on the other hand , as a roofer, i have these allstate inside adjusters who have literally never been on a roof calling me from some city far away telling me the 120 hail hits on this house in a neighborhood that got destroyed by hail is just a bunch of heat blisters. so theres that
There's more to the story. I'll copy & paste my comment from above: Tim Adams 0 seconds ago Here's a 3rd opinion: you are missing an important factor. It doesn't matter if it is a blister or not, if the blister was ruptured by the hail then it is a covered cause of loss and the insurance company owes you for a new roof. The fact that you did manage to find one fairly large hail strike tells me as that hail was present on this roof, and typically there are a lot more smaller hail stones than the large one that caused that hail impact, and very tiny hail stones can rupture a blister. The fact that the asphalt at the blister it's fairly dark and black tells me that is fairly recent, lending more credibility to the fact it was probably ruptured by hail stones. This is why it is not only important to I have your roof inspected by somebody who has a thorough background in roofing, but it is also helpful if he has an insurance background such as a licensed publications adjuster who understands important policy considerations. Policy considerations that are illegal for a contractor to even discuss.
@redbaroncarwash You are 100% correct I'm a PA in illinois and its a fight with companies like Hancock claims and patriot claims for their "inspectors" to understand this
Great video, helps shed light on differentiating between those two types of damage. I think it'd be nice if there was some objective way to access roofs for hail damage. For example, some roomba type thing that has built in sensors with well defined parameters. This can hopefully ensure more accuracy in identification. Thus, homeowners who have legitimate damage don't have issues with claims. And also avoids fraud and missed/"false" claims.
Not to question you knowledge but before you say a roof has one hail damage shingle i would recommend to check for collateral. Its very hard to imagine a whole slope has one hail damage shingle.
Exactly, the last “big blister” he showed could’ve definitely been a hail hit as well. Not all hail is perfectly circular. If you think it is you haven’t seen much hail.
hell yeah it's helpful .. I do roof inspections now....looking for hail damage...have been getting my customer alot of roofs paid by their insurance from wind and hail...
I have heat blistering from forest fires in Santa Cruz California. My whole roof had 1000s of embers smoldering on my roof. My insurance is saying that it did lower the life and the want to fix it by caulking every hole. I have fire insurance and the house next to us burned down all their redwoods showered our home. It’s driving me crazy that they would say this. Any advice?
abel, what your insurance company is telling you is ridiculous! You will probably have to get a public adjuster involved or you may have to go to appraisal with this. You shouldn't settle with that opinion from them. Fight it!
Lori, that's a great question. The answer is, "It depends." If the problem is over the whole roof that's a sign that the shingles are failing, and sooner or later, you'll have to replace it. If it's affecting certain entire slopes, such as the ones getting the most sun in a day, but not affecting the other slopes, again, that's a situation you'll want to monitor because at some point you'll probably have to replace them. If you only have a few shingles here and there that are blistered, unless it's severe, you probably won't have to worry about it for some time, but should monitor it. Have a roof inspection done every year by a roofer you trust. BUT... If your house is for sale and you have blistered shingles, you may very well have to have it replaced for the sale to proceed. One more detail, before filing an insurance claim for hail damage, always ask the inspector how he knows the damage is actual hail damage and not blisters. If you file a claim but your roof is blistered, your claim will be denied and you'll still have a claim on your insurance record. I hope that helps! (Your question deserves it's own video - stay tuned! :-)
@@homesteadroofing Thank you. Our roof blisters are on the back side of our house. I don't believe any have popped yet. It is a new roof on a new house we haven't even moved in yet finishing the construction. We have zero vents, gable vents or attic fans except we do have a peak vent. It does get direct sunlight no shade and we just got electricity and HVAC going so hot all summer in NC weather. It is a modular so the asphalt shingles were installed at the factory and the roof was raised on site and they added the peak vent. I am betting my contractor will blame the manufacturer and not want to pay for shingles repair or adding attic vents.
Lori, thank you for the discussion. Wow! If you have a brand new house and there's already blistering on the shingles, that's either an installation failure or a shingle failure. Either way, you should address it with the builder and not accept the roof in that condition. Feel free to contact us if you need some guidance on how to handle the situation. By the way, I just made a video about your first question. Thank you for the idea! The link to is is ruclips.net/video/whjIGwLZpqU/видео.html
@@homesteadroofing Thank you. Yes we are having a local roofer check it out and have asked our general contractor to look at it they are contacting our modular factory.
A blister is not a covered cause of loss in an insurance policy. But hail is! Simply walking on those blisters will often rupture them, but if the ruptured blisters are widespread on the roof, then they were likely ruptured by the hail, and that makes it a covered loss. In insurance terms it is called proximate cause of loss. Meaning that without that particular piece of the puzzle the damage would not have happened, then you have to ask yourself is their coverage for that particular piece of the puzzle. It doesn't matter if the roof has blisters or if the blisters should have been there or not, if the blister was ruptured by hail, it was it covered cause of loss, and the roof would likely be covered. I am a licensed public insurance adjuster, I get this kind of damage covered by the carrier regularly.
Here's a 3rd opinion: you are missing an important factor. It doesn't matter if it is a blister or not, if the blister was ruptured by the hail then it is a covered cause of loss and the insurance company owes you for a new roof. The fact that you did manage to find one fairly large hail strike tells me as that hail was present on this roof, and typically there are a lot more smaller hail stones than the large one that caused that hail impact, and very tiny hail stones can rupture a blister. The fact that the asphalt at the blister it's fairly dark and black tells me that is fairly recent, lending more credibility to the fact it was probably ruptured by hail stones. This is why it is not only important to I have your roof inspected by somebody who has a thorough background in roofing, but it is also helpful if he has an insurance background such as a licensed publications adjuster who understands important policy considerations. Policy considerations that are illegal for a contractor to even discuss.
I've never seen just one solitary inch-and-a-half hail hit.
Lol. Agreed. 1 hail hit that size. Crazy and unlikely
Great video! As an independent Adjuster, I wish all roofing contractors were as educated and honest as you are. I bet IA's love working with you.
What an encouraging comment to read this morning! Thank you for taking the time to leave that!
Agreed, getting on roofs with Pro Contractors is SOO much nicer then the average Joe. Great vid!!
on the other hand , as a roofer, i have these allstate inside adjusters who have literally never been on a roof calling me from some city far away telling me the 120 hail hits on this house in a neighborhood that got destroyed by hail is just a bunch of heat blisters. so theres that
Thank you for the education sir, I'm a new adjuster for an INS co. and you really helped me. again thank you
I consider that a compliment of the highest order to hear that I've helped an adjuster. Thank you very much for your encouraging comment!
There's more to the story. I'll copy & paste my comment from above:
Tim Adams
0 seconds ago
Here's a 3rd opinion: you are missing an important factor.
It doesn't matter if it is a blister or not, if the blister was ruptured by the hail then it is a covered cause of loss and the insurance company owes you for a new roof. The fact that you did manage to find one fairly large hail strike tells me as that hail was present on this roof, and typically there are a lot more smaller hail stones than the large one that caused that hail impact, and very tiny hail stones can rupture a blister.
The fact that the asphalt at the blister it's fairly dark and black tells me that is fairly recent, lending more credibility to the fact it was probably ruptured by hail stones.
This is why it is not only important to I have your roof inspected by somebody who has a thorough background in roofing, but it is also helpful if he has an insurance background such as a licensed publications adjuster who understands important policy considerations. Policy considerations that are illegal for a contractor to even discuss.
@redbaroncarwash You are 100% correct I'm a PA in illinois and its a fight with companies like Hancock claims and patriot claims for their "inspectors" to understand this
Great video, helps shed light on differentiating between those two types of damage. I think it'd be nice if there was some objective way to access roofs for hail damage. For example, some roomba type thing that has built in sensors with well defined parameters. This can hopefully ensure more accuracy in identification. Thus, homeowners who have legitimate damage don't have issues with claims. And also avoids fraud and missed/"false" claims.
Not to question you knowledge but before you say a roof has one hail damage shingle i would recommend to check for collateral. Its very hard to imagine a whole slope has one hail damage shingle.
Exactly
No doubt. One hail hit on the whole slope 🤣
Bingo!
Exactly, the last “big blister” he showed could’ve definitely been a hail hit as well. Not all hail is perfectly circular. If you think it is you haven’t seen much hail.
hell yeah it's helpful .. I do roof inspections now....looking for hail damage...have been getting my customer alot of roofs paid by their insurance from wind and hail...
Great Video, Sir - I learned a lot from your presentation!!
That was encouraging. Thank you!!
I have heat blistering from forest fires in Santa Cruz California. My whole roof had 1000s of embers smoldering on my roof. My insurance is saying that it did lower the life and the want to fix it by caulking every hole. I have fire insurance and the house next to us burned down all their redwoods showered our home. It’s driving me crazy that they would say this. Any advice?
abel, what your insurance company is telling you is ridiculous! You will probably have to get a public adjuster involved or you may have to go to appraisal with this. You shouldn't settle with that opinion from them. Fight it!
maybe a metal roof would hold up to fires better.
Do blistered shingles need replacing?
Lori, that's a great question. The answer is, "It depends." If the problem is over the whole roof that's a sign that the shingles are failing, and sooner or later, you'll have to replace it. If it's affecting certain entire slopes, such as the ones getting the most sun in a day, but not affecting the other slopes, again, that's a situation you'll want to monitor because at some point you'll probably have to replace them. If you only have a few shingles here and there that are blistered, unless it's severe, you probably won't have to worry about it for some time, but should monitor it. Have a roof inspection done every year by a roofer you trust.
BUT... If your house is for sale and you have blistered shingles, you may very well have to have it replaced for the sale to proceed.
One more detail, before filing an insurance claim for hail damage, always ask the inspector how he knows the damage is actual hail damage and not blisters. If you file a claim but your roof is blistered, your claim will be denied and you'll still have a claim on your insurance record.
I hope that helps!
(Your question deserves it's own video - stay tuned! :-)
@@homesteadroofing Thank you. Our roof blisters are on the back side of our house. I don't believe any have popped yet. It is a new roof on a new house we haven't even moved in yet finishing the construction. We have zero vents, gable vents or attic fans except we do have a peak vent. It does get direct sunlight no shade and we just got electricity and HVAC going so hot all summer in NC weather. It is a modular so the asphalt shingles were installed at the factory and the roof was raised on site and they added the peak vent. I am betting my contractor will blame the manufacturer and not want to pay for shingles repair or adding attic vents.
Lori, thank you for the discussion. Wow! If you have a brand new house and there's already blistering on the shingles, that's either an installation failure or a shingle failure. Either way, you should address it with the builder and not accept the roof in that condition. Feel free to contact us if you need some guidance on how to handle the situation.
By the way, I just made a video about your first question. Thank you for the idea! The link to is is ruclips.net/video/whjIGwLZpqU/видео.html
@@homesteadroofing Thank you. Yes we are having a local roofer check it out and have asked our general contractor to look at it they are contacting our modular factory.
A blister is not a covered cause of loss in an insurance policy. But hail is! Simply walking on those blisters will often rupture them, but if the ruptured blisters are widespread on the roof, then they were likely ruptured by the hail, and that makes it a covered loss.
In insurance terms it is called proximate cause of loss. Meaning that without that particular piece of the puzzle the damage would not have happened, then you have to ask yourself is their coverage for that particular piece of the puzzle. It doesn't matter if the roof has blisters or if the blisters should have been there or not, if the blister was ruptured by hail, it was it covered cause of loss, and the roof would likely be covered.
I am a licensed public insurance adjuster, I get this kind of damage covered by the carrier regularly.
Great info 👍thanks
Glad it was helpful!
No way you have just one hail hit. Especially that size. The roof would be wrecked. Probably a branch fell from that evergreen behind you.
Thank you for engaging with our content, Asher.
There's no such thing as a one hail hit ,probably the roofer dropped a hammer during installation and left that mark there.
Actually it is possible for there to be just a few, or even just one hail bruise on a roof.
Here's a 3rd opinion: you are missing an important factor.
It doesn't matter if it is a blister or not, if the blister was ruptured by the hail then it is a covered cause of loss and the insurance company owes you for a new roof. The fact that you did manage to find one fairly large hail strike tells me as that hail was present on this roof, and typically there are a lot more smaller hail stones than the large one that caused that hail impact, and very tiny hail stones can rupture a blister.
The fact that the asphalt at the blister it's fairly dark and black tells me that is fairly recent, lending more credibility to the fact it was probably ruptured by hail stones.
This is why it is not only important to I have your roof inspected by somebody who has a thorough background in roofing, but it is also helpful if he has an insurance background such as a licensed publications adjuster who understands important policy considerations. Policy considerations that are illegal for a contractor to even discuss.