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Any reason to go with a public adjuster for roof claim? Florida

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Any reason to go with a public adjuster for roof claim? Florida

Old 11-11-2020, 05:33 PM
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Default Any reason to go with a public adjuster for roof claim? Florida

Had a tornado come through my area back in June. Trees uprooted, telephone poles down, lots of damage. Fortunately we didn't have any damage (edit - that I could see) but some neighbors recently got their roofs replaced due to wind damage - lifting and creasing. I had a couple of roofers give me quotes and they say I have wind damage and should file a claim. My mortgage guy recommended a public adjuster but now I'm wondering if there is any benefit to giving a guy a 10-15% cut for a straight forward claim?


Last edited by acteg; 11-11-2020 at 06:02 PM.
Old 11-11-2020, 05:41 PM
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You lost my sympathy back when you stated "Fortunately we didn't have any damage", But yes, if you want to rip off your insurance company then definitely use a public adjuster.
Old 11-11-2020, 05:50 PM
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So, do I need to have the roof ripped off or a water leak?

You think it's possible that a tornado that ripped trees out of the ground next to my property might have done some damage that I can't see from ground level on a house which is nearly 3 stories tall?

If experts, who actually climbed on to my roof, are telling me I have damage that should be fixed, shouldn't I get if fixed before it causes more damage which would result in an even bigger claim?

You know the insurance company sends out an inspector. They don't just write you a check...The reason I am even talking to a public adjuster is because I don't trust the roofing companies to be unbiased and wanted someone independent, hence the recommendation from my mortgage guy.

No one is asking for your sympathy. You come off as an asshole.

Last edited by acteg; 11-11-2020 at 06:03 PM.
Old 11-11-2020, 06:02 PM
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Gotta love these guys that offer absolutely no help and what you labeled him was correct. Call your insurance Company not agent and ask them to send an adjuster based on what you said above. I thought my roof was fine after Sally. Then I started noticing pieces of shingles in my yard a few weeks later. Called and yep I'm getting a new roof. Minus 6k deductible.
Old 11-11-2020, 06:11 PM
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I used one after Irma for my roof and it as worth it. I won’t use one again for flood they didn’t provide much on flood.
Old 11-11-2020, 06:25 PM
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I had to use one a few years after a hurricane .
Had a good amount of damage and ins company paid to repair not replace $6k .
3 years later I got adjuster after a big leak formed . They paid for a new roof minus the original 6k they paid when refusing to replace roof.
Its a joke , the adjuster for me and the adjuster for the ins company we’re friends .
Its a formality the ins company forces you into to get repairs done.
Sucks but next claim I will hire another to not go through BS Again.
Old 11-11-2020, 06:36 PM
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Where in FL are you? A good roofing company staffs very well trained, licensed and certified inspectors that will provide an assessment of your roof condition. Have this done before filing a claim and get the roofing company to offer honest feedback on whether your claim will have merit with the insurer. Most of these guys all know each other and have knowledge on what insurers will accept or decline your claim. Facts are, not all roof issues can be seen by the untrained eye and insurers are often willing to provide a new roof as it will better protect their insured asset from future peril. If you are in central FL I will gladly refer the company we recently used as they were great to do business with.
Old 11-11-2020, 06:59 PM
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What ever you do create a log of every conservation, appointments, phone calls and so on including names and times. If you have a problem this will help. Everything you tell them write it down right then. Public adjusters have their place sometimes, maybe more than you would expect.
Old 11-11-2020, 06:59 PM
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Friend in The Keys was going to get shafted by his ins co after Irma. I play rugby with a public adjuster. Got them in contact and my friend in the keys got taken care of, so a happy ending.
Old 11-11-2020, 07:08 PM
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Originally Posted by Gary - CFL View Post
Where in FL are you? A good roofing company staffs very well trained, licensed and certified inspectors that will provide an assessment of your roof condition. Have this done before filing a claim and get the roofing company to offer honest feedback on whether your claim will have merit with the insurer. Most of these guys all know each other and have knowledge on what insurers will accept or decline your claim. Facts are, not all roof issues can be seen by the untrained eye and insurers are often willing to provide a new roof as it will better protect their insured asset from future peril. If you are in central FL I will gladly refer the company we recently used as they were great to do business with.
Gary, I'm in central Fl as well. Appreciate the feedback on the contractor you used.
Old 11-11-2020, 07:45 PM
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Originally Posted by acteg View Post
Gary, I'm in central Fl as well. Appreciate the feedback on the contractor you used.
Cool! I’ll PM you.
Old 11-11-2020, 09:24 PM
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Full disclosure. I am an independent insurance adjuster. I make more money as the total estimate rises. First, I would say that it depends on your insurance company.

When there are differences in opinions - most of the issues (based on my experience) can be resolved by getting a contractor who is familiar with dealing with insurance claims. Especially for something as simple as roof damage. The contractor will know what to do to get the insurance company to come closer to agreeing to a new roof if that is what they think you need. The contractor will write an estimate that applies any code upgrades (ice water shield, renailing etc...) and the desk adjuster will review it and compare it to the field adjuster's estimate.

If you hire a PA, you're automatically giving up a percentage to him. Based on some that I've seen, they'll load their estimate up with ridiculous stuff that no reasonable person would expect. For example, I had a claim where there were some creased and missing shingles. Nothing serious, the felt was still present. It was widespread enough that I pushed for a full roof replacement. The PA's estimate had almost $2000 for sheathing (decking) in the event that they found damaged sheathing. There was no indication, and very little likelihood, that there was storm damage to the sheathing. Insurance doesn't pay for "what might be there", they pay for what is there.

If a contractor finds damage that was not visible during the inspection, he simply provides photos and sends them (along with an estimate) to the desk adjuster and it is usually added to the claim if it is related to the storm (or cause of loss). There is no need to add items for "just in case there is damage".

I've worked with a few good PAs who just wanted to make the homeowner whole again. I always get along with those guys. But it seems that too many are only interested in running up the claim so that their 10 or 20% yields more money. As a homeowner and an adjuster - I have a moral problem with that.

That being said, we were hit by Hurricane Michael. Four of my neighbors had to hire a PA because their insurance companies weren't covering all of the damage. The good thing is that the PA's based their fee on the increase in settlement, not the whole thing.

So, I'd say give your insurance company a chance. If they don't satisfy you, then talk with a PA.

One other thing. Pretty much every roofer wants to replace your roof. Don't automatically believe what they tell you.

Last edited by rickpcfl; 11-11-2020 at 09:31 PM.
Old 11-11-2020, 09:31 PM
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Originally Posted by drowning shrimp View Post
I had to use one a few years after a hurricane .
Had a good amount of damage and ins company paid to repair not replace $6k .
3 years later I got adjuster after a big leak formed . They paid for a new roof minus the original 6k they paid when refusing to replace roof.
Its a joke , the adjuster for me and the adjuster for the ins company we’re friends .
Its a formality the ins company forces you into to get repairs done.
Sucks but next claim I will hire another to not go through BS Again.
I don't know what insurance company you deal with, but that is certainly not the case for most companies. In fact, it usually costs them more money to go that route because the PA pads the claim to run it up. Reputable insurance companies benefit much more by paying for all legitimate damage/repairs and making the insured happy so that they continue paying premiums - allowing the company to recoup their money.

As an adjuster, I've replaced a high percentage of roofs on the first inspection. As noted above, I make more money as the claim total goes up. Why would I purposely keep it low if there was legitimate damage that I could pay for?

Old 11-12-2020, 03:01 AM
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Thanks Rick, that was really informative.
Old 11-12-2020, 06:55 AM
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Originally Posted by rickpcfl View Post
For example, I had a claim where there were some creased and missing shingles. Nothing serious, the felt was still present. It was widespread enough that I pushed for a full roof replacement. The PA's estimate had almost $2000 for sheathing (decking) in the event that they found damaged sheathing. There was no indication, and very little likelihood, that there was storm damage to the sheathing. Insurance doesn't pay for "what might be there", they pay for what is there.
That happens because of:

I am an independent insurance adjuster. I make more money as the total estimate rises.
I worked with husband/wife adjusters. They were also paid a %. You would be shocked at the crap they added in.

OP only get an adjuster involved after you see the adjustment summary or are denied.
Old 11-12-2020, 07:43 AM
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Originally Posted by Water50 View Post
Friend in The Keys was going to get shafted by his ins co after Irma. I play rugby with a public adjuster. Got them in contact and my friend in the keys got taken care of, so a happy ending.
Insurance company beat me up after Charlie. A co-worker hired and adjuster and did very well. I'd never deal with the insurance company without an adjuster again.
Old 11-12-2020, 07:59 AM
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Originally Posted by acteg View Post
So, do I need to have the roof ripped off or a water leak?

You think it's possible that a tornado that ripped trees out of the ground next to my property might have done some damage that I can't see from ground level on a house which is nearly 3 stories tall?

If experts, who actually climbed on to my roof, are telling me I have damage that should be fixed, shouldn't I get if fixed before it causes more damage which would result in an even bigger claim?

You know the insurance company sends out an inspector. They don't just write you a check...The reason I am even talking to a public adjuster is because I don't trust the roofing companies to be unbiased and wanted someone independent, hence the recommendation from my mortgage guy.

No one is asking for your sympathy. You come off as an asshole.
Just call your insurance company and open a claim. They will send out an adjuster to look over the issue. Between them and the roofer they should be able to figure out the damages. Or hire some who will take 15% of you claim money.
Old 11-12-2020, 08:02 AM
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Depending on the complexity of the roof, roofing companies and the insurance company are likely to use a satellite based roof measuring system (Skyview, Eagle View) or use a ground based measuring system called Hover. Those applications measure the roof in almost to the inch detail, provide pitch and tell you have many squares you have, facets, ridges etc. So when the measurements are input into the estimating software, it's just a matter of adding the stuff for a roof that is needed - drip edge, flashings, felt, vents, ridge, ice and water shield in places that experience freezing or ice, shingles (20-30 year or laminate). On a legit roof inspection, not a lot of inventing can pad an adjustment to get you 15% extra to cover the PA.

If you really want to know if you have damage and don't want to have an unnecessary claim against your policy if there is no damage....contact a ladder assist company (Hancock Roofing Consultants) or others that are Haag certified. They'll get on the roof, do the Hover or Eagleview, inspect, take photos and send you a damage assessment report. Couple hundred bucks. Cheaper than a PA and the insurance company will accept their opinion.

Most ladder assist companies, like Hancock are not roofing repair companies. They are guys with ladders, no fear and a camera....all they do is inspect and make reports. They are not affiliated with any roof repair company.
Old 11-12-2020, 08:05 AM
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Originally Posted by Claim View Post
Depending on the complexity of the roof, roofing companies and the insurance company are likely to use a satellite based roof measuring system (Skyview, Eagle View) or use a ground based measuring system called Hover. Those applications measure the roof in almost to the inch detail, provide pitch and tell you have many squares you have, facets, ridges etc. So when the measurements are input into the estimating software, it's just a matter of adding the stuff for a roof that is needed - drip edge, flashings, felt, vents, ridge, ice and water shield in places that experience freezing or ice, shingles (20-30 year or laminate). On a legit roof inspection, not a lot of inventing can pad an adjustment to get you 15% extra to cover the PA.

If you really want to know if you have damage and don't want to have an unnecessary claim against your policy if there is no damage....contact a ladder assist company (Hancock Roofing Consultants) or others that a Haag certified. They'll get on the roof, do the Hover or Eagleview, inspect, take photos and send you a damage assessment report. Couple hundred bucks. Cheaper than a PA and the insurance company will accept their opinion.
Thanks. Good info!
Old 11-12-2020, 08:14 AM
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In FL a hail storm in your neighborhood should be considered hitting the ghetto lottery. If you have a 15 year old worn out roof you deserve a brand new roof at no cost to you. Don’t worry this is not the reason home owners insurance is difficult and expensive in FL. Tons of fraudsters to help strong arm your ins company into paying. Any confident roof will have a list of them.

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