Any reason why when requesting a 2nd inspection from the insurance company are estimates from the roofer requested?

Would appreciate it if any of you guys have come across this and explain why they ask for this.

They want to compare apple to apples.

They are also trying to reconcile the estimate without a reinspection. This is very common and you shouldn't be alarmed.

If a reinspection is warranted it is usually to agree on measurements. I have found that if the squares are inline then everything else tends to fall in line as well.

Make sure that all of your ducks are in a row include everything that you can think is damaged from the storm- peril.

Just remember getting a supplement after you and the insurance company agree on scope/price will be very difficult.

Well, let's first figure out why you're requesting a 2nd inspection.

Did they say 'no damage' & you are saying 'YES damage'?

Or is it a difference in measured size or listed components / scope of work?

If it's the difference in price then I agree that you need to sharpen your pencil; double check the calculations, re-check the component list (size / type / quantity, etc) & if you are confident in your info, then send it on in.

There is always a possibility they will agree to your request without having an onsite inspection performed on their end.
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The insurance company said "no damage" we say otherwise. Before they agree to another reinspect they want an estimate from us.

all you contractors that try and push these bogus claims through all should be shot. it raises everybody elses insurance that never had a claim.

I wouldn't sling any mud quite yet mrroofer. There are a lot of unknowns.

1. Experience level of the adjuster.
2. Experience level of the roofer/salesman.
3. What type of damage to the roof.
4. The age of the damage.
5. The age of the roof.
6. Time that each inspection was completed.
Sunny, overcast, etc....

I have been in the same situation on separate occasions as a roofer and adjuster.

As an adjuster I have had roofers continuously say that blisters were hail damage. This told me a lot about their skill level at detecting hail damage.

As a roofer I only been in the situation a few times
since were I lived at the time there wasn't that much hail.

The insurance companies know what zip codes down to the neighborhood and the size of the hail stones in each of the neighborhoods.
How? I don't know but their method is accurate.

oldtimerroofing fill in the gaps if you want better advise.

mrroofer wrote:

all you contractors that try and push these bogus claims through all should be shot. it raises everybody elses insurance that never had a claim.

No such thing as pushing through a bogus claim. The contractor has NO say in the matter the insurance company has the ONLY say. If there is damage it will be bought if no damage then the roof is denied.

Please explain how we push these bogus claims through and how it raises insurance rates.

I see a lot of jealous roofing contractors whining on forums and spewing there hatred toward insurance restoration contractors.
Set by your phone and wait for calls while we roof hundreds of homes a year that do have damage.
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Just had the home reinspected by different adjuster. The roof was approved for replacement. Turns out the original insurance adjuster was not familiar with hail damage. 2nd adjuster found hits on all slopes. Turns out it wasn't a bogus claim just a novice adjuster from Allstate.

mrroofer wrote:

all you contractors that try and push these bogus claims through all should be shot. it raises everybody elses insurance that never had a claim.

Hi Hater!

Open mouth, insert foot much?



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Stormer wrote:

If there is damage it will be bought if no damage then the roof is denied. [/quote]

I'm sorry but I hate to say it but I have to disagree that "idea".

A few years ago was on a roof with two upper level adjusters for a very well known but very unrespected insurance carrier. Won't mention which carrier but most in the know would know.

The boss of the other adjuster asked me two questions.

#1. You've been on roofs with hail and or wind damage that gets denied right? YES.

#2. You've been on roofs with no hail or wind damage that gets approved right? YES.

There you go that's the insurance business for you...

So far have had two claims go into the hands of an outside engineer and both have been approved for roofs.

It should be that if you have damage you get a new roof but it simply is just not the case.

Been on a lot of roofs with no damage that were approved.

oldtimerroofing wrote:

Just had the home reinspected by different adjuster. The roof was approved for replacement. Turns out the original insurance adjuster was not familiar with hail damage. 2nd adjuster found hits on all slopes. Turns out it wasn't a bogus claim just a novice adjuster from Allstate.

If this 1st adjuster was from the Buffalo, New York area, then I know exactly who you're talking about.

I had a younger adjuster come out to a rather large & complicated roof for a reinspection & he denied this one again (was the original adjuster & his statement was that the shingles needed to be fully fractured all the way through & grit loss (however much) wasn't a sufficient enough reason.



I finally got a 2nd adjuster out who had more experience in hail & he approved the claim; apparently the 1st adjuster (for visit # 1 & 2) had only been doing property claims for 6 months.



Yes, this was AllState.
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sorry, dont need to go down that road to sell jobs. just doing it the honest way. so much for what you's can say. hope can can sleep at night.

Agape wrote:

mrroofer wrote: all you contractors that try and push these bogus claims through all should be shot. it raises everybody elses insurance that never had a claim. Hi Hater! Open mouth, insert foot much?

Mrroofer, after just reviewing your posting history I have a question for you.

Why do you post on this forum? Is it to get under people's skin? Or tell everyone about the size of your business, expenses associated with it, and how much profit you turn?

Oh also, the honest way. Is this the way where you weasel out of being responsible for interior damage from water intrusion? Glad to hear that the guys who caused the leak weren't yours. Wonder if they took responsibility for their actions the honest way.

I bet this was a fun one to draw in sketch.

mrroofer wrote:

sorry, dont need to go down that road to sell jobs. just doing it the honest way. so much for what you's can say. hope can can sleep at night.

I sleep on a big, fluffy, memory foam king size bed, next to my beautiful wife.

Do you sleep on your "i dont do insurance work" attitude? Or do you sleep on a box of coil nails? Which ever it is, it sure makes you a grumpy bastid.
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