After having my roof inspected by 3 independent roofing companies, all agreeing hail damage and reviewing the weather record (6 coverable hail events in roof history, active leaks) the inspector from SF came out, only looked at the roof for 2 min and walked up to my wife and started accusing her of fraud. After a long battle and several heated calls to those assholes we got the roof replaced. I am switching companies today after they were unable to even get my paperwork correct. Just say NO to State Farm Insurance.
My roof has wood shake shingles used as decking, the adjuater from state farm came out and said, "looks like normal wear and tear to me." They denied my claim for hail and wind damage
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.
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.
Early this year last 20-30 shingles off main house combined with detached garage. They give us $1000 just repair. We lived in the house 10 years . Shingles are starting to show fiberglass from last few years storms hit northern CA.
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.
I have USAA, had hail damage this past weekend on an entire side of my house. They don't make that siding anymore color wise for the vinyl. They said they "May not" replace other than that damaged side. Umm, it won't match then what I have, what can I do? Please help.
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
This doesn't always work because not every policy has code upgrade. The other issue is that if your roof exceeds 10nyears of life, your policy switches to ACV. I would recommend hiring a public adjuster or a lawyer if your claim is denied and you have legitimate damage. I have won many roofs that way especially when the insurance company hires a lying engineer that doesn't know anything about roofing.
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 had shingles blown off about a 6 x 4' area and many more creased. I have State Farm. My roof has 2 layers of shingles and code says 2 layers can't be repaired - a code issue. To make matters worse, the roof is about 18 years old and has Tempco American sized shingles. The only color that SF says is a close match (I haven't see it) is Metric sized. State Farm will only pay $6000 to do one slope (on front of $500k house) and entire replacement is $20K. I don't trust most public adjusters, so what would you advise? Should I file my own Proof of Loss and sue them or what?
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
You’re being misleading. I’m a licensed claims adjuster and a real estate investor. State Farm always pays for what is owed based on the policy. Nothing less, but in some cases they will do more. Not betterment, but more. Roofs can be repaired if you know what you’re doing and there’s still life in the shingles. Roofers repair roofs all the time. The fact is that they don’t like to go behind someone else’s work. Code compliance and build ordinances is part of most policies because it is mandated by most states legal codes and statutes. So finding a code violation for a roof replacement is nothing amazing, it’s just doing your job. State Farm, like most insurance companies, have a threshold of when a full roof replacement is required over repair and that threshold is low. So if a homeowner doesn’t get a full roof replacement on a claim it’s because the damage from the cause of loss was minimal at best.
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
Those of you who are finding it impossible to get decent homeowners insurance coverage need to realize why. This is a classic example. This was an OLD roof that needed to be replaced BEFORE any storm came along. This contractor is proud of the fact that he got the insurer to do a complete roof replacement on a roof that the homeowner was responsible for. YOU paid for that new roof. The insurance company didn't end up paying for it... YOU did.
@@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.
Choosing to bend shingles in the shade of a cool morning is not too bright. Try the same test at 75 degrees in direct sunlight. And people wonder why insurance rates are going sky high!
You did not win anything. You used code to do what is expected when discovering a covered loss. Stop being that guy and be the person that is humble about the process. You give contractors a bad name.
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
I don't know what's the deal but the guy is talking too much, he might be a salesman but he ain't a roofer, you bought a home insurance and they refuse to pay for the damage, well they played you like a god damn fiddle boy keep the money in your pocket and you will be able to afford any future repair
I did read the policy, thanks for the advice. They covered the majority of the roof
You really didn’t make a statement on how to win!
good video! straight to the point. no click bait. thanks
After having my roof inspected by 3 independent roofing companies, all agreeing hail damage and reviewing the weather record (6 coverable hail events in roof history, active leaks) the inspector from SF came out, only looked at the roof for 2 min and walked up to my wife and started accusing her of fraud. After a long battle and several heated calls to those assholes we got the roof replaced. I am switching companies today after they were unable to even get my paperwork correct. Just say NO to State Farm Insurance.
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
its not impossible to repair shingles until they get old.
there are many roofs that are being replaced these days that are still in half decent shape.
My roof has wood shake shingles used as decking, the adjuater from state farm came out and said, "looks like normal wear and tear to me." They denied my claim for hail and wind damage
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.
Should I call my insurance company first of a roofer ?
Early this year last 20-30 shingles off main house combined with detached garage. They give us $1000 just repair. We lived in the house 10 years . Shingles are starting to show fiberglass from last few years storms hit northern CA.
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.
Tyler sims swithwell roofing ?
I have USAA, had hail damage this past weekend on an entire side of my house. They don't make that siding anymore color wise for the vinyl. They said they "May not" replace other than that damaged side. Umm, it won't match then what I have, what can I do? Please help.
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
This doesn't always work because not every policy has code upgrade. The other issue is that if your roof exceeds 10nyears of life, your policy switches to ACV. I would recommend hiring a public adjuster or a lawyer if your claim is denied and you have legitimate damage. I have won many roofs that way especially when the insurance company hires a lying engineer that doesn't know anything about roofing.
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.
That's not how the irc works. For correct information, look up the 2012 irc and read about decking.
so state f is not to good talking about wind held?
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.
Nice sweater
Thank you i can look like Mr rogers and. Still whoop internet keyboard Guys on the daily
@@tylersims6754 sure bud
I had shingles blown off about a 6 x 4' area and many more creased. I have State Farm. My roof has 2 layers of shingles and code says 2 layers can't be repaired - a code issue. To make matters worse, the roof is about 18 years old and has Tempco American sized shingles. The only color that SF says is a close match (I haven't see it) is Metric sized. State Farm will only pay $6000 to do one slope (on front of $500k house) and entire replacement is $20K. I don't trust most public adjusters, so what would you advise? Should I file my own Proof of Loss and sue them or what?
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
You’re being misleading. I’m a licensed claims adjuster and a real estate investor.
State Farm always pays for what is owed based on the policy. Nothing less, but in some cases they will do more. Not betterment, but more. Roofs can be repaired if you know what you’re doing and there’s still life in the shingles. Roofers repair roofs all the time. The fact is that they don’t like to go behind someone else’s work.
Code compliance and build ordinances is part of most policies because it is mandated by most states legal codes and statutes. So finding a code violation for a roof replacement is nothing amazing, it’s just doing your job. State Farm, like most insurance companies, have a threshold of when a full roof replacement is required over repair and that threshold is low. So if a homeowner doesn’t get a full roof replacement on a claim it’s because the damage from the cause of loss was minimal at best.
@@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.
Those of you who are finding it impossible to get decent homeowners insurance coverage need to realize why. This is a classic example. This was an OLD roof that needed to be replaced BEFORE any storm came along. This contractor is proud of the fact that he got the insurer to do a complete roof replacement on a roof that the homeowner was responsible for. YOU paid for that new roof. The insurance company didn't end up paying for it... YOU did.
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.
Choosing to bend shingles in the shade of a cool morning is not too bright. Try the same test at 75 degrees in direct sunlight.
And people wonder why insurance rates are going sky high!
You did not win anything. You used code to do what is expected when discovering a covered loss. Stop being that guy and be the person that is humble about the process. You give contractors a bad name.
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?
I don't know what's the deal but the guy is talking too much, he might be a salesman but he ain't a roofer, you bought a home insurance and they refuse to pay for the damage, well they played you like a god damn fiddle boy keep the money in your pocket and you will be able to afford any future repair
Haha, y’all full of crap!
hahahahahahahaha yeah okay