How to PROVE your roof is NOT Repairable - Insurance Claim Denied! Public Adjuster 101
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- čas přidán 24. 02. 2021
- Step by Step on How to Prove the Roof isn't repairable to the Insurance Company. Not just for beginners. Find more great Public Adjuster 101 videos at www.ibit.ly/s9f8/
How can YOU prove that a roof is not repairable?
Repair-ability is not only based on the "pliability" or "brittleness" of a shingle.
Let's talk about what a simulated repair is, how to do one and how it has the potential to PROVE a roof is not repairable. - oh, and a little talked about secret near the end too.. shhh
Thanks for joining us for another Listen to this BULL and don't forget to subscribe.
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***Listen to this BULL is intended to educate Contractors, Property Owners, Public Adjusters and Attorneys on the "BULL" they might encounter in an insurance claim. Often people feel like they have no options when going up against the colossus insurance companies but we are here to prove that you DO HAVE OPTIONS! Listen to this Bull is not intended to give legal advice. Please seek the advice of an attorney before acting on any information provided by this video or any opinions offered by Mathew Mulholland, Remington Huggins, or any of Listen to this Bull’s guests. All rights reserved.
This guy is awesome, just saw him live in Dallas. He has a good class on not being intimidated by an engineer.
Thanks that guy!
Thanks for sharing!!
You bet
Great info man. Thank you!
Any time!
Thank you for the helpful advice!!
you're welcome 🙏
Awesome job!!!
Thank you! Cheers!
Super helpful! Been getting a lot of "repairable" denials here in GA as well.
Glad it helped!
I'm about to file a claim on my roof. Hopefully All-State plays nice.
@@NotThisGuy12 have your roof get repaired by all state ?
Pure gold, sent you a message about a claim I have a question on!
Love it. Made me subscribe right away
Thank you!
How would you go if you only have 5 missing shingles on a 22 year old roof with discontinued shingles (MS)?
Are there compatible materials available now? Forget about repairability, if the damaged shingles can't be replaced because the new materials aren't compatible with the current roof then you can't make repairs either way.
Great points
Thanks Jacob. If only 1/4 of the picture is described by the carrier's expert and is used as the basis for coverage, then how is that fair? Thanks for watching!
@@ListentothisBULL Riddle me this. How the hell is it ethical for the insurance company to employ an adjuster to determine the value of a loss when they know nothing about the repair process?
@@realJacobKirby This could be one of the best questions ever and would be a question that unfortunately we can not answer. We are however inclined to agree that it is entirely to the detriment of their own clients.
Great video. Question, does the felt have to go underneath the other slope on the hip?
There is required overlap at the hips. The code says that there must be staggered overlaps on adjacent courses with a minimum distance of 6 ft between them. Most shingle manufacturers don't specify how to do this at the hips.
When you show them it is not repairable and they still don’t pay for it. What then.
Are you licensed in Maryland by any chance??? We need a good PA that can help us fight all the many "repairable" denials we've been getting lately. So frustrating!!
Sorry, I am not, but I may be able to help you find one. Please find me on FB- Mathew Mulholland
Interesting that you dont apply the same level of micro analysis to a full roof replacement. Do you ever reinspect a roof after its been fully replaced? I suppose if a contractor scuffs a shingle in the middle of a new install, by your logic they would have to do a full tear off and start again.
You could take everything to the extreme for sure. Applying the idea of being "reasonable" is necessary. Teaching the issue requires teaching the worst case scenario. I'm glad this video is creating a conversation here though. The National Academy of Forensic Engineers utilizes a method to determine the repairability of asphalt shingles as well. They agree that all of these issues are fail conditions.
@@ListentothisBULL If you're going to object to a repair because of a scuff but allow a scuff during a replacement, you have lost credibility with me. In fact, scuffs on brand new roofs probably would have a greater effect on the shingle life than a shingle that was already 15+yrs old. Is kinda like complaining about a dent on a beat up Pinto.
@@mathewmulholland4741 No, I understood your reply. You think it's unreasonable to scuff an old roof but not unreasonable to scuff a new roof. This makes no sense if you're approaching it from a purely "benefit of the homeowner" point of view.
He doesn't think that, the insurance companies think that. That's in the description of if it's repairable or not. If during a repair the shingles becomes more damaged because of the repair then its none repairable in the insurance eyes those are their words
THIS IS GOLLLDDDD 👍👍
Thanks @brianlau8316
How many cedar shakes are damaged potentially while replacing one shake? Is there a formula form how many would be damaged for a repair similar to asphalt shingles?
Using the Cedar Shake and Shingle Bureau recommendations, you actually damage the new shingle being installed... so..
Honest question… is ANY composition shingle roof repairable?
From a technical standpoint every roof is repairable, it just depends how much is being replaced. If you really dig into the specific codes, you can't make any repairs that reduce the compliance with code. The international code council says that nail holes violate the integrity of materials and they were talking about asphalt shingle roofs. Having said that, I believe there is a certain amount of reasonability that needs to be used. The idea that no roof is repairable is not good for consumers.
no roof is repairable -every con artist ever
Well you could say every roof is repairable. It just depends how much of it is getting replaced. All but 1 shingle... still a repair. Replace the title of this video with "Repairs cost more than most carriers believe because they decide repairability on shingles in the middle of the field instead of near penetrations, hips, ridges, valleys and side walls." Does that help?
Go to sleep you have to clock into your 9 to 5 tomorrow
Lol. Wind can break the seal but you’re forgetting that shingles were designed to seal back down. You are asserting that once a shingle’s seal has been broken, that shingle is ruined. Gimme a break. I’ve seen roofers make repairs all the time without damaging adjacent shingles. Shingles are NOT a product that were designed that could not be repaired. You also fail to address that insurance policies do not cover damage that involves wear, tear, deterioration or rot. If you’re suggesting that repairs can’t be made because the adjacent shingles are worn and deteriorated, then that’s not a covered loss and those shingles are excluded from the repair assessment. Lastly, insurance policies have wording that covers, accidental, direct physical damage. In laymen’s terms - the policy covers what has actually been damaged not undamaged materials. Insurance will pay for roofs from wind or hail only when the cost effectiveness of repair would equal or surpass the cost of replacement. So folks, don’t listen to this guy. Shingles can be repaired. Sealant strips were designed to seal back down. Breaking a seal won’t permanently damage the shingle if you know how to do it correctly. Repairable roof questions and conditions vary state by state according ti that state’s DOI. Insurance doesn’t match for fading of shingle color, and doesn’t owe to match depending on the type of policy you have. Read your policy! And if your public adjuster or roofer says a roof can’t be repaired because the shingles are worn out and deteriorated, those are excluded perils in the policy so won’t be part of the equation. Unless your state’s DOI or insurance company has a mandate or company policy in place to take into consideration excluded perils in the repair assessment.
I didn't make that assertion... If the seal is broken and material transfer occurs then the shingles are damaged. Most policies that exclude wear and tear, deterioration and rot exclude those items as the proximate cause of loss, so they would not apply. Farmers insurance has a policy that says they do not owe for consequential damaged caused by a condition excluded against and points to the wear and tear. That might apply, but they also later describe wear and tear as a situation in which the roof needed to be completely replaced prior to the loss. So, what is wear and tear?
Are 5 inch exposure shingles deemed non repairable?? Are they discontinued. Are
5 5/8 shingle code??
Since they've switched to metric measurements.
How many cedar shakes are damaged potentially while replacing one shake? Is there a formula form how many would be damaged for a repair similar to asphalt shingles?
Since wood shakes are one of the easiest types of shingles to pop out and pop in, the amount of shakes within a test square to determine replacement is at a higher standard, typically 15 to 19 shakes.
@@KCShox I'm not sure thats true. If the nails are copper then its easier, but we come across stainless ring shank nails often. Either way a new shake being installed causes damage to the NEW shake if you follow the CSSB repair methodology.