He left quick when he realized he was being recorded because NOW HE HAS TO LIVE UP TO HIS WORDS OR GO TO JAIL FOR INSURANCE FRAUD!!!!!!! Yes adjusters must fallow the law too
Geeze, yeah, if you are insurance adjuster you are in a veritable Iron Maiden of laws and regulations. If your adjuster is shitty all you have to do (lawfully) is whimper and he gets fined and may face jail time. I dont understand how people don't know how regulated and controlled insurance is. It's not the f-ing wild west. My first time in the field was Hurricane Harvey. I was working a claim when I saw the insureds Liquor collection. They had a Patron suitcase and I remarked "Wow, thats cool I didnt know Patron made a suitcase" they insisted I take it home because they didnt want it. I was terrified they would use it against me if their claim was denied. Which, it wouldnt have been because it was hurricane friggin Harvey. The issue is that people think adjusters are able to lie, and cheat the system, and deny claims at their liesure and that's just not the way it works. We could go to jail for S I M P LY B E I N G D I S H O N E S T. If a contractor is dishonest they have far more legal wiggle room than an insurance professional and if they tell you that's incorrect it's simply because they aren't educated in how the insurance industry works. (I say all of this knowing full well you wont believe me). Yet there is this general "Understanding" that you cant trust your adjuster lol, Nah fam, your adjuster is scared to fuck up. Wherever you learned that you need to believe that the adjuster is the enemy is lying to you. The more you get, the more we succeed. I have had entire claims denied and I make a FRACTION of the wages than if the damages were covered. If You're roof costs 12 grand to replace, and youre flooring was damaged, and your kitchenette and your entertainment center was damaged, and the underlaiment needs to be replaced I get a percentage (bracketed) of that total. Take my word for it ( in a catastrophe situation) if anyone tells you otherwise you can be assured they dont know what they are talking about.
Watching these insurance adjusters scamming has quickly become my new favorite passtime. Gotta say almost every video is also State Farm so that’s something to take note of. My grandparents had their own insurance company for many years and my grandma said a lot of their customers came from State Farm after having horrible experiences. Scamfarm is the term gma uses 😂
Your insurance agent will tell you not to worry, they will take care of everything. Then these adjusters show up and DENY DENY DENY, and explain how they aren't responsible for covering damage because of reasons you don't understand. Ask me how I know.
@@dc2979 Well, I can say that when an adjuster says "I can't advise you on coverage" is because they are only there to write an estimate on damages (in a CATastrophe situation) It's hard for adjusters because homeowners want answers and information. The hard truth is that your adjuster (depending on the company) cant tell you "Yeah we'll replace your roof." Because (Secret) if an adjuster tells you they will cover something, the company HAS TO COVER IT. There are stipulations. If the crew that put your roof on before a storm, did a shitty job, the INS co. IS NOT responsible because that is poor workmanship liable by the roofing company. A storm came through, the half assed job by the roofing company should have protected your home, but because of their negligence you ended up with a leaking home and damaged property. An insurance policy is not a get out of BS card. Choose your contractors wisely. Perhaps the issue is that homeowners fail to understand how insurance works. For example, if you replace your toilet, and the plumbing you put in place ruins your bathroom, thats YOUR fault and the insurance company is not required to cover it...that's not what insurance is for. All that being said, in the INS Industry, there is a stigma, that agents don't always do the best job. They want to sell you a policy and their success is contingent upon it. Your agent is responsible for your policy and the details therein. KNow your policy and know what you are buying and how it works. If I buy a new vacuum cleaner off of wish.com and it doesnt work, I cant blame wish, I was the one choosing the worst route and a risky source. Be careful.
I had a boat fire last summer they paid off with just pictures I sent them and never even came out to my house to look At the boat. They even paid me $1,200 to fix the damage. So it must be just a roof thing.
@@atheisticallysound Everyone would like their 20 plus year old replaced for mostly free. You and I know that isn't how insurance works. The roof here is done for. How much the insurance is responsible to cover is the huge question.
Both parties are supposed to use their own ladders. Since the roofer used the adjusters ladder he was telling him he had broken a known rule. What really happened here is the roofer was trying to switch the storm date from April to July. The adjuster said this had already been inspected. Meaning they had photos of all this damage way back in April but that would have been outside of 1 year to be able to file a claim for that date. So he was trying to use a new date that fell within the 1 year mark. Truthfully this roofer is unprofessional and is just your typical door knocker. The adjuster is also unprofessional. But this video is filmed in a bias way it doesn’t tell the whole truth.
@@pinkley22 No... What usually happens is the home owner either tells the insurance company the wrong date or the adjuster puts down the wrong date. Either way it can be changed as long as the date does not post date the inspection date. Nor was this 1 year after the date of the storm, thats totally made up. State Farm I deal with ALOT, lucky for me I know most of the adjusters since we do not chase storms and cover one state, but out of state adjusters do try this BS every single time. Oh.. fried shingle, 400 repairs? He here a repair estimate your shit out of luck. Then you gota waste time fighting it, finally get it do the roof then the owner drops State farm because they are corrupt as shit.
Haha well the Adjuster was still nicer than me. I'd have turned around and asked if he had his own ladder in the very beginning. I've heard of people being left on a roof, I mostly prefer everyone use their own ladders. I've let maybe 2 or 3 people use my ladders. That was after a good maybe 20 hours with each individual. The slope on this roof isn't too too bad, but I also make it clear I don't want people walking above or parallel to me. When a person starts falling natural instinct kicks in, and I dont want to be pulled off a roof or pull anyone off a roof.
Independent adjusters have little to no authority. If the insurance company is slow, an independent adjuster situation could prolong the claim for months. Especially during major events when the phone adjusters for the insurance company are overwhelmed. Independent adjuster reports will take months before they are reviewed and if there is a question or dispute it will take even longer. At least company adjusters have authority and could theoretically settle on the spot of enough information is available. Just need a good insurance company.
@@gregsteed870 The problem is 9/10 times in-house they try every way to not pay out. They probably get a commission as a percentage of each claim they successfully deny.
@@gregsteed870 As an independent working cat claims for StateFarm and many other carriers, I was encouraged to settle on site during the initial inspection anything within my 25K authority. Beyond that limit I could usually have an approval within 24 hrs. The major problem with independent adjusters on large cat is that the majority have little to no experience. Ive been on so many deployments were I would ask other adjuster about there experience and so many have no construction knowledge and never even been on a ladder. Its too easy to become and idependent adjuster.
@@gregsteed870 Not true. I inspect and upload my report and estimate the same day. Staff adjusters usually have a stack of claims on their desk that get little to no attention because of the high work load that just follows you in the office enviroment. Independent adjusters do not slow the process down at all. I've been both a staff adjuster and now an independent adjuster and as a staff adjuster I looked forward to receiving the independent adjuster's report because the hard work was done for me and in most cases I could move them off my desk much quicker...and especially so during hurricane events. And your statement about the majority of independent adjusters on Cat claims have little to no experience is just plain uninformed. Good adjusting firms weed out the inexperienced adjusters pretty quickly. Perhaps the adjusting firm you worked for hired inexperienced adjusters but I find that to not be the case with the firms I run for. Yes, it is easy to get an adjuster license but much harder to be deployed if you have no experience. It can take 3 years to really get established as an adjuster because most adjusting firms will not consider you experienced enough to handle a large claim volume.
The last one I watched the gentleman roofer had the hardest time with the insurance inspector about a nail. The gentleman done a great job not jumping.
Out of all these "adjuster tries to scam us" videos I've seen, every single one has been State Farm. You'd think after awhile they'd realize being shady is gonna lose them customers and they'll end up losing more money than if they'd just be honest and pay the claims like they should. If I've learned anything from all these videos, I'll never even ask for a quote from State Farm. I've had progressive for over a decade and they've been amazing both on my cars and my home. Had some hail come through last year. Didn't see any damage at first, but then had 3 contractors come over and take a look and they all found some damage totaling ~$4k-$5k worth of repairs. Progressive's adjuster came out and said "reside the whole house, reroof the whole house, replace both sheds, replace garage doors, replace the gutters, replace 4 windows, repaint the garage (1400sqft detached garage) and give the customer a week in a hotel". What we expected to be $4k turned into a $46k settlement off an $850/yr policy premium. THAT is how you make lifelong customers that'll recommend your company to everyone they can. State Farm's motto is "like a good neighbor, State Farm is there"... I'm starting to realize what State Farm thinks "good neighbor" means is "the local HOA president Karen who 'helps you out' by reporting every single violation she can find, refusing to uphold the HOA's end of the deal, and blaming you when the HOA maintenance guy backs into your car".
just dealt with a nightmare with progressive (15 year emerald policy holder), they dont do on sight adjustment and their stuff is so messed up, im moving to geico. they are really good.
I'm glad to hear you had a good experience. Some insureds will have a 400/yr premium on a Condo and get a 30k settlement from us and still be barking at us to upgrade the flooring. Like you been with us 2 years. We just paid for your premium for like the next 60+ years.
“You’re trying to be shady” yet thinks that running away when filmed having a genuine professional interaction on camera isn’t. 😂 that’s State Farm for you. Toooons of videos out there like this and all from Scam Farm. Who’s shady? 🧐🤨
@@havok9001 No reason for the home owner to pre warm that adjuster he was recording anything. The adjuster left after knowing he was recorded because he knew the owner now had proof of wrong doing by him.
Yeah that was sketchy as fuck when he said that like bro nothing shady at all about recording unless you are up to no good. Just give them the fucking money to get the roof fix end of discussion
Ahh good ol State farm.. a lot of ppl think they have a good rep from all the commercials and marketing but its good to see the truth being put out there. 🤣🤣 why when they find out that they're recorded they bail? This dude hopped off the ladder real quick.
"It's not storm damage right" Yeah I ain't telling you a thing. You give your report and I have my own evidence that you are full of it. I am not telling you. Guy wants the roofer to agree and he just keeps his cool. Good videos buddy
Oh yeah. Just the sound of it and seeing how the Adjuster was walking on it gave me anxiety. But I know people really stand by their athletic footwear, I've just never had a good experience on roofs with them.
Fr tho once the grit gets like that I honestly don't think it matters what type of shoe or boot you wear. Not sure anything grips thousands of mini marbles too well
One thing that bothers me as an insurance adjuster, first and foremost in this case is how un educated this adjuster seems and how any video like this seems to be allstate or statefarm. But the real thing is this general air of "Don't trust adjusters or insurance companies." I can't speak for my company at large but I can tell you I do my best to record everything and make sure you get everything you are owed for your loss. One thing people don't understand is that adjusters get payed more for more damage reported. If your house is worth 300k and I report a TL. Then I get a percentage of what your policy covers on your loss. I'm not going to report that an unlivable home is fine, firstly when I know the insured has to live in it and secondly it behooves me morally and financially to be accurate. The idea that Adjusters are trying to scam you on behalf of the company is flat stupid, because I get paid more to replace your whole roof, underlaiment, felt, shingles boots, flashing etc than to just report 1 damaged square. This isn't adjusters being scammers, this is adjusters being undereducated and lazy. Remember that next time you have an adjuster. Granted a good adjusters job is to determine whether damage was caused from the reported loss. If you tell me your garage door was damaged in the tornado but I can see the damage existed in 2012 from google street view, I'm not putting that on the claim. Maybe I'm just one of the good ones. Granted I have caught insured homeowners trying to scam the company multiple times. This idea that the homeowner would never do such a thing is laughable too. I had one homeowner send in pictures of damage after Hurricane Laura, that were allegedly his home, but he had no clue that his iphone recorded the coords of where the pictures were taken MILES away. Kinda weird when you're like "Hey, this picture of your home shows ridge vents and....well your house doesnt have them.
I'm glad someone said it! I appreciate you bringing knowledge to the comment section. Sometime it's really just about how much you know! Besides that I'm hoping insurance companies will move away from hourly pay. Because component is were it's at! Thanks again!
@@ericrhodesbusiness Yeah. I mean component pay really does motivate an Adjuster to find damage. Hourly and day rate seems to inspire laziness, or a bare minimum attitude. Plus being W2 on a storm sucks. Lol I like my tax deductions.
@@rockyalliston1122 A lot of independent adjusters on fee are very detailed and thorough and seem to be more comprehensive than the day-rate cat adjusters, especially at the some of the carriers I won't name. Desk adjusters and staff field adjusters can go either way as well. I have good luck with a lot of people with great personality and work ethic, some absolute super star adjusters and supervisors. District managers of the highest and lowest caliber. Certain carriers, guidelines and people give adjusters a bad name but in general a very good group of folks. Also the newbies on cat claims cause some obvious issues.
The adjuster's are absolutely trying to short pay claims. Every major carrier has a set of internal guidelines they have to follow for estimating that specifically omits certain line items in the estimate. The adjuster's are then graded on whether or not they follow those guidelines. If they don't they are written up and fired. This prejudices their ability to fairly adjust each claim on their own individual merit. This type of "shady" practice is why people should never trust their insurance company. These videos also show how inept most of the adjuster's really are. They have little to no construction back ground and don't know how to actually repair anything, yet they are the same ones who think they are somehow qualified to determine if something is repairable. It would be like having a someone with no IT background or qualifications tell you that your computer cannot be fixed. Not to mention getting your adjusters license is a complete joke of a class and does not actually train or ensure anyone is qualified to do the job.
I have been with State Farm for over 30 years, i have know my Agent longer, went to him when i needed help and have been with him ever since even though i don't live in the same city i grew up in.
lmao I like how he brought up the shoes the ruffers were possibly wearing while he has running shoes on.. EVEN better is when he realized he's being recorded and decides too gtfo. Priceless
If the guy is that worried about a simple recording, Im betting he is the one who does the scams, like under reporting the loss to the insurance company which is what they hire guys like this to do.
It’s just common courtesy to let someone know you are filming them. I wouldn’t let someone film me. It’s my preference. It’s not a matter of trying to hide something or being shady.
@@redcell9636 you’re missing my point. I’m not saying he can’t record. I’m saying he shouldn’t. Of course I can’t stop anyone from doing what they want to do, but I don’t have to stay there and be subjected to it. Also, you are seriously misinformed if you think adjusters get some type of incentive to under report (your words) a loss.
Never dealt with a roofer that didn't bring it up. How to save on deductible or eliminate it. If you are a roofer in business and say you cannot help eliminate the deductible.....You will not be in business long if you tell a homeowner it is against the law.
This roof clearly has MASSIVE wind damage. Definitely a bona fide claim. So sad to see Scam Farm try to wiggle out of their responsibility to their customer. Don't see what the problem is with recording - you're on the customer's property and they want a record of what happened from the roofer. The roofer didn't even show the Scam Farm adjuster's face.
*Massive visual wind damage* Adjuster: "What happened here???" *hawkeye vision for smallest damage possible while also Stevie Wondering the massive wind damage*
Anytime i see a patch job, I run... plenty of work out there insurance loves seeing repairs... homeowner should have fought harder the first time. Not to mention your date of loss was before the "tornado".
Unfortunantly steel roofs are susceptible to hail damage, at least cosmetically. And clients expect insurance companies to pay for cosmetic damage, so they would just be in a similar boat. A high wind rating such as class g of h and a hail rating of class 4 would be the better alternative. Something like synthetic composite if you want longevity. Or and hear me out... homeowners can actually replace their roofs when they need it and not let them deteriorate to the point a slight breeze will break them. Plus stop buying 3 tab shingles, their trash.
I don't get it , tar paper roofs.. and then needing insurance because they are damaged?? IF the insurance was fair up front , they would simply say "Your roof material is shitty tar paper, i'm not insuring it, get a real roof" but obviously they want the money , greed. knowing full well they won't pay out any claim.
@@gregsteed870 We had 1 heck of a hail storm here that destroyed cars and home ac units. My 24ga metal roof did not even have a dent where the standard tar shingle roof had to be replaced on every house in my entire neighborhood. Some neighbors who must have the shingle roof look decided to go with metal shingles which look like Architectural Shingles but is metal and has a lifetime warranty
@@starga-fr7qx Mother nature is more harsh than ever and most honest roofers will be up front and tell you that asphalt shingles do not last the expected life anymore.
I'd have to go back and re-watch. I only remember him mentioning one hole and I think he said it was soft and there was no felt. There didn't appear to be any reason to believe that it was caused by storm damage, I didn't see a close up on it or anything. From a spectator role, kinda is hard to tell. Regardless. With all the wind damage shingles on the slope, I'd probably try to push for it being "storm related" so I could slope out the side. Considering they didn't go to the other slope, it almost looks like the wind damage was isolated to the one side. Would love to see a full home inspection to see if any siding was damaged.
Had to call Allstate for roof damage after a storm. The adjuster had some boots he glued and strapped thick foam rubber to the soles just for walking on roofs. A few checks and photos then he measured the roof and came down and inspected all of my windows and window screens for hail damage also. He said people forget about them all the time. He told me about all the damage and more that I couldn’t even see. He said he would get this taken care of quickly and that a check would be in the mail unless my agent brought it personally. I’ve been with Allstate for 17 years for my home insurance and at least 23 for my car insurance. They’ve been great anytime I’ve had a claim.
Don't step on ridge. You don't know if it's a truss roof with no ridge board running between your rafters or stick-built roof that has a ridge-board. That, and you don't want to crease,bend,fold,crack or otherwise damage your ridge-cap.
NOTHING shady about home owner recording it. I have done same when i had roof damage that the adjuster lied about. I won my case and got a full roof replacement after letting the insurance company know i gave the recording to may attorney to submit as an exhibit.
These adjusters for insurance companies like St Farm and progressive are trained to spend most of their time looking for any reassign they can to lessen the settlement. They then make a cut of the money they save the company.
Based on your conversation, I’m guessing there were 2 storms. The initial storm in April that caused some damage, and then the tornado caused additional damage. If that’s the case, it should be 2 claims. If all that damage was actually from one storm, at least that left slope deserves replacement even though there’s some prior repairs.
Which shingles were damaged in April and which shingles were damaged in June? No one knows unless a inspection was completed for April storm damage before the June storm. I guess the storms left a date stamp.
@@jamesaustin1817 Dumbo. The adjuster said the date of loss was April. The roofer said there was a tornado in July. When was the claim filed??? The insurance company could have inspected it prior to July. DEEEEEEEEEEErrrrrrrrrrrrrrRRRRRRRRRRRRRRRRRRRRRRRRRRR
@@jamesaustin1817 The inspector indicated there was an inspection after the April storm and prior to this claim request, but it's a little unclear. This is why I don't give a date of loss, the "we don't know, we just discovered the damage is better than getting it wrong or damn near impling there were two dates of loss like this roofer did. If they paid for a repair for the April storm, then a replacement after the latest storm, there would be two deductibles and the initial repair $$ taken off the replacement claim as you likely know. Do you think him being there helped? I don't, quite the opposite.
@@allaboutroofing2 in 20 years of adjusting claims for big red, my guess is that the lifted tabs from April never reseal and blew off with the June storm. I would do everything to buy the homeowner a new roof. Homeowners are the ones stuck between everyone fighting. My moto is pay and move on.
As a contractor state farm was the worst to deal with ever,had to start lean processes on homes after waiting forever to be paid in order to get homeowners to start calling their insurance companies and find out why payout was taking forever, I don't recommend insurance work or statefarm
Im a independent insurance adjuster.. its obvious af that this roof needs fully replaced.. at worst the right slope without a doubt. Didnt really see the left slope, we make more $ the more damage we find. Always request an IA not a adjuster that works for the insurance company. Js.
When dealing with insurance companies it’s good to get a lawyer. They are in the business of money in and no money out. I know of plenty of ppl where it’s almost like insurance companies don’t pay and see what they can get away with.
If ther was that much wind damage then the debris that was flying caused damage for sure. The only time i ever have any luck with an adjusters is when ther independent and i think it should be a 3rd neutral party who decides not an employee of the insurance company
I think that it's funny every time one of these adjusters is caught getting filmed they leave. Not only that on his way off he walked all over the ridgvent creating damage as the nails pull out. They may not pull out far but it will create a problem in the future. Your not suppose to walk on the ridgvents bud, I install tones of new ridgvents a year for what I do and i would never allow that to happen. I think the insurance world are the shady ones. People pay all these premiums on time and still get denied when they need to use it and to that I say ridiculous. Also if he was doing his job right and on the up and up he wouldn't have to worrie about saying something he wasn't suppose to on camera.
The one next to it appears to be nearly brand new, older roofs are more susceptible to damage. Not to mention the bulk of the wind damage would be on the other slope, if there is damage.
I'm in the construction industry recording interactions isnt shady i use it to take not of issues in the work or dishonest inspectors but haven't had any yet... sound advice is to record all interactions with inspectors ect... best investment I've made was a simple body cam
My parents have state farm. Their house was built in 1987 and still had the original roof. In 2021 that filed a claim for a new roof, it was denied twice after the adjuster came out, but luckily they had a good agent for state farm who was able to make it happen. They have had that house since 1996 and have paid over $50,000 in home owners insurance, never having filed a claim. It was the biggest headache and one of the other things they do is they will only give the home owners half the amount and they paid the company the other half directly. They clearly do this so home owners don't just pocket addition money by getting the work done for less then estimates, but WHO CARES. If they roof need replacing and they know the cost then the insurance companies are out the money anyways. They would rather pay more because of higher estimates when paying companies directly than the home owners pocketing a small (or substantial in some cases) difference. Even if the home owner pocketed the entire thing and never got it done, oh well. They did their part and paid it out, now it's the homes owners problem.
The homeowner can, they just need to get their contractors license. And that is actually not that hard. All I had to do was spend $100 on a guaranteed to pass test and $45 to my state licensing board.
One of the reasons that he may have been upset that you were recording him without letting him know was because walking on a roof without proper safety equipment is an OSHA violation and if you have it recorded it's hard to say it didn't happen. He could face a fine or be fired from his job
LMFAO why would he even say ate you recording me ,are you trying to catch me say something shady 🤣 😂 If he is a real dude he wouldn't even worry about SAYING SOMETHING SHADY lol ,but why would he ask 🤣🤣🤣🤣🤣🤣
Wonder what the life span is of these adjusters walking around on a roof and taking photos. Like a good neighbor...State Farm is there (then gone after being video'd). If it comes down to money who can you trust? If they can find anything that was there preceding the actual damage they will use that to deny. Perfection doesn't exist except at State Farm.
I think that would have depended on if it was his ladder or the roofers. If it was the insurance guy than yes. If you're smart alway use your OWN ladder.
Three Tab, is not supposed to be brick pattern 1/2 & 1/2, if done like this water gets channeled into lines straight down cutting the holes he was looking at. There is a pattern (key way) on the packaging for 3 tab, just incase you find yourself installing it on a shed or something. Get that guy a new roof bro, keep it up. Steeper the better:)
Yeah they get commission based on denial, That can be a shit show though. These waste of space are actively encouraged by upper management not to pay out or pay as little as possible.
Bullshit. Adjusters get paid more the bigger the claim. They have every incentive to find all covered damage but they have guidelines they have to follow as well.
No, they don't get bonuses. Adjusters for insurance companies get salary. Independent Adjusters get paid based on how much they write for and when they deny for prior damage, prior workmanship issues, etc, they get paid less for being honest. There is a lot of contractor fraud out there as well and many of them just so happen to hold a camera filming what they want people to see
Snake Farm is what we like to call them. Anyone who has State Farm or anything with farm in the name you better change companies immediately. They will not cover your house
Insurance companies need to be reined in under federal law. There's no point in having insurance when they find any reason to not cover a loss. Why even have it then?
3tabs Hold 80mph if in perfect shape Creased or missing shingles is wind damage Hail has to break fiberglass or into matting Looks like the ridge vent is meshed padded brand it hardly lets heat out. Also dont know intake notes. No intake hot attic blisters and delaminating shingles Likely a mix of all that And a cheeky adjuster
LOL He instantly called you "Shady", accused you of forcing him to "say something" and tried to leave you on the roof. This entitled brat's boss/dad should make him slow down on the weed, it's making him delusional and paranoid.
When you defeat jeff you gotta face this guy
😂
Lmfao 😂 Yeah FUCK Jeff
jake?
🤣🤣🤣💯
Jeff was light work. An absolute embarrassment.
He was out there like Usain Bolt when he knew he was being recorded
In some states, it could be considered wire tapping. Some states do require both parties to consent to recording such meetings.
@@MrSiestaFiesta not just video... Audio as well...
Screw those states
Always state that you’re recording when they arrive
@@pinksand719 RECORD ALL GOVERNMENT OFFICIALS WITH AUDIO
THEY DESERVE NOTHING LESS !!!
@@pinksand719 make sure you live in a state with one party consent rules when recording audio
He left quick when he realized he was being recorded because NOW HE HAS TO LIVE UP TO HIS WORDS OR GO TO JAIL FOR INSURANCE FRAUD!!!!!!! Yes adjusters must fallow the law too
But they don't and 99% of them get slap on the wrist.
follow*
@@MrSiestaFiesta big fast fingers
Always establish you’re recording from the beginning. Total change of tone every time. Always protect yourself
Geeze, yeah, if you are insurance adjuster you are in a veritable Iron Maiden of laws and regulations. If your adjuster is shitty all you have to do (lawfully) is whimper and he gets fined and may face jail time. I dont understand how people don't know how regulated and controlled insurance is. It's not the f-ing wild west.
My first time in the field was Hurricane Harvey. I was working a claim when I saw the insureds Liquor collection. They had a Patron suitcase and I remarked "Wow, thats cool I didnt know Patron made a suitcase" they insisted I take it home because they didnt want it. I was terrified they would use it against me if their claim was denied. Which, it wouldnt have been because it was hurricane friggin Harvey.
The issue is that people think adjusters are able to lie, and cheat the system, and deny claims at their liesure and that's just not the way it works. We could go to jail for S I M P LY B E I N G D I S H O N E S T. If a contractor is dishonest they have far more legal wiggle room than an insurance professional and if they tell you that's incorrect it's simply because they aren't educated in how the insurance industry works. (I say all of this knowing full well you wont believe me).
Yet there is this general "Understanding" that you cant trust your adjuster lol, Nah fam, your adjuster is scared to fuck up. Wherever you learned that you need to believe that the adjuster is the enemy is lying to you. The more you get, the more we succeed. I have had entire claims denied and I make a FRACTION of the wages than if the damages were covered. If You're roof costs 12 grand to replace, and youre flooring was damaged, and your kitchenette and your entertainment center was damaged, and the underlaiment needs to be replaced I get a percentage (bracketed) of that total. Take my word for it ( in a catastrophe situation) if anyone tells you otherwise you can be assured they dont know what they are talking about.
Watching these insurance adjusters scamming has quickly become my new favorite passtime. Gotta say almost every video is also State Farm so that’s something to take note of. My grandparents had their own insurance company for many years and my grandma said a lot of their customers came from State Farm after having horrible experiences. Scamfarm is the term gma uses 😂
Your insurance agent will tell you not to worry, they will take care of everything. Then these adjusters show up and DENY DENY DENY, and explain how they aren't responsible for covering damage because of reasons you don't understand. Ask me how I know.
@@dc2979 Well, I can say that when an adjuster says "I can't advise you on coverage" is because they are only there to write an estimate on damages (in a CATastrophe situation) It's hard for adjusters because homeowners want answers and information. The hard truth is that your adjuster (depending on the company) cant tell you "Yeah we'll replace your roof." Because (Secret) if an adjuster tells you they will cover something, the company HAS TO COVER IT. There are stipulations. If the crew that put your roof on before a storm, did a shitty job, the INS co. IS NOT responsible because that is poor workmanship liable by the roofing company. A storm came through, the half assed job by the roofing company should have protected your home, but because of their negligence you ended up with a leaking home and damaged property. An insurance policy is not a get out of BS card. Choose your contractors wisely. Perhaps the issue is that homeowners fail to understand how insurance works.
For example, if you replace your toilet, and the plumbing you put in place ruins your bathroom, thats YOUR fault and the insurance company is not required to cover it...that's not what insurance is for.
All that being said, in the INS Industry, there is a stigma, that agents don't always do the best job. They want to sell you a policy and their success is contingent upon it. Your agent is responsible for your policy and the details therein. KNow your policy and know what you are buying and how it works. If I buy a new vacuum cleaner off of wish.com and it doesnt work, I cant blame wish, I was the one choosing the worst route and a risky source. Be careful.
I had a boat fire last summer they paid off with just pictures I sent them and never even came out to my house to look
At the boat. They even paid me $1,200 to fix the damage. So it must be just a roof thing.
It all depends on adjuster.
@@atheisticallysound Everyone would like their 20 plus year old replaced for mostly free. You and I know that isn't how insurance works. The roof here is done for. How much the insurance is responsible to cover is the huge question.
Imagine never working a day in your life and telling men who have for decades they are doing it wrong.
This is the one
The vendors we call in for roofing, plumbing, and ac are all absolute morons who phome everything in.
Time served has a negative effect.
ahhhhhh i see i see
Tell them you’re recording from the beginning, then share with the world. No more shenanigans..
Ehh…That boy seem like he been on a roof or two..
He goes “YouRE on my ladder” like that means oh sorry I’m not letting you off the roof since you caught me trying to scam 😂😂
Both parties are supposed to use their own ladders. Since the roofer used the adjusters ladder he was telling him he had broken a known rule.
What really happened here is the roofer was trying to switch the storm date from April to July. The adjuster said this had already been inspected. Meaning they had photos of all this damage way back in April but that would have been outside of 1 year to be able to file a claim for that date. So he was trying to use a new date that fell within the 1 year mark.
Truthfully this roofer is unprofessional and is just your typical door knocker. The adjuster is also unprofessional. But this video is filmed in a bias way it doesn’t tell the whole truth.
@@pinkley22 where you get the information on the dates? From the video it wasn't conclusive as there was no proof for either party.
@@asfowenn he made that shit up lmao
@@pinkley22 No... What usually happens is the home owner either tells the insurance company the wrong date or the adjuster puts down the wrong date. Either way it can be changed as long as the date does not post date the inspection date. Nor was this 1 year after the date of the storm, thats totally made up. State Farm I deal with ALOT, lucky for me I know most of the adjusters since we do not chase storms and cover one state, but out of state adjusters do try this BS every single time. Oh.. fried shingle, 400 repairs? He here a repair estimate your shit out of luck. Then you gota waste time fighting it, finally get it do the roof then the owner drops State farm because they are corrupt as shit.
I was honestly just waiting to see if he would take his ladder down so the roofer couldn't get off... LOL
Lmao he was trying to grab that ladder up and leave you on the roof
Lol you peep that huh lol mf should make running his career mf took off on the guy 😆 🤣
Haha well the Adjuster was still nicer than me.
I'd have turned around and asked if he had his own ladder in the very beginning.
I've heard of people being left on a roof, I mostly prefer everyone use their own ladders.
I've let maybe 2 or 3 people use my ladders. That was after a good maybe 20 hours with each individual.
The slope on this roof isn't too too bad, but I also make it clear I don't want people walking above or parallel to me.
When a person starts falling natural instinct kicks in, and I dont want to be pulled off a roof or pull anyone off a roof.
Boy when he found out you was recording he took off like he just robbed you. He also looked like a robber
He said you're on my ladder so you might want to come on.
In other words, since I'm leaving you should come too, or you'll be left up here
Sounds about Right
I don't know why these videos keep showing up in my feed, but keep em coming! 🤣🤣
Yup!
This process goes alot smoother with independent adjusters. In house adjusters don't pay squat
Independent adjusters have little to no authority. If the insurance company is slow, an independent adjuster situation could prolong the claim for months. Especially during major events when the phone adjusters for the insurance company are overwhelmed. Independent adjuster reports will take months before they are reviewed and if there is a question or dispute it will take even longer. At least company adjusters have authority and could theoretically settle on the spot of enough information is available. Just need a good insurance company.
@@gregsteed870 The problem is 9/10 times in-house they try every way to not pay out. They probably get a commission as a percentage of each claim they successfully deny.
@@gregsteed870 As an independent working cat claims for StateFarm and many other carriers, I was encouraged to settle on site during the initial inspection anything within my 25K authority. Beyond that limit I could usually have an approval within 24 hrs. The major problem with independent adjusters on large cat is that the majority have little to no experience. Ive been on so many deployments were I would ask other adjuster about there experience and so many have no construction knowledge and never even been on a ladder. Its too easy to become and idependent adjuster.
@@gregsteed870 Not true. I inspect and upload my report and estimate the same day. Staff adjusters usually have a stack of claims on their desk that get little to no attention because of the high work load that just follows you in the office enviroment.
Independent adjusters do not slow the process down at all. I've been both a staff adjuster and now an independent adjuster and as a staff adjuster I looked forward to receiving the independent adjuster's report because the hard work was done for me and in most cases I could move them off my desk much quicker...and especially so during hurricane events.
And your statement about the majority of independent adjusters on Cat claims have little to no experience is just plain uninformed. Good adjusting firms weed out the inexperienced adjusters pretty quickly.
Perhaps the adjusting firm you worked for hired inexperienced adjusters but I find that to not be the case with the firms I run for.
Yes, it is easy to get an adjuster license but much harder to be deployed if you have no experience. It can take 3 years to really get established as an adjuster because most adjusting firms will not consider you experienced enough to handle a large claim volume.
The last one I watched the gentleman roofer had the hardest time with the insurance inspector about a nail. The gentleman done a great job not jumping.
I watched that one too.
Fuckin Jeff
I like the guy filming is “trying to be shady” by having a record of what happened 😂
This guy is cool. I’ve done an inspection with him. State Farm gave a full approval after his visit.
It honestly looks like you. I think you're that adjuster!!
STATE FARM SUCKS I WOULD NEVER INSURE WITH THEM EVER!!!!
An insurance adjuster for State Farm, calling someone else "shady".
🤣🤣🤣🤣
These adjuster videos are the best!!!
I'm loving the yard space there.
Out of all these "adjuster tries to scam us" videos I've seen, every single one has been State Farm.
You'd think after awhile they'd realize being shady is gonna lose them customers and they'll end up losing more money than if they'd just be honest and pay the claims like they should. If I've learned anything from all these videos, I'll never even ask for a quote from State Farm. I've had progressive for over a decade and they've been amazing both on my cars and my home. Had some hail come through last year. Didn't see any damage at first, but then had 3 contractors come over and take a look and they all found some damage totaling ~$4k-$5k worth of repairs. Progressive's adjuster came out and said "reside the whole house, reroof the whole house, replace both sheds, replace garage doors, replace the gutters, replace 4 windows, repaint the garage (1400sqft detached garage) and give the customer a week in a hotel". What we expected to be $4k turned into a $46k settlement off an $850/yr policy premium. THAT is how you make lifelong customers that'll recommend your company to everyone they can.
State Farm's motto is "like a good neighbor, State Farm is there"... I'm starting to realize what State Farm thinks "good neighbor" means is "the local HOA president Karen who 'helps you out' by reporting every single violation she can find, refusing to uphold the HOA's end of the deal, and blaming you when the HOA maintenance guy backs into your car".
just dealt with a nightmare with progressive (15 year emerald policy holder), they dont do on sight adjustment and their stuff is so messed up, im moving to geico. they are really good.
@@ShotgunRumble auto or home ? What do you mean they don't do on site adjustments?
Best comment ever
@@ShotgunRumble Let me put you on game. Homesite is the underwriter for HO policies for both progressive and geico.
I'm glad to hear you had a good experience. Some insureds will have a 400/yr premium on a Condo and get a 30k settlement from us and still be barking at us to upgrade the flooring. Like you been with us 2 years. We just paid for your premium for like the next 60+ years.
I’m still amazed how y’all are walking comfortably on that roof
“You’re trying to be shady” yet thinks that running away when filmed having a genuine professional interaction on camera isn’t. 😂 that’s State Farm for you. Toooons of videos out there like this and all from Scam Farm. Who’s shady? 🧐🤨
i tell him in case something happens it ur word against my so i record for my lawyer & in court use if it go there
Snake farm 🐍
@@havok9001 No reason for the home owner to pre warm that adjuster he was recording anything. The adjuster left after knowing he was recorded because he knew the owner now had proof of wrong doing by him.
The definition of shady is being scared of a camera!!!!
Yeah that was sketchy as fuck when he said that like bro nothing shady at all about recording unless you are up to no good. Just give them the fucking money to get the roof fix end of discussion
Ahh good ol State farm.. a lot of ppl think they have a good rep from all the commercials and marketing but its good to see the truth being put out there. 🤣🤣 why when they find out that they're recorded they bail? This dude hopped off the ladder real quick.
"It's not storm damage right"
Yeah I ain't telling you a thing. You give your report and I have my own evidence that you are full of it. I am not telling you. Guy wants the roofer to agree and he just keeps his cool. Good videos buddy
You can literally hear the crunch of the shingles last dying breath as the grit leaves it's body
Oh yeah. Just the sound of it and seeing how the Adjuster was walking on it gave me anxiety.
But I know people really stand by their athletic footwear, I've just never had a good experience on roofs with them.
@@rockyalliston1122 skateboard shoes and a thin cushion below just for shts and giggles you know for the adjuster and all 😂
Fr tho once the grit gets like that I honestly don't think it matters what type of shoe or boot you wear. Not sure anything grips thousands of mini marbles too well
@@timmytuttle3974 haha 🤣
@@timmytuttle3974 yup you're not wrong.
Even with cougar paws might be sketchy.
When Raiden inspects your roof. Abd realizes he's being filmed
I was taught to use my own ladder to meet an adjuster and to point out damage and don't argue..
I want to know if he tried or successfully pulled the ladder away before letting you off the roof.
What he was hurrying for was to remove the ladder from the roof. That’s why he said “your on my ladder” and jumped from the roof. 😂🤣😂🤣😂🤣
One thing that bothers me as an insurance adjuster, first and foremost in this case is how un educated this adjuster seems and how any video like this seems to be allstate or statefarm.
But the real thing is this general air of "Don't trust adjusters or insurance companies."
I can't speak for my company at large but I can tell you I do my best to record everything and make sure you get everything you are owed for your loss.
One thing people don't understand is that adjusters get payed more for more damage reported.
If your house is worth 300k and I report a TL. Then I get a percentage of what your policy covers on your loss. I'm not going to report that an unlivable home is fine, firstly when I know the insured has to live in it and secondly it behooves me morally and financially to be accurate.
The idea that Adjusters are trying to scam you on behalf of the company is flat stupid, because I get paid more to replace your whole roof, underlaiment, felt, shingles boots, flashing etc than to just report 1 damaged square.
This isn't adjusters being scammers, this is adjusters being undereducated and lazy.
Remember that next time you have an adjuster. Granted a good adjusters job is to determine whether damage was caused from the reported loss. If you tell me your garage door was damaged in the tornado but I can see the damage existed in 2012 from google street view, I'm not putting that on the claim. Maybe I'm just one of the good ones.
Granted I have caught insured homeowners trying to scam the company multiple times. This idea that the homeowner would never do such a thing is laughable too. I had one homeowner send in pictures of damage after Hurricane Laura, that were allegedly his home, but he had no clue that his iphone recorded the coords of where the pictures were taken MILES away. Kinda weird when you're like "Hey, this picture of your home shows ridge vents and....well your house doesnt have them.
I'm glad someone said it!
I appreciate you bringing knowledge to the comment section.
Sometime it's really just about how much you know!
Besides that I'm hoping insurance companies will move away from hourly pay. Because component is were it's at!
Thanks again!
Great points but not valid for adjuster on day rate. And there are a lot of them.
@@ericrhodesbusiness Yeah. I mean component pay really does motivate an Adjuster to find damage.
Hourly and day rate seems to inspire laziness, or a bare minimum attitude.
Plus being W2 on a storm sucks. Lol
I like my tax deductions.
@@rockyalliston1122 A lot of independent adjusters on fee are very detailed and thorough and seem to be more comprehensive than the day-rate cat adjusters, especially at the some of the carriers I won't name.
Desk adjusters and staff field adjusters can go either way as well.
I have good luck with a lot of people with great personality and work ethic, some absolute super star adjusters and supervisors. District managers of the highest and lowest caliber.
Certain carriers, guidelines and people give adjusters a bad name but in general a very good group of folks. Also the newbies on cat claims cause some obvious issues.
The adjuster's are absolutely trying to short pay claims. Every major carrier has a set of internal guidelines they have to follow for estimating that specifically omits certain line items in the estimate. The adjuster's are then graded on whether or not they follow those guidelines. If they don't they are written up and fired. This prejudices their ability to fairly adjust each claim on their own individual merit. This type of "shady" practice is why people should never trust their insurance company. These videos also show how inept most of the adjuster's really are. They have little to no construction back ground and don't know how to actually repair anything, yet they are the same ones who think they are somehow qualified to determine if something is repairable. It would be like having a someone with no IT background or qualifications tell you that your computer cannot be fixed. Not to mention getting your adjusters license is a complete joke of a class and does not actually train or ensure anyone is qualified to do the job.
I have been with State Farm for over 30 years, i have know my Agent longer, went to him when i needed help and have been with him ever since even though i don't live in the same city i grew up in.
lmao I like how he brought up the shoes the ruffers were possibly wearing while he has running shoes on.. EVEN better is when he realized he's being recorded and decides too gtfo. Priceless
Why would he have a problem with being recorded? The only reason I would think is because he has something to hide
If the guy is that worried about a simple recording, Im betting he is the one who does the scams, like under reporting the loss to the insurance company which is what they hire guys like this to do.
It’s just common courtesy to let someone know you are filming them. I wouldn’t let someone film me. It’s my preference. It’s not a matter of trying to hide something or being shady.
@@bdub8522 not in single-party consent states, and private property all expectations of privacy go put the window for non-resident visitors.
@@redcell9636 you’re missing my point. I’m not saying he can’t record. I’m saying he shouldn’t. Of course I can’t stop anyone from doing what they want to do, but I don’t have to stay there and be subjected to it. Also, you are seriously misinformed if you think adjusters get some type of incentive to under report (your words) a loss.
@@bdub8522 Lmao you are a snowflake. Imagine if you knew how much the government records you without your permission. You would flip
Dude definitely took his ladder and left him stranded on the roof 🤣🤣🤣
What a damn coward!
I couldn't walk on a roof. Might not have been able to do it when I was younger, either. Surprised he's doing it in regular tennis shoes.
I got my roof done couple months back and these guys know how to work it even covered my deductible zero out of pocket $17000 roof 😀
Well just to let you know… It’s illegal for a roofing company to cover or help you avoid your deductible…
Never dealt with a roofer that didn't bring it up. How to save on deductible or eliminate it. If you are a roofer in business and say you cannot help eliminate the deductible.....You will not be in business long if you tell a homeowner it is against the law.
That man was gonna leave him up there at the end lol
You have to understand they don't want to pay you nothing no matter how long you been paying them. It's business they don't care
Like a good neighbor.. good thing jake from state farm was there..
This roof clearly has MASSIVE wind damage. Definitely a bona fide claim. So sad to see Scam Farm try to wiggle out of their responsibility to their customer. Don't see what the problem is with recording - you're on the customer's property and they want a record of what happened from the roofer. The roofer didn't even show the Scam Farm adjuster's face.
There is NO problem with the home owner recording it other than that adjuster being worried his lies will get him in trouble.
*Massive visual wind damage*
Adjuster: "What happened here???"
*hawkeye vision for smallest damage possible while also Stevie Wondering the massive wind damage*
And all the obvious wind damage on the other homes too.
Anytime i see a patch job, I run... plenty of work out there insurance loves seeing repairs... homeowner should have fought harder the first time. Not to mention your date of loss was before the "tornado".
Thats a beautiful property
Insurance company - Do you like fucking people over ? Job applicant - Yes. Insurance company - You are hired.
Simple solution - get a 24ga metal roof properly installed and never have roof concerns again unless the entire roof blows off
Unfortunantly steel roofs are susceptible to hail damage, at least cosmetically. And clients expect insurance companies to pay for cosmetic damage, so they would just be in a similar boat. A high wind rating such as class g of h and a hail rating of class 4 would be the better alternative. Something like synthetic composite if you want longevity. Or and hear me out... homeowners can actually replace their roofs when they need it and not let them deteriorate to the point a slight breeze will break them. Plus stop buying 3 tab shingles, their trash.
I don't get it , tar paper roofs.. and then needing insurance because they are damaged??
IF the insurance was fair up front , they would simply say "Your roof material is shitty tar paper, i'm not insuring it, get a real roof"
but obviously they want the money , greed. knowing full well they won't pay out any claim.
@@gregsteed870 We had 1 heck of a hail storm here that destroyed cars and home ac units. My 24ga metal roof did not even have a dent where the standard tar shingle roof had to be replaced on every house in my entire neighborhood. Some neighbors who must have the shingle roof look decided to go with metal shingles which look like Architectural Shingles but is metal and has a lifetime warranty
@@starga-fr7qx Mother nature is more harsh than ever and most honest roofers will be up front and tell you that asphalt shingles do not last the expected life anymore.
@@bc5891 I don't think they ever were worth a damn, in europe we just put clay roof tiles.
mine are dated 1923.. what hail damage?
How does he figure holes in the roof were not caused by the storm? Does he not think wind from the storm blew something into the roof?
Right? That was my first thought.
I'd have to go back and re-watch.
I only remember him mentioning one hole and I think he said it was soft and there was no felt.
There didn't appear to be any reason to believe that it was caused by storm damage, I didn't see a close up on it or anything. From a spectator role, kinda is hard to tell.
Regardless. With all the wind damage shingles on the slope, I'd probably try to push for it being "storm related" so I could slope out the side.
Considering they didn't go to the other slope, it almost looks like the wind damage was isolated to the one side.
Would love to see a full home inspection to see if any siding was damaged.
Sick basket weave on the first valley
Only thing shady is an inspector who thinks being recorded is a bad thing because he might be shady
Listen to the age of those shingles with every step, be lucky if some of those snake farms guys don't just call it a maintenance issue
Had to call Allstate for roof damage after a storm. The adjuster had some boots he glued and strapped thick foam rubber to the soles just for walking on roofs. A few checks and photos then he measured the roof and came down and inspected all of my windows and window screens for hail damage also. He said people forget about them all the time. He told me about all the damage and more that I couldn’t even see. He said he would get this taken care of quickly and that a check would be in the mail unless my agent brought it personally. I’ve been with Allstate for 17 years for my home insurance and at least 23 for my car insurance. They’ve been great anytime I’ve had a claim.
That adjuster won’t be with them much longer
Always record your inspectors. Video evidence is priceless
Absolutely records it. I did and used it to win my case.
So the inspector just steps all over the peak in the beginning? I was ALWAYS told to NEVER do that
Never step on ridge cap, but just regular roof ain’t nothing
Yes it is. It’s not supported as well an can crack the shingles.
@@jackadamz3 never heard that, but I can understand that
Don't step on ridge. You don't know if it's a truss roof with no ridge board running between your rafters or stick-built roof that has a ridge-board. That, and you don't want to crease,bend,fold,crack or otherwise damage your ridge-cap.
Dude is a savage for wearing those shoes on THAT roof… obviously he’s been at it for a while, and the guy filming seems new
What adjuster goes on the roof without proper boots
Anyone that gets scared of a camera is a scammer, liar, or cheater. Thought we was going to jump off roof because he could not run fast enough.
as soon as he sees you recording he books it off the roof bc it’s “shady” you’re recording🤣. He’s obviously shady himself
NOTHING shady about home owner recording it. I have done same when i had roof damage that the adjuster lied about. I won my case and got a full roof replacement after letting the insurance company know i gave the recording to may attorney to submit as an exhibit.
That roof is toast, I would have pulled up and known from the ground that the roof was being replaced.
These adjusters for insurance companies like St Farm and progressive are trained to spend most of their time looking for any reassign they can to lessen the settlement. They then make a cut of the money they save the company.
Like a good neighbor State Farm is there
Based on your conversation, I’m guessing there were 2 storms. The initial storm in April that caused some damage, and then the tornado caused additional damage. If that’s the case, it should be 2 claims.
If all that damage was actually from one storm, at least that left slope deserves replacement even though there’s some prior repairs.
Which shingles were damaged in April and which shingles were damaged in June? No one knows unless a inspection was completed for April storm damage before the June storm. I guess the storms left a date stamp.
@@jamesaustin1817 Dumbo. The adjuster said the date of loss was April. The roofer said there was a tornado in July. When was the claim filed??? The insurance company could have inspected it prior to July. DEEEEEEEEEEErrrrrrrrrrrrrrRRRRRRRRRRRRRRRRRRRRRRRRRRR
@@jamesaustin1817 The inspector indicated there was an inspection after the April storm and prior to this claim request, but it's a little unclear. This is why I don't give a date of loss, the "we don't know, we just discovered the damage is better than getting it wrong or damn near impling there were two dates of loss like this roofer did. If they paid for a repair for the April storm, then a replacement after the latest storm, there would be two deductibles and the initial repair $$ taken off the replacement claim as you likely know. Do you think him being there helped? I don't, quite the opposite.
@@allaboutroofing2 in 20 years of adjusting claims for big red, my guess is that the lifted tabs from April never reseal and blew off with the June storm. I would do everything to buy the homeowner a new roof. Homeowners are the ones stuck between everyone fighting. My moto is pay and move on.
@@jamesaustin1817🤣 State farm's policy has never been "just pay and move on." I guess you are the exception?
He came to my house this past week and he stopped doing his job we got a complain with State Farm. 😡😡🤬🤬
As a contractor state farm was the worst to deal with ever,had to start lean processes on homes after waiting forever to be paid in order to get homeowners to start calling their insurance companies and find out why payout was taking forever, I don't recommend insurance work or statefarm
How have I just found these adjuster scams?
I have a genuine question, is this becoming a bigger issue or has it always been and people just atarted recording it?
Looks like I’m not the only one going down the roofing inspector rabbit hole…
Is it just me? or should you never stand parallel to a ridge line unless you're rigged up with a line, especially if your wearing Nike tennis shoes?
OSHA regs say you are correct
Do you use a Public Adjuster to handle your claims ?
Did he try to pull the ladder down before you were off the roof?
I'm about to be a new home owner. I'll never choose statefarm.
What kinda boots do you use
Well, 🤔 I've never seen an adjuster act like that before. He could have saved face better by sticking it out and being polite and informative.
Im a independent insurance adjuster.. its obvious af that this roof needs fully replaced.. at worst the right slope without a doubt. Didnt really see the left slope, we make more $ the more damage we find. Always request an IA not a adjuster that works for the insurance company. Js.
When dealing with insurance companies it’s good to get a lawyer. They are in the business of money in and no money out. I know of plenty of ppl where it’s almost like insurance companies don’t pay and see what they can get away with.
If ther was that much wind damage then the debris that was flying caused damage for sure. The only time i ever have any luck with an adjusters is when ther independent and i think it should be a 3rd neutral party who decides not an employee of the insurance company
I think that it's funny every time one of these adjusters is caught getting filmed they leave. Not only that on his way off he walked all over the ridgvent creating damage as the nails pull out. They may not pull out far but it will create a problem in the future. Your not suppose to walk on the ridgvents bud, I install tones of new ridgvents a year for what I do and i would never allow that to happen. I think the insurance world are the shady ones. People pay all these premiums on time and still get denied when they need to use it and to that I say ridiculous. Also if he was doing his job right and on the up and up he wouldn't have to worrie about saying something he wasn't suppose to on camera.
Man. If it’s one thing I’ve learned from watching these videos is to never have insurance with State Farm ever!
Bro has gloves on💀
Strange how tornados destroy one home and the one 50’ away looks almost new.
The one next to it appears to be nearly brand new, older roofs are more susceptible to damage. Not to mention the bulk of the wind damage would be on the other slope, if there is damage.
The one next to it I think is new. They probably had a nice adjustor
The one next to it had an insurance company that was on point
Is this in Andover KS?
I'm in the construction industry recording interactions isnt shady i use it to take not of issues in the work or dishonest inspectors but haven't had any yet... sound advice is to record all interactions with inspectors ect... best investment I've made was a simple body cam
Well did he let you off the roof? Plenty of damage on that roof for a replacement.
I need an answer!!!!! Did he take the ladder or not or what happened lol
I'm at 1:04 into it please tell me this adjuster isn't going to say this roof is malleable and repairable
My parents have state farm. Their house was built in 1987 and still had the original roof. In 2021 that filed a claim for a new roof, it was denied twice after the adjuster came out, but luckily they had a good agent for state farm who was able to make it happen. They have had that house since 1996 and have paid over $50,000 in home owners insurance, never having filed a claim. It was the biggest headache and one of the other things they do is they will only give the home owners half the amount and they paid the company the other half directly. They clearly do this so home owners don't just pocket addition money by getting the work done for less then estimates, but WHO CARES. If they roof need replacing and they know the cost then the insurance companies are out the money anyways. They would rather pay more because of higher estimates when paying companies directly than the home owners pocketing a small (or substantial in some cases) difference. Even if the home owner pocketed the entire thing and never got it done, oh well. They did their part and paid it out, now it's the homes owners problem.
The homeowner can, they just need to get their contractors license. And that is actually not that hard. All I had to do was spend $100 on a guaranteed to pass test and $45 to my state licensing board.
One of the reasons that he may have been upset that you were recording him without letting him know was because walking on a roof without proper safety equipment is an OSHA violation and if you have it recorded it's hard to say it didn't happen. He could face a fine or be fired from his job
Who fault is dat?
He is probably an independent adjuster. IN that scenario, OSHA does not apply, as he is the employer/owner, not an employee...
LMFAO why would he even say ate you recording me ,are you trying to catch me say something shady 🤣 😂
If he is a real dude he wouldn't even worry about SAYING SOMETHING SHADY lol ,but why would he ask 🤣🤣🤣🤣🤣🤣
Wonder what the life span is of these adjusters walking around on a roof and taking photos.
Like a good neighbor...State Farm is there (then gone after being video'd). If it comes down to money who can you trust? If they can find anything that was there preceding the actual damage they will use that to deny. Perfection doesn't exist except at State Farm.
We are thinking about switching toState Farm. Is this normal for them?
It also looks like he tried to beat you to the ground so he could take the ladder and leave you on the roof I wish there was more video
Ikr, why would he stop recording there... looks like the dude jumped off the ladder right at the end
Wtf. Yeah he did. Must of been some back story to this.
I think that would have depended on if it was his ladder or the roofers. If it was the insurance guy than yes. If you're smart alway use your OWN ladder.
Workin up the ladder I see
If in fact no felt was installed then it would dry the shingles out and make them fail
Three Tab, is not supposed to be brick pattern 1/2 & 1/2, if done like this water gets channeled into lines straight down cutting the holes he was looking at. There is a pattern (key way) on the packaging for 3 tab, just incase you find yourself installing it on a shed or something. Get that guy a new roof bro, keep it up. Steeper the better:)
Wonder if the adjusters get bonuses if they deny the claims or make them cheaper.
Yeah they get commission based on denial, That can be a shit show though. These waste of space are actively encouraged by upper management not to pay out or pay as little as possible.
Bullshit. Adjusters get paid more the bigger the claim. They have every incentive to find all covered damage but they have guidelines they have to follow as well.
No, they don't get bonuses. Adjusters for insurance companies get salary. Independent Adjusters get paid based on how much they write for and when they deny for prior damage, prior workmanship issues, etc, they get paid less for being honest. There is a lot of contractor fraud out there as well and many of them just so happen to hold a camera filming what they want people to see
Snake Farm is what we like to call them. Anyone who has State Farm or anything with farm in the name you better change companies immediately. They will not cover your house
If it’s already been inspected why is he there
Rumor has it dude is still on the roof lol that adjuster flew off the steps to take his ladder down quick! Lol poor guy
I wish all of my claims have this much damage on the roof. Easy report, easy estimate, buy the roof
Insurance companies need to be reined in under federal law. There's no point in having insurance when they find any reason to not cover a loss. Why even have it then?
3tabs
Hold 80mph if in perfect shape
Creased or missing shingles is wind damage
Hail has to break fiberglass or into matting
Looks like the ridge vent is meshed padded brand it hardly lets heat out. Also dont know intake notes. No intake hot attic blisters and delaminating shingles
Likely a mix of all that
And a cheeky adjuster
Yo I got that same ladder 😂
State Farm is like the progressive of car insurance
Sadly it used to be Allstate that had the reputation for denying everything.
LOL He instantly called you "Shady", accused you of forcing him to "say something" and tried to leave you on the roof.
This entitled brat's boss/dad should make him slow down on the weed, it's making him delusional and paranoid.