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I mean he literally mentioned the homeowner code upgrades in the video so I sure he knows what he’s doing and not every policy switches to ACV due to age

​@@GggghBbhh you clearly don't understand how insurance works and I hope you're not a contractor. Some insurance companies don't allow for code upgrade in their policy. You can yell at the insurance companies much as you want that the roof doesn't meet code but if it's not in the policy they could give two shits less. And yes every major carrier is switching over to ACV after a roof hits 10 years. It is 100% going to happen and it is happening now. Good luck because you do not know what you are talking about.

I've gotten many quotes replacement+ gutters and removing old pool solar $25k-$30k . Own 3 1/2 modular home that in 2022 we received bad damage. Modular home lost quite a bit of shingles plus our house because of French doors flood damage they paid out $19k . So maybe fact to close together . State farms don't want pay us. Of course wife dealt with the issue.

Look into an iTEL report (something like that), and they should prove that you can’t match anything to it, meaning insurance should cover to replace all of it? I’m not 100% sure

@@user-hx3te4ue4r look a comment from a faceless coward without a nickel to there name.

Love your comment. These roof "sales" people are the main reason we are seeing high insurance rates. Always love when they show up in their lifted 3/4 ton pickup!

88 shingles they paid to get repaired do you know how hard and impossible it is to lift up all those shingles without damaging the other ones . It makes no sense at all . But I’m happy that code coverage stepped in and won this . I appreciate your comment sir

@@tylersims6754 Most homeowners never replace the 88 shingles. They pocket the money.

@@rack9458 There are homeowners who pocket the money which is silly but they do.

Thank you i can look like Mr rogers and. Still whoop internet keyboard Guys on the daily

@@tylersims6754 sure bud

They are equally bad about EVERYTHING!!! Don't expect any claim to be honored!!! They really are that BAD. They whittle you down to nothing.

No the insurance company paid. You sound mad 😂

@@DonMateo-pz6nz Where do you think the insurance company got the money to pay for that roof? Do you think the shareholders paid for it? Do you believe the company's management paid for it? No.... it was the other policyholders that paid for that roof. That's why rates are so high now. Insurance fraud is rampant throughout Florida, which has caused rates to triple over the past few years. You bet your arse I'm mad about that.... scammer.

I worked in home improvement as painter. I sometimes noticed roofs that were bad. I had a number of customers call their state farm agents and the roofs were replaced. Then a few years ago they got a new CEO that decided they were spending too much on replacement roofs, so State Farm started denying all claims. The thing to remember is even old roofs are covered in the policy and were replaced in the past. If State Farm doesn't want to pay for them, they need to change their policies and inform their customers.

​@@donnash5813No....instead State Farm and every other insurer has priced the cost of a replacement roof into EVERY new policy and stopped writing policies for roofs over 12 years old. You scammers are so ludicrous.

@@johnnynick9115 I have State Farm. They paid (minus my deductible) for my new roof two years ago. The roof was 20 years old. It had wind damage. I had to fight them for 6 months. I'm not a scammer. It was covered under my policy.

HUGE win in my books! F State Farm. Congrats on the win boys!

How’s he giving contractors a bad name if he’s pushing the insurance company for a better job?

Did you not see the original video that was over 10 minutes? Pull your head from your ass and quit typing nonsense 😂

I don't follow this guy or anything, but I've seen him in quite a few videos arguing with insurance adjusters multiple times including even getting his attorney involved in one of the cases. He really does care about the home owners not getting screwed, he goes out of his way. More than most contractors

Jake, is that you?

The problem is that the shingles are brittle. When he tries to lift up one shingle, the adjacent shingles lift and and tear.

@@pv5759 He's only breaking shingles because 1) it's cold, 2) he's being impatient, and 3) he wants an insurance company to pay out so that he can charge a maximum rate that most homeowners don't accept. Source: more than a decade of professional roofing experience

I am in the same situation!! They will cover back slope only, I'm in a townhouse so the total cost is lower but will still be about 10K. I have a contractor working on getting the whole thing replaced. So what ended up happening with your claim?

@@jojose417 I've had to sue them! They only offered to pay for part of the front and the shingles were no where close to matching the other part of the front, and there was also damage in the back they wouldn't personally come checkout. They only sent some 3rd party inspector out (worked for Hamilton) and he was up on my roof for maybe 5 minutes. SF refused to send one of their own people out to see what my roofer was finding. I should know something by middle of September.

Asphalt shingles only last about 15 years in Florida heat. If you have an 18-year-old roof, consider yourself lucky the insurer is willing to pay you ANYTHING. Once you've hit the tail-end of life expectancy on your roof it's pretty unreasonable to expect the insurer to pay for a new replacement. Take whatever they offer and be thankful.

If you live in Nebraska, look up Pillar Exteriors. We work with and defeat State Farm consistently. We have letter from TAMKO that help with this situation. Give us a call

Having about the same luck with State Farm

even if we suspect fraud it’s unethical to accuse a policyholder.

Send State Farm the estimate from your roofer.

@@r3g1na22 did and they did nothing

@@76TomD which denial letter did they send you

File another claim if you have a hail claim make sure that it’s over your deductible Also the hail dates must align with the date of Loss - lightning date 2/22/22 lightning loss 2/22/22

Find a roofing contractor that has experience working with these garbage insurance companies, they should be able to make it happen, I'm in the process of that myself.

What state?

You all act as if these insurance companies don't share the same exact house and home policy. It's all the same language. Go read your damn insurance policy that you signed a binding contract over. Know what the hell you're signing and what the policy is covering. You think the insurance company is just going to agree to whatever a contractor stipulates? Are you all that naive? These policies are a sudden and accidental perils-based policy. For you less intelligent folks, that means damage has to fall under a specific loss type. If an ice dam broke off under your window and took your gutter off, guess what, that's a coverable loss. If mr joe blow roofing contractor knocks on your door and says "Howdy there homeowner. "Say, I was driving by and noticed your roof was looking a bid worse for the wear. "How do you say you call your insurance company and we will try and replace your roof for you?" "Sound good?" Sorry, that's not how the insurance company works. You don't just get a new roof because a contractor says so. @@jojose417

@@glenwoodforeI read my policy thank you for the advice, they have covered the majority of the roof. They are a pain to deal with so will switch to a company that some of the contractors I’ve worked with recommend. My roof did have wind damage, if that isn’t covered I’m more than happy to not pay for that coverage, but since they charge me for that coverage and I pay for it I was finally able to get them to pay for what I am covered for.