The illegal practice of barratry also is an issue, with case runners going door to door, appearing at flea markets, or holding meetings in hail affected jurisdiction, soliciting claims on behalf of attorneys, he says.
All insurers need to use the factor or age of the shingles in computing the proper dollar settlement. Why pay for a new roof if the shingles are over 15 years old. Claim should be depreciated
I have 30 years in Construction/Roofing, to me it seems the Insurance Company’s get it their way the majority of the time, I have seen all situations, We have times that a Roof is beaten badly by Hail, nearly all the gravel is gone, but because there are no Hits hard enough and it’s not leaking, the Insurance doesn’t have to pay, even though that Roof is now degraded and the Life of the Roof is dramatically reduced, that is wrong, you have a damaged product, the Insurance should have to pay without a big fight, but the Insurance has to much influence on Adjusters, that why they get it their way in the field. Also something should be done about all the Roofers practically flooding the Home Owners after a Storm, it seems like harassment in some cases, also many of the door knockers have little or no experience in Roofing or Construction and their out there giving advice like they were a Pro, it’s sad Home owners get harassed, fly by night Roofers do shoddy work, the real Pros get diminished work opportunities, I guess we need Roofing laws in Texas that work, when there is damage the Insurance companies should pay, the Roof should be installed properly and guaranteed with possibly a small policy, and Home Owners shouldn’t be harassed after a Storm.
Hail storms don’t remove ALL of the gravel, but a 20 year roof that is 35 years old does lose its gravel. That isn’t the insurance company’s responsibility. That is the responsibility of owning a building – to pay for regular maintenance, which includes paying for a new roof when it’s past its useful life.
The illegal practice of barratry also is an issue, with case runners going door to door, appearing at flea markets, or holding meetings in hail affected jurisdiction, soliciting claims on behalf of attorneys, he says.
All insurers need to use the factor or age of the shingles in computing the proper dollar settlement. Why pay for a new roof if the shingles are over 15 years old. Claim should be depreciated
Because homeowner policies provide replacement cost coverage…
I have 30 years in Construction/Roofing, to me it seems the Insurance Company’s get it their way the majority of the time, I have seen all situations, We have times that a Roof is beaten badly by Hail, nearly all the gravel is gone, but because there are no Hits hard enough and it’s not leaking, the Insurance doesn’t have to pay, even though that Roof is now degraded and the Life of the Roof is dramatically reduced, that is wrong, you have a damaged product, the Insurance should have to pay without a big fight, but the Insurance has to much influence on Adjusters, that why they get it their way in the field. Also something should be done about all the Roofers practically flooding the Home Owners after a Storm, it seems like harassment in some cases, also many of the door knockers have little or no experience in Roofing or Construction and their out there giving advice like they were a Pro, it’s sad Home owners get harassed, fly by night Roofers do shoddy work, the real Pros get diminished work opportunities, I guess we need Roofing laws in Texas that work, when there is damage the Insurance companies should pay, the Roof should be installed properly and guaranteed with possibly a small policy, and Home Owners shouldn’t be harassed after a Storm.
Hail storms don’t remove ALL of the gravel, but a 20 year roof that is 35 years old does lose its gravel. That isn’t the insurance company’s responsibility. That is the responsibility of owning a building – to pay for regular maintenance, which includes paying for a new roof when it’s past its useful life.