The Windstorm Insurance Network (Wind) is a one of a kind organization where representatives of insurers and policyholders collaborate in a professional exchange of information and learning about wind damage claims. A recent notice about flat roof claims issues caught my attention. Tara Stone is on the Wind board of directors and has organized this event. I think it is worth your attendance if you handle claims involving wind damage to flat roofs.
An appraisal of a disputed roof loss resulted in Citizens Property Insurance Company sending a salvage letter stating the following:
Continue Reading Is Citizens Property Insurance in the Roof Tile Salvage Business?
What happened to fast and accurate property insurance claim handling? Most Floridians gave insurance companies a chance to do a great job. Many are very disappointed. The above photo depicting roof damage is just one example.
Continue Reading Why Are Hurricane Ian Claims Adjustments So Wrong, Low, and Slow?
Quick question—what insurance defense law firm did I leave in 1985?
A recent blog, Litigating Tile Roof Claims, explains the view regarding roof litigation following Hurricane Ian from the insurance company view. The blog starts off with the typical default argument: there is no damage, and all the roof claims are fraudulent. It then notes law that arguably allows salvaged and boneyard tiles to be used:
Continue Reading Roof Claim Litigation View from Insurance Company Attorneys
Note: This guest post is by Steven Thomas. As President and Owner of Roof Leak Detection Company, Inc., Steven Thomas has evaluated over 20,000 roofing systems on commercial, industrial, and residential properties, and has been qualified in court as an expert regarding roof testing and evaluations. His company is an approved Testing Laboratory and has held this certification since 1994.
Why? The obvious reason is many homeowners and maintenance personnel do not know what to look for. That’s not a knock on them—roof damage can be very obvious or subtle.
Continue Reading Hire A Professional to Inspect Your Roof Following Hurricanes or Severe Weather Events
Most people never get on their roof after a hurricane. For many, they cannot physically do so, and it would be dangerous for them to attempt to climb up and inspect the roof for damage. Finally, even if a policyholder climbed up and inspected for roof damage, would they know what to look for?
Continue Reading Hurricane Roof Damage? How Does a Policyholder Know?
Florida’s 25% roofing rule is gone. The insurance lobby convinced Florida legislators to stop following good roofing construction practices this past summer. The newly passed legislation in Florida’s special session may allow insurance companies to patch rather than replace significant portions of your hurricane-damaged roof. Previously, if a roof was damaged more than 25%, it had to be replaced.
Continue Reading Roof Damage From Hurricane Ian? Understand Florida’s New Roofing Law
Patrick Carr has an interesting YouTube Channel that focuses primarily on topics of interest to restoration contractors, including the topic raised in yesterday’s post, The Reasonably Comparable Shingle Debate. I met Patrick while he oversaw the taping of me in Orlando about ten days ago. Jen Silver and Crystal Waterson interviewed me in
A significant adjustment debate is often the availability of reasonably comparable shingles. The typical disagreement arises when a shingle is no longer manufactured or does not match existing shingles on a damaged roof. The insurer will investigate. It then makes a payment based on a finding that comparable shingles exist and can be used to repair the damage. The insurer does not invoke the right to repair.
Continue Reading The Reasonably Comparable Shingle Debate
Roofing damage claims are the most common and contentious adjustment experiences. This video went viral. From speaking with many restoration contractors and public adjusters, the events of this video are unfortunately repeated more often than not.
Continue Reading The Roofing Claim Video