Allstate long before the Hancock's and SeekNows existed.

[@mikehamm648]

BS, if the hail storm happened 10 months ago, you see fiberglass matte after the asphalt has baked away in Florida sun.

[@roofordieconsulting]

Well, that was in Erie, Pennsylvania and it was more like a few weeks after the storm. A month, at most. I don't know where you deduced that it was 10 months after a storm or in Florida. But that's for the thoughtful insight. We appreciate you!