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Thank you for taking the time to watch. Would you mind sharing with me how you found the video?

Thank you for your comment. Scenario A: The at fault drivers' insurance will evaluate the damage caused and the cost to repair the damage against the current value of the vehicle. This comparison will either result in the vehicle being totaled and an actual cash value payment being made. Scenario B: Same as scenario A Definitions are important. Liability means the insurance company will repair damage that you do to someone else. It will not pay for the damage to your vehicle. Comprehensive coverage is added to pay for things like Rock chips, theft, and fire damage to your car. Collision coverage is added to pay for damage to your car that is your fault In the insurance world a car has either Liability only or Liability with comprehensive and collision coverage added commonly known as full coverage.

Thank you

If the cost to repair the damage reaches a certain percentage of the value of the car the insurance company will total the vehicle instead of repairing it. The total will be made off of the actual cash value of your car. The insurance company will go out and find comparison that should be very similar to your car's mileage, features and what the current market is bearing for your car.

Hello and thank you for your comment. Always happy to do a deep dive on the topic. Due to the variation in the way the master association policy can be written simplistic was the goal in this one. Please feel free to contact me if you should have questions.

Your comment made my day, Thank you!!!!!!

Hi Ozzy, when someone rear ends you, in most cases they will be seen at fault for the accident. If that is the case their insurance company should work with you to repair your car, provide a rental car, etc. If the cost to repair the car is enough to total the car, their insurance should pay you for the actual cash value of your car. The only reason to get a lawyer involved is if you have been injured severely. I would ask this same question to your current agent and let them guide you. Thank you for your comment.

@scottagencyinc.7911 they took my case I started chiropractic on Friday

@@ozzymartinez9544 Speedy recovery.

We agree it can be done however the insurance industry does not recommend it. In the long run it is better to tear off and replace. You may save the labor cost at first but will eventually pay for the additional labor and haul away of the Mutiple layers.

Welcome!

That is a good thing. Hopefully there is no issues. If there are issues, they will more than likely come up years from now after a claim. We just want to try and prevent as many issues as possible.

Thank you

When you hit one or when one hits you : )

Great question. I would notify the insurance company and let them investigate the claim. That way you are not directly involved. Use the claims process that is in place. It is what you pay them for.

@scottagencyinc.7911 claim process? I am not understand.

generalmente tu notificarias la compania de seguro que hace tu workers compensation y ellos performar una investigacion.

That even made me smile. Simply trying to help people understand the rules of that the insurance companies are going to go by. Everyone can do as the please, however is your insurance agent bring these issues to your attention? If you have an insurance question, who are you going to ask? Probably an insurance agent. If you have a roofing question, who are you going to ask? Probably a roofer. Knowing the rules of the game is half the battle.

@@scottagencyinc.7911 Taking a quick survey of my immediate family that are homeowners, we've collectively paid about 100 years in premiums, and only 1 of us had made a claim in that time. Whereas, I've shelled out thousands in small repairs that were below my deductible or not covered by the policy, as is the case with most home repairs. Tell me again how insurance isn't a forced scam/extortion that the banks and insurance companies are working together on to keep themselves rich.... I'll wait.

Hey David, your explanation makes perfect common sense. The explanation of the insurance adjustor is that when a hail stone hits a single layer roof it has a better opportunity to bounce off the shingle. The stone hits the shingle immediately backed by the by the roof sheeting and will bounce. Can still cause damage and bruising. When we add more layer of shingles the hail stone hast to penetrate the first layer then the second layer before the stone hits the roof sheeting and bounces back. Probably did not do a good job of explaining that. Additional layers allow for the top layer to be damaged, and the damage goes unnoticed for long periods of time often creating more damage. That is an explanation looking through a insurance lens.

Definitely one of the issues we see and to be aware of, thank you for sharing.

Of course you will pay more

If your roof has dips, it's not because of the shingles. It's because your decking wasn't inspected properly, and the decking (sheathing) and potentially your rafters were in bad shape to start. If you rip both layers, plus the underlayment off, you'll most like find decking and rafter weaknesses.

@@WelcmeTo1984 ok good to know out of 10 how big of a problem is that for me been 4 years ive lived there. Im thinking of fixing my roof this year top shingles are from 2004.

@@WelcmeTo1984 thanks sounds expensive have to get on that asap when i redo my roof hopefully this year second layers were done in 04 i was told

Thank you!

Hope it helped!

Hello Dan, Thank you for your comment. My opinion and the information I offer are only my opinion, and there are always options. If you were a client that had a claim, and it went sideways because of the issue that is discussed in this video. You would smell something at that time as well. Knowing how the insurance companies think is half of the battle. Hiding from the issue does no good. Best wishes to you.

All the best to you .@@scottagencyinc.7911

Adding a second layer is entirely possible. It is simply not recommended by insurance professionals. The issues that can occur and cause trouble are all seen after the second layer has been installed. if there are issues it is too late by then. My video and information are an effort to inform and educate the public to the issues that I see from my desk. I am positive that many homeowners that have a second layer of shingles have no problem. The ones that do have issues ask the question "Why did anyone tell me that would or could be an issue?". I sincerely hope that if you have an insurance claim on your roof for it to go as smoothly as possible. Thank you for your comment.

Here is where i can agree. Getting a second layer and getting a bad roofer go hand and hand on average. Cause now you have less experience roofers to choose from, maybe lazy ones and more that dont take pride in their work. But that alone is where the problems arise not particularly from a second layer. A good roofer can do it without a single problem arising for 30 years.

@@davidfuentes7942 Hey David, we can agree on your comments. In no way saying it cannot be done. Just highlighting the issues that arise according to the insurance companies. Everybody involved has their evidence or experience to back up their statements. My sole purpose of sharing this is to inform clients of the potential issues ahead of time so they can make an educated decision. So many times, in today market, no one advises of the potential issues that may arise.

Your message is for the good and i hope people actually change their mind about doing it.. Unless they know a good roofer, more often then not.. They will regret it.

Kind of like an insurance agent telling you that you need more insurance. :) The difference on the second layer of shingles is that we have the data to back it up. Clients are welcome to add a second layer of shingles to their roof, but it will not work out the way they want it to at the time of a claim. I am one of the few that actually loft the issue out there for discussion. Not saying it is 100% correct but knowing how the insurance is going to react is half of the battle. I do appreciate your comment.

Here is to hoping it never happens to any of us!

Yeah...I can't find any resources showing that hail can penetrate two layers of 3-tab shingles. I would never do business with either of these people.

Thank you for your comment.

Hello @restoreamerica and thank you for your comment. Roof claims are the number one cause of claim in our agency. I can appreciate how you took care of your situation however I do not advise my clients to perform their own repairs. We suggest that any repairs are performed by a licensed and insured contractor. In many cases the contractors work will come with a warranty. The contractor's general liability insurance will also respond in the event of any issues after the job is complete. One of the reasons that we see roof claims rejected is due to workmanship defects and those can usually be traced back to the contractor and their insurance would potentially respond. Times have changed and insurance companies are definitely playing hardball when it comes to roofs. I would ask your insurance agent if your roof has replacement cost coverage or actual cash value coverage. The difference between the two coverages is drastic and should be understood. Replacement cost is better however if your policy is actual cash value, knowing that will at least allow you to prepare. Ask your agent to perform a policy review with you. During the conversation ask him or her if there are any riders available that are not currently on your policy. This could also be a way to avoid surprises. All the best to you and thank you for your comment.

​@@scottagencyinc.7911 Warranty? 😂 Good luck in any situation with that . In today's economy, more and more people are doing layovers . Yes its also alot cheaper , not a fraction cheaper,alot cheaper. It's not ideal, but hey ,once again this is about money and surviving for alot of people in 2033, and if it was so terrible it wouldnt be up to code to do layovers . I've seen them hold up 20 years, I've seen total new roof replacements fail in 2. It's all subjective. That said, you're right , the best thing to do is a new roof, alot of Americans simply cant afford it , it's not deeper than that .

@@davidjames5881 I can agree with your comments. Part of my goal is to help others understand how the insurance companies think at the time of claim. We will all do what it needs to survive this crazy world!

Hello David, thank you or your comment. Your point is well taken. A full tear off total roof replacement can be more expensive than placing shingles over existing roofing. The issue is that our studies show that roofs with more than one layer of shingles, actually sustain greater damage during a hailstorm. When the hail stone hits, it will penetrate the first layer of shingles, move through the second layer and then hit the plywood sheeting creating that bounce. When it is a single layer of shingles, the hail stone does not have multiple layers of roofing to penetrate, and the stone is more likely to bounce instead of leaving a divot in the shingles. Not saying there still would not be damage but there is less of an opportunity for severe damage. If it were acceptable and cheaper to shingle over a roof, the insurance companies would do it all day long verses a full roof replacement. While it may be more economical to do an over lay, it is not recommended. Thank you again for your comment.

So BS, one layer is more effective? Have u see how they make bullet proof vest? This must be a joke!

Thank you Moe.

Hello and thank you for your comment. You are absolutely correct it can be done with no problem. We do not however recommend this and have the studies to backup our recommendations. It is just a recommendation that our clients generally find value in, especially at the time of a claim.

Hello and thank you for your question. As long as the injury is covered by the work comp policy, i.e the injury happened while on the job the answer would be yes.

Good question and I think you hit the nail on the head. I would go by the company vehicle policy. I would even call HR and ask for clarification before I would assume it is OK. Normally on a commercial policy they want to be able to vet each driver through running reports on all possible drivers. Just cross your T's and dot your I's with the company you work for.

Great question and a tricky one as well. I am going to advise that you turn in the claim to be safe and let the work comp company define if there is coverage. This takes you out of the hot seat as you can simply allow the work comp company to do the research and either accept or deny the claim. The answer to the question you asks can change depending on the type of work and the circumstances. Some if it revolves around when is the employee is officially considered on the clock? This answer can vary depending on the company and the job. This is similar to the questions if an employee slips and falls in the parking lot coming in or leaving work. These are best sorted out by the work comp company and depending on the results, modify your policy and procedures manual. Hope this helps.

Hello Lich, I am sorry that you are having issues with your insurance. We work with clients to try and ensure a smooth claims process. My recommendations on having a single layer of roofing, comes from a position of claims experience. It is a fact that roofs with Mutiple layers of shingles experience more damage from hail and wind than roofs with only a single layer. There is always more than one way to get a job done. My recommendations will always be a single layer roof. Thank you for your comment.

@@scottagencyinc.7911 it's too late they gave $1100 for repairs I'll need to pay for it myself. I'll probably just take my vacation before rain comes again this year get tools and do it myself.

@@LEDFOOT49 Understood. I want to caution you that most roof claims that go sideways come from improperly installed roofing or what they call workmanship defects. I know all to well that money does not grow on trees but if you can have a licensed and insured roofing company do the work it could be beneficial. If you are a contractor, I understand you doing the work. Hope it all works out. Be safe.

Hello and thank you for your comment. it is definitely not inexpensive to carry the proper insurance. We are here to help contractors make sure they can survive a claim, while taking every precaution to prevent claims from happening. Most of the contractors that do not carry proper coverage will eventually regret that decision and often go out of business.

Thanks for taking the time to watch the video!

Hello Javvoltage and thank you for your comment. I am assuming you are not talking about California Missouri :) Yes there is such a place in Missouri. Being located in MO and there potentially being state specific laws in CA that I am not aware of it will probably be best for you to work with a local broker. The concepts that I discuss on my work comp playlist on you tube should all be relevant. Thank you for your comment and hope you have a great 2023.

@@scottagencyinc.7911 Thank you for responding. You’re correct, I am not talking about California Missouri. Ok, I will do more research in finding a good agency like yours. Keep up the great work. Happy holidays!

Thank you Alexander!!!!!!

Hello Jaca, thank you for your question. Weather or not he is required to carry workers compensation is driven by two things. The laws in the state that you live in as well as the contract that he is working under. There are some instances that even though the state may not require him to carry work comp, the contract for the job he is on may require him to carry it. You being a helper on the job site and not on payroll is a totally different nut to crack. Workers compensation companies really do not like that set up. Since work comp premium is driven off of payroll, they are not getting any premium from your contribution to the business. The work comp company wants to make sure that any workers are trained and have agreed to any policy and procedures that the business owner has in place. In the real world this happens all the time. I know your question did not pertain to if work comp would apply to you, however it would be difficult to make a claim since you are not on the payroll. We never want to see anyone get hurt on the job, however if that does occur we want the work comp to take care of what ever may occur. Hope this helps and thank you for helping your husband out. We need all the help we can get.

@@scottagencyinc.7911 Thank you, so much! I really appreciate your detailed answer. It sure helps! 🙏🏼😇🙏🏼