Roofer proves statefarm inspector wrong.
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- Опубликовано: 19 сен 2024
- Roofer proves statefarm inspector wrong!
This is not my video, just interesting to watch. I own a home inspection business called Firehouse Home Inspections in Illinois and like to reshare content like this.
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Getting told you’re doing your job wrong by someone whose never done your job and has absolutely no idea what they are talking about is one of the most infuriating things
Sounds like my boss lol
welcome to daily thing in the fast food industry even multiple times a day when customers thinks its made by magic and that we can speed up time using our time machine
so true lol. sounds like my supervisor. Supervises my CNC lathe cell, and has never ran a machine a day in his life. words from his mouth. He just has a degree so he got a position. Tries to tell me how long an order will take or will tell me that I'm loading things improperly. C'mon man you have absolutely no clue.
That’s why these guys should know what the fuck they’re doing. These people shouldn’t be hired to do something they have no idea what the job entails.
I work in the porn industry.. its infuriating when they tell me to "smash it" I'm like I have destroyed many of them bruh like I'm king Kong !! Don't tell me how to smash that shit !! I know how to do my job !
He's not there to repair a shingle, he's there to invent a way to not pay out for the insurance company.
100% correct
BINGOOOOO!!!!!!!
And he failed on camera
Preeeeeeeeach!
Bastards!!
My son and I just watched this video together. I’m a 40 year carpenter and he’s roofed for 20 years and this gentleman was by the book. This “inspector” is clueless and obviously trying to deny a reroof!!
Typical practice for snake farm. Like a good neighbor, until you file a claim. Then, they're that neighbor who trained their dog to shit in your yard.
@@nathanielovaughn2145
Allstate is even worse!!!
Exactly 👍
@@nathanielovaughn2145 The only "claims" I ever made to State Farm was for roadside assistance and they dropped me because of it. No tickets or accidents, just roadside assistance.
@@Reno_Slim State Farm SUCKS!!!
_Thank you for exposing State Farm. I'm canceling my policies with them on both houses and 3 cars_
Sorry to say this isn't a one insurance company issue. All insurance companies are this way.
@@sneaks21 Everything is a scam, Thank you
It's cute that you think there is a difference between insurance companies.
Sorry Carlos your 2 houses and 3 cars don't fucking matter. There's people with 100s of cars so you can kick rocks
All insurance companies are roof snakes, sadly.
Imagine not being a roofer and telling a roofer he’s doing something wrong. You can literally see the frustration from that roofer. This guy is a snake.
Yeah the roofer was being a smart arse and blamed the “snake” for damaging an already damaged shingle. Both of these guys are Karens.
@@ianmcnab8751
Lmao 🤣
The insurance adjuster was properly trained. For protecting the companies interest.
I also noticed that when my roof got redone last summer that the plastic strips are not being removed anymore. Back when I was a young pup my job was to remove the strips and hand the shingle to the guy with the hammer. The tar strip back then had three functions. It keep the the shingles from sticking together while in the packages. It sealed the nail hole. It bonded the shingle to the other shingles when the shingle got hot and melted the tar. One of those flaps could break off and no leak. BUT what happened on my roof was the whole shingles came off.
Because they were not bonded together. Pulled the nail heads right through the shingle.
Picking up those strips also takes time. Also felt paper is not required any more under it. What they use now will leak if it rains before the job is finished. It happened and I was not happy.
Was hoping around the 4 minute mark that he would have took a couple steps back 👹
imagine needing life saving surgery and the insurance adjuster coming out and telling the surgeon he doesn't like how deep the doctor made an incision so he aint gonna cover it what a douche
Imagine not knowing how to do something right, but being given the authority to tell others they are doing it wrong.
This is literally every fucking job I've ever had.
That's our beautiful U.S. corruption. What a great capitalist society. Better than some, not all, but super corrupt. Your not free if you get taxed for everything you "own"
Facts
dude, every has a job, and each job is different, Jeff was right in this scenario
Sounds like the Democratic Party
Can we just take a moment to thank the roofer for standing up for the homeowner? This guy is outstanding.
The inspectors decision is also affecting the roofers' paycheck.
A good craftsman takes pride in his trade.
WILLY WONKA!! AILLY WONKA!! THE AMAZING CJOCOLATIER
ruclips.net/video/JIzgP3_6bt4/видео.htmlsi=EYruDY6uh4xKjbQb
@@Pepe_LotudoI’m pretty sure he gets paid regardless. The difference is the insurance company will pay instead of the homeowner themselves.
You don't know what you're talking about.
That roofer isn't standing up for nothin' except his own bottom line.
He wants the roof to be deemed irreparable so the State Farm will have to provide funds to get the roof REPLACED (which means more money in the roofer's pocket).
In fact, the roofer has absolutely no reason to be there. Probably the owner's brother or something.
Assessors are not repair-men. And threatening to lawyer up... not a chance. The roofer can't lawyer up because the roof isn't there property. The roofer is nothing but a second opinion. He cannot sue. He can testify, but at no point in these preceedings would these roofers be in any position to sue over nothing but a disagreement about the nature of damage. IF the assessor was wrong about the damage, that would be an issue between the OWNER and the assessor.
This whole thing is theatre. Those roofers are clearly somebody's family, friend, or they are there to force a bigger job than is necessary.
Insurance is messy.
The homeowner is always going to want the insurance to cover more, the roofers are always going to want a replacement over a repair, and the assessor is always going to want to err on the side of costs.
Nothing to see here. Just an everyday case of competing interests.
"Were not going to tell you how to do repairs, thats your job"
*Proceeds to tell him how to do his job*
"You gotta do it with a little finesse" lmao
@markgonzales1970 I see guys like this at every work place.
Buddy we know you're not qualified. We know you are higher up in the food chain and need to look relevant. Just let me do my job and go play a game on your phone. The roof isn't going to cave in if you're not here.
When did he tell the guy how to do his job?
@user-yn7no7bn1v Actually watch the video.
@@Judgeman-f3q did you not watch the video? The entire video was about the Insurance guy telling him he was lifting the shingles incorrectly.
“You aren’t doing the repair correctly, but I can’t show or tell you how to do it” what a 🤡
right? id be tempted to push that guy off the roof.
As a tradesman who has dealt with MANY inspectors, this is par for the course. They aren't taking the liability of telling you the proper way, their job is to tell you what isn't acceptable. Even so, this guy is a douche bag trying to not pay for a legitimate insurance claim, I'd have told him to get off the roof because resisting that urge to shove him off is getting more and more difficult. All you can do is document everything and take it to court, any reasonable judge will grant you a judgement in your favor.
@@scottparker9341 as a professional one should know how to do it properly.
The inspector is there to pass or fail, not design, engineer nor develope process or procedure.
This guy was no inspector, he is a corporate policy stooge protecting the insurance company.
He most likely voted for Biden 2 clowns think alike 😭😭😭
@@bigkeith9090 wtf does politics have to do with this ?
"You're doing it wrong"
"How am I doing it wrong?"
"I don't know, I'm not a roofer. But you're doing it wrong."
"You're doing it wrong." "How am I doing it wrong?" "I don;t know, I'm a roofer, not a know-it-all insurance adjuster."
"I'm an expert on the policy, not repairs"
"then how do you know I'm doing it wrong?"
"You are being too agressive!"
*Proceeds to rip a tile in half to take a picture of it*
Textbooks do not equate to knowledge
Circular logic. 🤦🏻♀️
I don’t think this guy is fully an idiot. I think he’s been instructed by his superiors to refuse all of these re-roofs that they’re supposed to cover. It’s an insurance company it’s what they do. I wonder if this had to go to court for the proper payout
As someone who worked in roofing, State Farm is the absolute worst to deal with. They never want to pay for anything
they are absolute crooks! my own experience is that they deny for ANY reason! I've canceled all my policies (4 cars, two homes) after a asinine denial, after 15 years with them...turns out I never really had insurance at all, just a thieving fraud!
Insurance companies are by far the biggest scammers why even take our money when you won’t repair it
You say State farms is bad try dealing with travelers insurance co. Yt is censoring anything I say.
That's how they keep paying for those stupid commercials they annoy us with....
Meanwhile their agents make alot of money and constantly are sending them to places like Hawaii
I've done a fair bit of roofing. The roofer here really kept his cool with this guy.
As an adult should
@@LoyalFalconAs they should…but many don’t.
So, as a roofer, do you find the insurance usually pushes back this hard? I was really surprised by the slimeyness here.
@eliwilson1146 Absolutely. It's that guy's job to pay out as little as possible by any legal means. And interpretation of cause is the biggest loophole.
This pretend inspector is asking for a flying lesson. If State farm will not pay out on their policies they need to tell their customers !
"I'm not an expert on roofing I'm an expert on policy" If you ever thought that your job is useless just look at this guy...
Yes because it Jeff from state farm, not Jake from state farm.
Hes being paid to take the hate for decisions higher ups make.
"Look, I already told you, I deal with the GD customers so the engineers don't have to!!! I have people skills! I am good at dealing with people. Can't you understand that? What the hell is wrong with you people!!!"
🎶 C U M 🎶
In other words, "I'm an expert at ensuring the damage is portrayed in the most minimal way possible, so the insurance company shells out the least amount of money as possible"
He has potential.
I see a bright future for him as a government regulator, telling people they are doing things wrong without letting them know how to do it right.
Comment +1
We'll said
Agree. State Farm admitted to not knowing about roofing but somehow knows how to tell THE roofer how NOT to do the roofing Job.
Yeah, the dude was telling ther experienced roofer that he's doing it wrong and yet he can't or won't show the roofer how to do it right because he doesn't know how to yet kept saying he's an expert on "shit..."
But also being wrong about it
I remember when I had to have my roof looked at, my roofer said, "do NOT let the adjuster on your roof without me being there. It is your home, you tell them they do not have permission to go up without me." And boy was I glad I took his advice. I saw and heard him pointing out things that the adjuster was overlooking. He wanted to only approve a repair job but my roofer wasn't having it. Got a full roof replacement by the end of it. Insurance even sent out a second adjuster. I called my roofer and told him another adjuster was sent out and within 5 minutes my roofer was at my house with his tools and the adjuster wasn't happy that I made him wait.
What a fantastic Guy!
Buy a beer for him
5 minutes?! That's crazy quick, guy must live near you and JUMPED.
I’m curious but what’s the importance of having your own inspector there as well as the insurance companies referral?
@@frich330 with the insurance company the hired person is at high risk of being biased. There objective is to help the insurance steer clear away from having to pay out by making out as if the roofer did an inadequate job rather than weather damage for example. The roofer on the other hand knows exactly what hes doing. Does everything by the book so it cnt be flawed and as you can clearly see the inspector guy doesn't know wtf hes talking about. Average home owner doesnt know any better. Then the homeowners cover is based on this retard inspector thus making homeowners fork out money and insurance team can keep their money. This is all according to my knowledge.
Respect to this guy for staying so calm. With the smart way he was answering some of those questions, I would not have responded the same.
You would if you were recording it for your lawyer, while standing in front of the homeowner.
(At least I’d hope you would.. or state farm would win)
"I'm not an expert on roofing, I'm an expert on policy" In other words he's trained how to not pay out claims and things to look for so you can blame the roofers.
that's hitting the nail on the head.
Bingo
yeah in some countries these dudes are thrown into wood chippers
State Farm is ONE OF THE WORST Insurers!! Beware out there folks.
Yes, it's a job. they are inspectors. stop being a smart ass. he even said multiple times he's not a roofer. he makes sure policy is being followed. like when HR shows up to your job.
A lot of insurance companies aren’t your friends . They are there to get money from you and try to deny you when you really need help. I don’t know anything about roofing but the insurance guy kept criticizing yet refused to explain how he would fix it. Let the expert do his job.
Lol this must be a Mors Mutual representative
Didn’t expect to see you here😂
The only way this company could be worse is if their name was Rockstar
Financial advice doesn’t end at GTA online lol
I got a broken sewer line right now they accepted to pay, but now I need to pay out of pocket for asbestos abatement before they do anything that costs 5k
I'm impressed. Not only did he prove his point, he kept his cool while dealing with someone too stupid to understand his own ignorance. That's hard to do.
I think they get kickbacks.
Its under handed but he is hired to frustrate you, kinda like how its customer service job to not give you a refund. They want to give up and take the lowest amount possible. If you want your full money you have to sue.
He is not stupid, he is smart enough to know he’s speaking bs, but he’s been paid to pretend he’s right and annoy you so you give up trying
INDEED!
@@ratherbfishing455 No kickbacks on denials. You actually get paid more for higher paid claims. That’s how it works for IAs at least.
Health insurance companies are exactly like this as well. Think about that for a second. "Policy experts" are telling our doctors how to practice medicine.
If this wasn't video recorded, then we would have never witnessed the corruption of these inspectors from insurance companies.
The inspectors are told one thing, reality says something very different. The inspectors sre not trained and experienced repair ppl so we cant hold them to that standard. The problem is with the ppl that write the policies.
that's capitalism.
extract as much money as you can from your customers. gotta maximize those profits. at any cost.
@@nunyabisnass1141 the people that write the policies are not the problem. as a licensed insurance agent, i can tell you that we only follow the rules set forward by the company and the underwriters. this claims agent is a noob though
@@leeChMSI no offense but that spunds like a distinction without a difference. Someone is writing these policies that defy common sense.
Yes the inspector is a dirtbag..But the other reality is that the homeowner is trying to claim damage to his roof and get insurance to pay for it when in fact it's just old and worn out due to age. That roof is old AF and the claim should be denied.
That roofer was INCREDIBLY patient as he furiously tried to advocate for the home owner. Kudos to him for not throwing that "inspector" off the roof!
He should have climbed down the ladder and taken the ladder with him
WAY TOO PATIANT in my opinion...
The inspector was also patient even though he was clueless.
😎
That man was so close to the edge a few times. Woulda been a real shame if a gust of wind came by =T
That the inspector didn't feel embarrassed about himself is as impressive as the roofer's patience
Agree
It’s a bad roof job. Those shingles really are going to fly off in high winds. The homeowner will find that out. The roofer just keeps asking him to do what he’s not allowed to as “proof” they somehow won’t. Nice little show for the dupe he ripped off.
What points to it being a bad roof job? Other than the fact they used three tabs…?
No I don’t think that’s correct. It looks like this is a debate between either the damaged roof needing repair (insurance guy) or replacing (roofer). The job has not yet been done.
He was def embarrassed bro, didn't you see him trying to weasel out?
Shout out to the roofers for recording this and having the homeowner's back.
Just so everyone knows, this is precisely the conversation that happens between physicians and insurance companies every day when physicians try to treat patients. I have had multiple interactions where insurance adjusters have said "x&x is not the right treatment." My response is usually "Ok, here's their file, you prescribe them the correct meds". They inevitably say, "No, we're just insurance, we can't do that.... etc". By denying someone's claim, you are doing just that: practicing medicine. Absolute worst part of my job.
Yep it's an absolute shit show. They insert themselves as middlemen to make money and that's it. Their bottom line will always be more important than the health of a patient.
Thank you for caring about doing right by your patients❤️😊
I work at a child autism clinic and we deal with insurance all the time. You are 100% correct. They are parasitic scumbags who contribute nothing to society.
Medicare-4-all is the only answer. Get rid of these sleazeballs.
I have had this exact convo with my insurance.
"That med isn't covered."
"Okay what should my doctor prescribe me that is covered?"
"You'll have to ask your doctor what they recommend."
"My doctor already told me what they recommend."
i work for state farm and every single roof that isn’t entirely burned up or smashed in by a tree is considered “repairable and not needing replacing” and it makes me sick
I had to find work at smaller insurance companies cause its hard to recommend full replacement with these bigger companies.
Then why the fuck you working there?
So you would agree this roof would need to be replaced? Based off what you heard in the video?
@@mattiematt2023 that roof is toast it's a 20yr shingle
State farm has had me do ITEL and record an AR. Than come back a week later telling me to pull another shingle and leave it on the from porch for them to pick up to do their own ITEL.
This was handled expertly by the roofer. No aggression just asking for inspector to show instead of tell...which he ultimately could not do.
@vegeggicrunthat Are u the statefarm guy?
@vegeggicrunthat That's what I thought.
Inspector:
"I dont know how to do your job, but you're doing it wrong"
I would of pushed him down on the first one
@vegeggicrunthat uh no you're incorrect
irony - the state farm roof snake doesn't recognize the state farm roof snake.
Very underrated comment 😂
Hey oh!!! 🔥
Upvote this comment through the roof
God Bless that Roofer he had way more patience than I would have
Headfirst into the bin.
Being a roofer you got people telling you how to do it ALL THE TIME. I wouldn't call it patience per se, it's just the longer you do it the more you automatically ignore these people.
It was amazing. He was so polite. I was more angry than him.
Yeah, I was thinking something pertaining to that when the inspector was standing right at the outside edge 😮
Haha. ONLY cause they were recording it for legal reasons. lol
This insurance inspector has no business telling this roofer how to do his job. I’ve done my fair share of roofing, and can say this roofer knows his craft well. He has a lot of patience too... I probably would have wanted to throw this arrogant jerk off the roof.
We don't know that he didn't! lol. I would have too. 🤣
I second love hat
Bingo! I’m an adjuster.
he slipped.
Occifer I didn't push him.. he slipped on the shingle and fell off the roof.. yes occifer it was the shingle he removed..
He really needed to say “ if you aren’t a roofer, and you don’t know the right way, how can you know I’m doing it the wrong way?”
Very underrated comment
Wouldn't it be simple to answer, similar to "it doesn't take me to be a chef to know my food tastes too salty. I don't know how to fix my food being too salty but I know it's too salty."
@@safe4547 use less salt.
@@safe4547 The problem is that this is more akin to someone presenting you with some dense freshly baked bread and you need to puzzle out what's wrong with it without knowing how to properly bake bread. It's not as simple as mixing flour /water and then throwing it in an oven. Roofing is a tad bit more complicated than being able to diagnose issues with no clue how it works. Where as salty food... Simply has too much salt in it. That being added salt or salt from the ingredients...
Imagine you work for Michelin, as a food critic. Your observations will determine if the restaurant gets a Michelin star or not.
One day, you go to a restaurant and order the beef wellington. You get the dish, and it tastes off. You know the mushroom mix should not be that sloppy, you know the meat should have been cooked longer, you know the pastry should not be so burnt. You know what a 'good' beef wellington should be like, but you can't put into words the exact steps that would need to happen in the kitchen, how long it should have been cooked for, etc. You only know that it wasn't right. You can refer the chef to any number of resources that will demonstrate the 'right' way to make a beef wellington, but in the moment, if you say you are not happy with the dish and send it back to the kitchen, you are not about to get into an argument with the chef in the middle of the diner, with the chef dragging you into the kitchen and screaming "you show me how to cook it then!" right then and there.
that would not be appropriate.
This is gold
He's telling g a roofer how to do his job and said he not a roofer.
He's just a job's worth with no experience inspecting others work
Thank you for posting this video
Unbelievable if it wasn't recorded
Yep, he's a total Trump.
@@harrycooper5231I bet you blame Trump when your McDonald's order comes out wrong, don't ya bud😂
As a person who holds an insurance license, I can confidently say this: If you have insurance for any considerable amount of coverage, make SURE you have a lawyer. The fine details they put on those contracts can screw you over.
One of the best lawyers work for insurance companies because they are given amples of opportunity to practice they Do Not plead because insurance companies are crooks........ Example: A neighborhood in texas was destroyed by a hurricane all houses were flatten except for One House, and because of that One House insurance stood a strong claim not to payout!!
Yea especially when they add arbitrations in the contract as well. Before anything happens.
Thats why its important to read your policy
Don't get insurance it's a scam
@dxvidcx very true the guy looks clueless but giving or trying to command the worker 🤦😂
This roofer deserves the entire community’s business
It's perimeter roofing in Atlanta and they are the biggest roofing company in the state lol. Too bad the actual owner is the biggest douchebag on the planet
He sure does.
insurance rates tripled because of these roof scams
@@lordinfamus4926 no they haven’t
I'd hire this roofer. He's not in it for the money at this point. He just wants to know how they want him to do and he would but he can't tell them.
As a manufacturer of pneumatic punch presses I can't begin to tell you how many times I got calls from OSHA inspectors who were young kids with absolutely no experience and with no knowledge as to how the machines even worked and yet they could ruin your life. I used to ask them a technical question about a control system, etc. Of course, just like this guy, they had no clue. I would simply embarrass the crap out of them and tell them come back when the knew what they were talking about. Never heard from them again.
Shoutout to the roofer for standing his ground and countering everything that adjuster had to say. Awesome job
Perimeter Roofing Atlanta Ga. Solid bros.
He should have keeped his mouth shut. Acted more professional.
I have no idea how he did this without pushing him off the roof !
@@tipsreviews7476 The roofer?
@Medieval Stick to Minecraft. You clearly don't know how these things work kid.
As a roofer this made me so mad! This guy needs to stay in his office! The roofer stayed way calmer than I would have.
He would have fell off the roof. Wink wink.
He doesn't deserve an office
I'm glad I'm not a roofer. Otherwise I would now possibly be doing a life sentence..
Right just to much gravity for me in that situation 😂🤣😆🤣😂
@@darronmosher7764 Darren no my friend you would have tried your best to prevent an accident. Wink ......wink ....
I swear insurance companies lose more money on trying to disprove someone’s insurance policies than to just do the repairs. It’s nuts. I’ve lived in Texas, Pennsylvania and Maine and it’s literally the same everywhere.
Sad thing is, like most things in life, it's this way because of the shit bags that would and do take advantage of the system every single day.
Ahhh. How great life could be without scumbags and cheats
No, it is this way because the shitbags con their way up to the top. That’s what corporations are. The inspector probably does this shit all the time, and statefarm hires these guys and trains them to prey on the ignorance of the clients. What the hell is the client gonna do? They have no saying power.
Thankfully this guy is smart enough to have his roofer there. You see how quickly this guy crumbles when faced when an actual expert.
You diverging the blame to the bottom is exactly what the people on top want. Extend your good graces to your fellow man rather than a faceless corporation who would never do the same for you.
Yeah, but they don't. See that guy's house? Probably a million dollar house/property in the average suburb.
WAAAY more people than you'd think are willing to just say, "fuck it, I have to get this done, I'll pay for it."
I was working in Insurance right out of College and this was before the Affordable Care Act...which really helped in THIS regard, but United was just denying ALL claims almost regardless of what the claim was. They'd deny it and maybe 50% of the time they'd change on appeal, but right off the bat, you've got a significant pct of the population that doesn't know what to do and they pay out of pocket.
They ended up paying massive fines, but they didn't pay restitution, and they also made a TON of money.
Anthem(Blue Cross) is no different.
They're better now because there is less fuckery allowed in that regard, but they will fuck you without the lube in pretty much all areas of Insurance without more regulations. Which I do not mean as a political statement, it's just a fact.
I have more specific examples of OBVIOUS Insurance claims getting denied in detail, but...it'd be too long to go into detail.
That's scary
lets go Brandon I agree
aggressive? Show me the gentle way to remove a nail 😅😂😂 priceless
I had to pull some older shingles up to patch in a porch roof and this guys definitely not trying to do it without tearing the shingle. I used a long flat bar. Definitely possible to repair but that doesn’t mean any other insurance company wouldn’t cover this.
He forgot to tell the roofer to use "the force "
@@preston8859 That guy was not being rough. Common sense should say a shingle ripping that easily is beyond repair, therefore proving the contractors point that the entire roof is likely beyond repair.
@@Slam_Chunky he’s a terrible roofer if he can’t repair that without ripping it. Obviously has a biased perspective since he’s trying to get the entire job so he can sub to his Mexican crew.
@@preston8859You did a great job of missing their entire point.
My eyes are opened, I'm dumping state farm immediately. Thank you for sharing this and this inspectors lack of knowledge, experience, and arrogance.
What ever you do, don't go to Allstate, they are just as bad, or worse. I have been through a hurricane with them and had to end up getting a lawyer. The denied almost everything or were way under the actual costs in their estimates.
After I hired a lawyer, then they asked why I did that. They would have worked with me. I was spending money out of my pocket to fix my house.
I deal with homeowners insurance everyday. For the regular person, SafeCo or Liberty Mutual treat their members the best. For families with armed forces members, USAA. These are the companies that help their policy holders get the correct repairs every single time.
Just get an attorney if you have property damages. Just saying you will find people like this in all insurance companies
@@vikvargas2118 an attorney would be more expensive than the roof cost.
Every, I repeat every, insurance company does this.
As an adjuster myself, I saw enough evidence within the first 30 second to buy that roof. I feel sorry for homeowners and contractors having to deal with scumbag inspectors like this. (Mainly State Farm and All State)
Who is good?
@@groovidge5106 pay cash and don’t use insurance.
Same here. I'm also an adjuster and I saw enough damage in 5 seconds to replace that roof
@@Hema1400 Paying cash on a house is tough.
@@TheOptimalmax I financed mine and didn't make a claim.
He's not an inspector or a roofer, he's a pass the buck blamer and he's not there to tell you how to do your job, he's just there to tell you that *anything* you do, right or wrong, is the reason you're to blame.
One of the worst rackets in the world is the the insurance industry.
My grandfather always said "insurance was invented by the mafia."
@@the_inquisitive_inquisitor i mean he’s not technically wrong I don’t think because the mafia used to extort small business owners and ordinary people saying that they need “protection” and they called it insurance when in reality whenever u failed to make a payment they’d mess up either you or ur property. In today’s world they are just trying to screw u out of every dollar so in many ways they are super similar
I agree and disagree. My house caught fire and I even had state farm. The fire maxed out the policy and I made an honest accounting of my property and they cut me a check for the full property amount no questions asked. They even paid for an apartment for a year after I sold the fire damaged house until we bought a new house. The disaster restoration companies monitor the FD and EMS radio stations and swoop on burning houses like flies on shit. I only learned this because my house didn't get put on the radio for some reason and the next day a guy came from a random home renovation place. Dude finessed me into signing onto their company but I luckily backed out when I learned you didn't have to rebuild. That guy explained the racket that they run.
@@chickenfarmer209 Your positive story means nothing when you're able to see so many stories of insurance companies pulling crap like in this video, the industry is a racket, it's an unethical industry with the protection of governments. Of course they have pay out occasionally but then premiums typically go up for most. Why? If it's "insurance," premiums shouldn't be going up. If premiums are going up that's punitive consequence of making a claim, they're penalizing you for doing nothing wrong other than making a claim that you've been paying. Premiums going up after a claim should be illegal. If ever an industry needed meaningful regulation in North America, it's the insurance industry, and my two adult children who work in that industry agree with me. The only thing they add however is fraud against insurance companies should be penalized more severely, I agree with that also.
@@chickenfarmer209 The point is that people like him are useless to society, he’s there purposefully to deny a re-roofing. That’s his sole mission there.
Insurance companies can’t exactly deny a burnt house, it’s a little too hard for them to get away with it.
This is why in the state of FL only allows 3rd party to sign a roofing affidavit that states a roof is damaged. The insurance cannot nor can the replacing contractor.
"This is a state farm roof snake." Was he talking about the tool in his hand or the tool arguing with him?
lol 😄
Nice
I think you mean "was he talking about the tool or the fool?"
Boom
Not being familiar with the term, I thought the same LOL
State Farm is foul. In my experience, they have 2 areas of expertise...
1. Being extremely nice and friendly when purchasing coverage or opening a claim
2. Being deviously schizo'd when it comes time for them to payout on a LEGITIMATE claim.
I mean they can say the same about us.
1. Its either a legitimate claim
2. (Most likely) insurance fraud. And millions are after that quick easy cash of an insurance claim. Then if frauds take all their money, how do the people with legitimate claims get their money when they need it?
@@darkdevilone8613 Did you not watch the video? It was obviously a legitimate claim and the insurance company was trying to get out of it. SMDH...
@@justsayin7937 Damn, I'm an idiot I never realized that the 1 guy standing there was an whole entire insurance company. I didn't realize that was even possible.
Had state farm pay out a claim. I had yo wait 8 months from when the claim was accepted to actually receive money. Didnt have a car that entire time
@@darkdevilone8613 you claimed that people are "most' likely committing fraud to their insurance company without any legitimate argument and then poo poo one when the evidence of it happening is on video. Do people commit insurance fraud? Yes, but it happens way way less than when insurance companies fail to pay on claims that are legitimate.
The fact that State Farm, which in the event of a hail storm, etc., would owe money, gets to decide themselves if they’ll have to pay or not with an in-house inspector/adjuster has to be one of the most crooked things I’ve ever heard of. I’m dealing with this right now myself.
"we have investigated the damage and found that we don't need to pay" = "we have investigated ourselves and found no evidence of wrongdoing"
Leave State Farm they suck, u can pay them 30 yrs and have 1 Acc and they will deny u
If there is one shingle damaged, that entire FACE gets replaced. That is what homeowners should know.
It's a classic example of the fox guarding the henhouse.
I hurt my back *badly* at work, and their Dr told me nothing was wrong after no testing at all. Made me go back to lifting patients as big as me. I was too young to know to sue.
I cancelled my State Farm policy because of this video
You done yourself and favor.
My family canceled 6 policies (annual premium total of 8300$) because of this video. Went to USAA
As a former State Farm customer, I had two serious softball sized hail storms within 2 years of each other. First one they paid for a new roof. Two years later a second softball size hail storm came through. I asked my agent if I should turn it into insurance because the brand new roof was a disaster, and she said yes. I asked multiple times if turning it in would get me canceled and she assured me it wouldn't. They paid out on the roof, within 2 months they sent me a cancelation notice. Long story short I switched ALL of my insurance to a different company and they lost a multi-generational customer for life.
Their Animal's, they don't care, their also like Casinos they just can't handle losing even when it's 100% Legit, I think of Insurance Companies as legalized Mafioso.
Sorry about your cancellation. Your concerns on whether or not making that 2nd claim, so soon, would trigger something undesirable was legit. Some policyholders don't do anything wrong, but from an insurer's business perspective (profit and loss), it seems to them that you are a poor risk. They took in how much in premiums for a given policy period (one year), but paid out much more. The 1st covered loss was tolerable, but after the 2nd, you're 'bad luck'. fyi: Your new insurer will do the same too.
You lost all credibility with the word “softball.”
Are you sure it was softball sized hail. I’m only asking because I’m sure your insurance had to cover the damage to your cars also. And if you had same company then they could of added to the reason the canceled policy
I'm pretty certain that all of the insurance companies are probably owned by the same entity... So it probably doesn't even matter if you switch "companies"...
Lesson to be learned. having State Farm Insurance is the same as not having any insurance!
Not really. If you didn't have insurance you'd still have the premium $ in your pocket. So you're WORSE than having no insurance!
But then how would you get some guys to come out on your roof and make a video without it?
Worse...because they stole your money.
scam big time,,you pay all your life,,this is the bullshit one gets,,,all insurances are bum demoncrats
This has nothing to do with State Farm but everything with the laws that regulate insurance.
Insurances are not making losses by law. Their purpose is to spread claims over a few years. Losses on your premium are added to your future premiums.
I talk about liability insurance like fire water cars, not health insurance where the risks are spread over many participants under one policy.
My buddy is a roofer with 15 years experience. He has had enough experiences like this that now anytime he hears the word adjustor he turns on cameras. He films every second of every encounter and it has both saved and caused a lot of headache. His brother is a glazier and has the same issues with insurance adjustors on windows and such.
Customers should understand that the adjuster's objective is to reduce/control claim payouts by the insurance company. That is the reason they exist.
@@joebrinson5040 yes
They are villains
And glass is a hell of a lot cheaper than a roof. But Ins don't even want to payout on that. Wonder what would happen if every customer brought in an Adjuster to negotiate the payment for their Ins policy and all the coverage?
@@joebrinson5040 They try their best to create falsehoods that will stand in litigation, not reduce or control pay-outs - but to block them in their tracks. It's an age-old revolving-door legal scam. This guy is just very, very bad at it. I feel worse for the sheer waste of time for both the customer, and the roofer just trying to do his job, and earn a living. All that was a complete waste of everyone's time here. There are crooks, and opportunists everywhere. Trying to take peoples hard-earned money. I don't think this adjuster will last long in this role.
Insurance, as it is in the US, is a RACKET
That inspector isn't there to assess damage. He's there to make sure the claim gets denied.
When I sold a house I had built the bank required their home inspector come out and do a detailed inspection.
He said the septic tank was full, and no electric to the blades to shred up the waste. I designed and built that soar powered unit. It ran off solar power.
He stated that the shake shingles were old, and he too much moss on them.
The roof was built out of 1/4 inch steel that was coated to look like shake shingles.
Once we proved he didn't even get on the roof, he claimed the structure was too weak to hold up the weight of the metal roof. The superstructure of the roof was made out of I beams and 3X3X0.375 angle iron. He recommended the bank not finance the home since it was built of very large stone, and steel.
The bank manager came out and she OK'd the loan.
The fly by night inspectors like this guy cause so much more trouble then the solve.
They're trying to do the job without doing the job, and save their company every single cent they can.
Wait, why is the roof made from 1/4" thick steel?
@@kylecriscuolo9535 When you have it, you use it.
@@ruthgar9753 The more they "scam" the bigger the bonuses...
@@SalveMonesvol that isn't a "you have it, so you use it" scenereo. That would be a very expensive and very intentional build.
This inspector was trained by the most corrupt company (State Farm) with whom I've ever dealt. They prioritized teaching him to cheat over teaching this inspector to the point that he has the cheating talking points without knowing squat about the process of roofing.
Exactly 💯 !
Let's be honest insurance is a hack. Okay you pay them hundreds of dollars and if you have to use them you pay a deductible unless you have no deductible then your bill is almost double. If you use it then they raise your bill. For any little reason they can find they will raise your bill. It's just like how does my credit score affect my price to be covered? Like okay I list my job and my credit went to hell for a bit so I should pay double 😅. Insurance is a scam.
Can we talk about the increase in "only pay for what you need insurance". Honestly I feel like the new model is focused on "you got what you paid for" under the guise of hey don't spend more than you NEED TO (at the moment)
and dont forget to change your insurer after they pay out... cause they will double your rates.
Are they still? I had an issue with them about twenty years ago. I thought that then. I switched to progressive and was glad I did. They even paid me for a flooded fifth wheel after showing me they actually didn't have to.
As someone who owns a small drywall business, I absolutely loved seeing every second of a so called “expert” getting put in his place.
Sir, excuse me, do you need a Revit remote modeler?
So you’re also a felon? Lmao
his proper place is flying off the roof headlong into concrete.
the man said he was an expert on the policy not the roof smartass, 99% of the time when they reject claims it's legitimate. While the roof may not be "repairable" he's not wrong saying they won't replace it, if people READ what they sign in a insurance contract you can fully see what you're insured for. They only insure what you yourself as an insured AGREES to have insured and under certain conditions. Can't hate on people for doing their job just like they're supposed to, God forbid people read what they sign. They'd rather make an ass of themselves.
@@WobblyRooster Bro?
I have a steel roof and several years ago it got hail damage! I climbed up to my porch and the roof looked like someone hit it thousands of times with a ball peen hammer! Insurance guy came out and from the ground he said I don’t see any damage! I told him to take his happy ass back to his car and get his ladder! He said he didn’t need to so looked at him and said that’s fine give me your supervisors name and number! He got the ladder! Totally replaced the roof!
Insurance companies are rich for a reason. 20-30 years of paying homeowners insurance without a claim and then when you need to make a claim they want to stiff you. I've roofed houses for over 20 years and I don't know of another way to take out a shingle.
I've roofed a good bit too but how's this even a insurance job? Wind damage? Those shingles look over their 20yr wind damage warranty. They are cheap 20yr 3tabs, the sealant was so sunbaked the state farm guy just lifted on up with his finger tips. Any wind over 20mph is probably going to blow tabs off. Looks like the roofer and insurance guys are trying to pull a fast one on each other.
Yes indeed my brother. 20+ years here roofing and siding home improvement and I would suggest anything north of damaged area be changed completely or complete reroof. Repairs are asking for a leak then you need to use a sht ton of roofing tar to sleep at night
@@ldlink3935 insurance agent here, how the door to door works. They say you can get a "free roof" Then help you file your claim and they pay your deductible out of what they charge, so it's technically free to you. Only issue here is because the salesman are trying to sell you a new roof, that's how they get paid they may say your roof is worse then it actually is. My recommendation to everyone rather than calling your insurance company I would be calling another reputable roofing company for a free inspection. Once the insurance inspector comes that's a claim even if you don't end up getting approved and it affects your insurance score.
@@ldlink3935 also most companies do depreciated value on roofs, so if your roof is 30 years old that's on you generally it's a wear item like tires and brakes.
@@ldlink3935 your right not rocket science but still hard work and knowledge is needed. I have seen hundreds of people that thought the same thing. (Oh it's not rocket science I can do it myself and they do it wrong or quit!!) Just like digging a trench or digging up pad or septic system. Not hard at all as far as all you are doing is digging in the ground. Yet it's very hard work and there are tricks that make it easier and ways that make the overall job a nicer/better. Good luck either way though.
I’ve never heard my father more angry than he was talking to an insurance agent about our roof that caved in after a storm. They fought him on everything even though he was obviously covered.
@Anon . Yes I believe the state should ration insurance like some sort of communist utopia. Instead of "Arguing" with you about coverage they would just tell you what your getting and you have no recourse. For profit(Private") isn't perfect but it's most certainly the best way.
Yeah insurance are parasites just like other monetary services. Same with government. Anything that acts as middle men is parasitism.
@@maybeitsyou1317 Government isnt the solution if there was no government people would string up people running insurance agencies for breaking deal.
@@maybeitsyou1317 👶🧠
@Anon . well if not by profit, then WHAT exactly would people be driven to do this by?? An extreme urge to service people for free?! I don't think so.. ALL these business are driven by profit 🤷🏻♂️
I've been dealing with insurance adjusters like this for 30 years. Many are extremely uneducated and uninformed about anything related to construction. After years of this nonsense of dealing with such ignorance like that shown in this video, we ask their manager to make a site visit. If it's a legitimate claim, it's usually approved by someone who is knowledgeable about construction. However, if they sent this video to this guys manager I'm willing to bet the claim was covered site unseen by the insurance Co in order to avoid embarrassment... Ridiculous.
After a viral video I'm sure the reroof was covered now
Jeff is probably rolling in statefarm merch, like a good neighbor. 🤣
It's a game all Insurance companies play, they hope you give up, it's sad that you have follow through with adults like this, to make sure they honor their agreement.
Insurance are the biggest legal scammers.
I had a State Farm inspector come out and inspect for a claim where I literally have water leak in my attic. Said only a quarter of the roof needed repairs. I denied the claim and had a second inspector come and said the inspector before was wrong and I got a whole new roof.
good on you mate
My roof is fucked and I can't get them to replace it.
“At StateFarm we know a thing or two” yup only a thing or two, the company policy and how to only care about yourself 😂
It’s called a reinspect. I’m not a adjuster for the farm, but usually we require photos showing the additional damages and a contractors estimate to submit for a reinspect. You could’ve accepted the initial payment and had the contractor get the rest of roof written as a supplement
We have had them approve roofs and deny the one in the middle for over a year before paying and another where you could see the damage from your truck all over the roof and they denied it a few times before finally bringing someone else back out. StateFarm sucks
I am not even a roofer and this is absolutely infuriating. Bless this man and his patience.
So how do you know the roofer is right? Like wtf kinda statement is that
@@corneliuswalker3319 Because when you are told by someone "you are doing this wrong" and then, when you ask "ok, how do I do this right?" and even say "instruct me on how to do this right", you get a response "I don't know, I'm not an expert, I don't know how to do this", this shit is fucking mental.
I was waiting for the part where he tosses him off the roof. This guy is as worthless as the "safety guy" they throw on jobs😂🤣😂
@@corneliuswalker3319 did you watch the same video? Wtf is that comment
Estimators and insurance reps will make up every excuse in their book to not have to pay for the service they are being paid for.
"I'm not a roofer, nor am I an expert- but you're not doing it right." He doesn't know how to do it correctly, but yet he can tell you that you're doing it incorrectly. These state farm employees should be replaced with ex-roofers.
Yea almost all inspectors don’t have experience in the field in which they are inspecting. Doesn’t mean they don’t know what city/county/state code is in doing something correctly. Of course the roofer is going to cry like that because there goes his 20-50k pay day to re shingle
Lol its like a kid watching an adult video and saying he knows how to be John Holmes,...
BINGO, you hit the nail right on the head. Super comment.
That would defeat the purpose of not having to pay for the damages
The reality is not enough ex roofers want to be insurance adjusters. It's a good idea in a vacuum but that's not how the real world works
They did this to our roof when we had storm damage a couple of years ago. Roofer said we didn't need a new cap across the top when it was damaged by high winds. They would pay for the damage on the slant that was caused by the wind but the cap was not damaged by the wind. We had a picture a from a few days before that showed no damage.
It’s dangerous to argue with roofers as we consider it to be almost a prerequisite here in Florida to have at least two felonies to be working on a roof.
HOSE """"""""""A """""""""" AND HOSE. """"""""""""B"""""""""""". 😊😅😂❤❤❤
🤣🤣🤣🤣🤣🤣🤣🤣
Word
That’s what’s up
If you have a driver license, can pass a drug test and bring your own cigs to work then you’re not a roofer
Love to see people who THINK they know what they’re talking about be put in their place by actual professionals who DO KNOW what they’re talking about.
That is literally every profession
I install and repair soda/beverage equipment for coca cola... see a variety of customers daily. I remember i went to a job to fix a soda machine, and the lady was bitching and complaining... so i was trying to explain to her what i did to fix her machine. She cuts me off mid sentence and tells me she knows more about fixing the machine than i do cuz shes owned it for however many years....SMH people are the worst lol. Ive only been doing this professionally for 8 years .
Words of wisdom for the insurance adjustor. “I’m not an expert, but I can tell you what to do.”
“I’ve seen enough. It’s repairable.” “Claim denied.”
Insurance does this all the time, and not just with property. Insurance can and will deny you coverage for medicine that a doctor prescribed you because they, a group of people who don't practice medicine, decided you didn't need it.
@@jelkeadema6034 this is why insurance needs at bare minimum extreme regulation
This is exactly why my grandfather always had a friendly relationship with his insurance clients, they could call him up for advice and get legit helpful advice.
Teenage kid dinged the car, is it worth the insurance claim? "Not if it's under $300, you'll be paying more than that on your deductible for the claim..."
He bought a new truck in 2004 when the quiet diesel engines came out, got 2 wheels off the lot and the engine died. The salesman stated "you drove it off the lot, it's your vehicle now."
Gramps clapped back, "Let me speak with the owner about that...."
Salesmen learned the hard way that Gramps insured every vehicle in that lot and had known the owner for over 20 years...
@@jelkeadema6034 Been there with the medical. Actually had the doctor check with the insurance company to make sure I was covered. Then the insurance company didn't cover it. Went back and forth a couple times before I won that won.
It does look repairable, use superglue and it'll work like magic, I superglued mine 10 years ago, still going strong
This is for ALL insurance companies. Not just roofers
I love the roofer. He was precise, clear, professional, and convincing. Just not convincing Jeff. I'm not sure what kind of Kool Aid they are making their agents drink, but it has them seeing things that aren't there. I hope Jeff got fired and this homeowner got a new roof.
They do donate money to organizations that give sex changes to kids so yeah, Statefarm is trash.
It's his Job to do stuff like this, more than likely the type of work culture.
@@Steven-zu1fx no, that's not his job.
The roofer was a pathetic douche bag. Crying more than my daughter. The kid holding the camera was worse.
Jeff was the name of the nice homeowner.
Not a roofer myself, im in the youtube comment business for the last 15 years and i got to say i have no idea why this video was suggested to me, but seeing someone who knows what they are talking about (roofer) put someone in their place (state farm dirtbag) without being aggressive or rude is worth watching
You are not commenting right.
@@observantmonkey4055 😂 so you must be the insurance comment inspector
@@MrHolllaaa i didnt say i was but pizza isnt commenting right.
oh god damn it....
🤣🤣
"I'm not a roofing expert, I'm an expert on the policy."
This is what's wrong with almost everything in the world. People at the top calling the shots only look at numbers and outcomes with zero knowledge of how things work on ground level.
His statement was company lingo for "I'm an expert at not paying for this"
It's easier to understand written guidelines than it is to put the time in to professionally learn a trade.
Yes exactly. But specifically insurance is a racket. There is a reason WB loves it.
"Then why are you on the roof"
@@TXbeats62 "I'm a roofee not a roofer."
All State is worse than this guy.. we had an inspector who didn’t want to get on the roof because he didn’t have the right footwear and wanted to do an inspection from the ground and we were denied a new roof with clear damage to the roof once we got a attorney and two independent roofers to come out and then showed Allstate proof from my neighbors camera that the roofer refused to get on the roof and we had audio they sent out another inspector and we were approved for a new roof after consistent wind damage. Once we had our new roof on we switched Hallmark insurance because, Allstate are not good at all
I’m not a roofing expert I’m just here to deny claims.
If your home is in the lower or middle classes, they are sent to deny claims. Even when they sell a FULL REPLACEMENT policy. That is the scam.
Exactly! Insurance companies constantly look for ways to not pay their paying customers.
Yeah, he says policy expert I say hachetman deny,deny,deny
State Farm spends all their money on commercials not insurance claims helping people. They told they'd give 1500 for a totalled van when blue book was 4700 so I switched to all state. Best decision I made in 5 years. The van got totalled in a hit a run accident and got 7200 for it from all state. State Farm is a joke
He would be doing everyone a favor if he just said that lol
I've known MANY roofers in my day, and the fact he didn't spartan kick that weasel off the roof shows GREAT restraint in this man!
FOREAL!!
That was my first thought if I was in that position lol
Naahh its not his fault, its his companies. He is just some schmuck they hired.
@@holgualoxford3871 that's never an acceptable excuse. If your work involves taking people's money and making major financial decisions with no chance for them to fight back, you better be an honest person, regardless of what your higher ups tell you. It's baffling that someone can steal hundreds of dollars worth of belongings from someone and get prison time, but insurance companies can steal thousands yearly and nobody bats an eye.
Ha! Good example of how to become homeless real fast. I’d sue the 💩 out out that roofer.
I used to be in roofing, meeting adjusters on roofs just like this roofer is doing. I can tell just by looking at this video that that roof is way beyond repairable.
Yup, that is a replacement.
this is a common misconception about asphalt shingles. are they old and brittle? yes. the ones that have been blown by the wind and creased have been blown off to the ground at the point where the next shingle over laps it. however. this does not render the shingles there useless. it CAN be repaired by someone who actually cares and wants to do it for cheap like a homeowner. hiring a company to do it is just like any industry in america. corrupt. insurance is corrupt. doctors are corrupt. police politicians and every other industry is corrupt. america is built on it. it will never change. the synthetic dyes and perfumes, the anti caking additives, the list goes on and on. chemicals on your genetically modified "food". the gas that is combusted to pollute the air to get you to "work" to pay for cell phones and cable tv that pollutes your brain.. i could go on all day. my point is that you as a roofer are looking at this as a corrupted ex employee who doesnt try to simply get the job done as cheap as possible. your solution is to fix it by the methods you were taught where extracting the most amount of money possible while guaranteeing long lasting and insurance qualifying work is the job title. i know this because im quite handy and this happened to my roof during a strong wind storm. i found 6 shingles on the ground in various areas of my yard. i knew it was because the shingles were old. the garage shingles were replaced 10 years ago so the house shingles are past their "use by date". however. some ingenuity and being a cheap skate, i was able to glue them back on with roofing stuff in a tube from lowes, and by lifting up the shingles in a way that i didnt damage them knowing they were fragile. 5 years later and theyre doing fine. best part is they match perfectly because they were the existing pieces that broke off at that crease. youre going to say "bet youre getting water onto the wood" etc and all that jargin you guys use. but the truth is i knew i had to be careful to seal up any areas where that could happen by doing this cheap method. and i know theyre old the little rocks that are on the shingles are piling up on the concrete more and more frequently so a replacement will be due very soon. hopefully after the bull market for crypto... so i can charge it to the game playa.. HEX coin $0.0033 PLS coin $0.000045 PLSX coin $0.000011 ... you dont have to listen to me though. crypto is also very corrupt. i tell people about these coins because i want them to win.. doesnt mean they will.. but for 3.5 years ive been telling people in comments about HEX.. richard heart founded it and also PLS / PLSX.. we are the whistle blowers of the corruption in crypto.
That looks good for another 5 years for Manitoba standards.
@@daniellysohirka4258 toward the end of the video you’ll see the rocks are pretty much gone on some of the lower shingles.. they’re old I wouldn’t give them another 2 seasons. In the desert maybe.. but not in that climate
@@hextremelydesirable1648 we only get 4 months of summer up here in Flin Flon pretty much, then 2 months of fall. Then a long dark 6 months of winter. So shingles can last
15-25 years up here. Especially those newer triple layered ones, where you don't need to put underlay down on the roof, just ice water along the trimmings. And you nail those shingles the opposite way of all the others, like they almost have a double layer.
Hope the home owner tipped the roofer well for standing up for him.
This is the most patient level headed roofer I have ever seen. Good for him! Putting up with that ridiculousness lol I always love when someone who can't do a job tells others how to do it.
He couldn't even tell them how to do it. He just "knew" they didn't do it right...an untrained natural born roofer instinct ?
@@DL101ca yeah I don't understand how you can say it's wrong if you don't know what's right... I'm not surprised in the slightest but man.. silly. I think that company needs to hire that roofer to take his job.
At the very beginning of the video the roofer threatens the adjuster with a law suit. If you are not retarded you can tell he is trying to run a scam, or at the very least intimidate an inexperienced adjuster. This roofer is an ambulance chaser.
He might as well have been the roofer’s wife, because he was sure trying to tell the roofer he was doing it wrong but never did it before …
I was thinking the same thing. I've been roofing for 15 years, and if anything has happened, it's that my patience with stupidity is very low. He would have left crying cause once you start 1 roofer, they all start
That roofer probably thought he was being pranked. Hats off to him for keeping his composure. Insurance guy should thank his lucky stars he wasn't thrown off the roof.
And get thrown in jail for attempted murder
Right.! Back in the day that guy would've eaten some knuckles and been chased away.
In a perfect world that would have been acceptable
@@bluntman305 it was an "accident ", slipped on loose shingle.🤕
@hyperliterider861 u must b joking
This man did everything RIGHT !!! It’s sad the insurance companies will do anything to not have to pay. That roof needs to be replaced
FOR sure!.. I'm a painter and been on PLENTY of roofs.. You don't need more than 6 brain cells, to SEE that roof needs replaced!. Insurance Companies are such trashy businesses!
@@ericjennings2508 Sad part is it’s mandated for vehicles (legalized fraud).
And roofers will do anything to get the go on a full replacement. Do they want a few hundred bucks for a repair or 10,000 for a full replacement? I wonder....
Neither of them can be trusted
The problem doesn't start when someone tells you that you are wrong, the problem starts when they claim to know how to do it, but can't show it.
I was an independent insurance adjuster for 10 years. I was also a HAAG roofing inspector during that time. That inspector is embarrassed and intimidated. Not physically intimidated but intimidated by the roofer's superior knowledge.
When I first began I knew nothing, difference is I kept my mouth shut I learned. I
didn't choose a losing battle like this one to die on that hill.
The inspector NEEDS to go take a HAAG course and retrain
Yea so he can screw the people over.
That inspector would not work for my company for long with that attitude. There is a reason we ask for licensed contractors…
How do insurance company’s handle storm damage on a 25 year old roof? Do they pay the total cost for a new roof or do they figure most of the damage is due to age?
@@STEVE-lk2ft it depends on the state and the amount of damages. Some states have a duty to match while others do not. Age would determine the depreciation. Some policies have recoverable (rcv) depreciation while some have non recoverable (acv) depreciation
he just needs to be let go like so many other disingenuous adjusters
I inspected many 2/3/4 ply roofs back when I worked at an engineering/consulting firm... Never would I ever instruct a roofer how to do their job. My job was simply inspect the quality of the installation and if a saw something where it wasn't up to the installation practice, I would politely ask them to patch it and move on. What this guy is doing is infuriating, he has no clue what the hell he wants and is not listening to an expert.... he should be a politician
Maybe we could you know, inject some bleach into it or something. Something maybe you could look into?
@@TheGeekPub might as well be bubblegum
@@HeavyMetal82 RUclips is shadow banning TheGeekPub
nah we got way to many of those POS's
I think i would have got off the roof and pulled my ladder off. And let him call a roofer. Ha ha ha
I've been roofing for around fifteen years ... this inspector is clueless. He repeatedly contradicts himself as he realizes he keeps getting deeper and deeper into the hole he has dug himself into. You have to raise up a shingle to inspect it. This dude is out of his depth.
He knows his emasculated state of being is permanent, that's why he chose a profession where he can toy with good people. Worm.
It’s not rocket science😂 that inspector mad stupid
He's out of his element
@@claymack1109 Lol ... yeah he is. Raising up a shingle slightly doesn't damage it. I mean common. He is looking for any excuse, even one this far fetched and pathetic. I've dealt with insurance inspectors before. Most are decent people but some, well, some are real crap heads!
@@johndougherty8720 you ain't kidding this guy made my head hurt 🤕
This "inspector " is every boss I've ever had
Fortunately, my state farm roof inspector was fair & knowledgeable when he was assessing our roof last year with our roofing contractor. This state farm inspector is clearly doing all he can to refute a legitimate claim.
If they mention repair instead of replace, they are crooked. I've never met an adjuster that knew the laws.
State Farm does not grow food and they are not a state. The name is a lie from the get go.
We just had a roof replacement denied by Statefarm after major wind damage. (contract hired adjuster). The roofer coming to replace the roof told us that after his boat sank and had two boat shops tell him all the electronics needed to be replaced that Statefarm denied his claim also. We are dropping Statefarm and going with someone else. 20 years with no claims and they wont do a thing. F them
@@stevenk1833 That sux. Our roof claim was our only claim in 22 years with SF. We were fortunate to have a good claims inspector from SF and a responsible & understanding SF agent.
What State ? @@stevenk1833
The most patient roofer ive ever seen. Roofers usually are not that pleasant in the face of idiocy.
being surrounded by it I can imagine they'd grow short tempered
My brother in law was a total a-hole and jerk but he was one of the best roofers around...
No shit! Never met a roofer I would mess with. I worked with some when I was a kid (pops built houses), they are made different.
@33fastcar as a retired mechanic for the airforce I can say I think it's true in any trade, we deal with so many lazy incompetent liars so often, and then we are the one's that end up having to do the majority of the work (that's why many of us get as good as we are)
Our fuse can only burn so long until we don't even have 1 left.
Coming from the biggest ahole anyone that's had the misfortune of meeting me can attest to.
And I was a Buddhist who worked mental health for 10 years before ever picking up a wrench. 😅
I was fully prepared to see some "long live the king" type shit happen lol
As a fellow roofer with 12 years experience I could literally feel my guys frustrations. The adjuster was talking in circles. How do you repair damaged 3-tab without bending the good shingle above it slightly? If I were him, I’d bid the repair as high as the reroof.
You being a fellow roofer is irreverent and shouldn’t be stated, I’m sure everyone in the comment section is a fellow roofer
@@ghost91698 Thanks inspector
@@ghost91698 I’m not a roofer, and how is stating you are a roofer and knowing the frustration of another roofer, on a video where a roofer is frustrated irrelevant? Lmao. That’s literally the key to relevance.
I'm not a roofer but I understand physics and simple engineering!! This guy just wants to do his job. And Dipshit doesn't know how to do the job. But is quick to tell the roofer he isn't doing it right..FFS shut up and pay the claim!!!
@@ghost91698
You being a fellow dink like the inspector is irrelevant. Yet, here we are…….
This is what happens when the “supervisor”, or in this case the insurance adjuster, knows just enough to be a pain, but not enough to be helpful
it doesnt seem like he knows anything. he just kept on saying don't bend the shingle and then proceeded to bend or rip a shingle.
How can a superintendent supervise on a job if they don’t know how to do the work themselves.
I guarantee the adjuster’s only job training is “find something to justify denying the claim”.
He's not there to be helpful. He's there to save State Farm money and it's really embarrassing for their company.
"You're doing it wrong"
"Then show us how you do it"
"I'm not a roofer"
Repeat that 10 times and if you don't see a problem there's something wrong with you.
With that anime pfp , doubt you know anything 💀
@@francocruz5135 with that letter pfp, i doubt you know anything
@@francocruz5135 well considering I know when to put a period better than you know where to put a comma is saying something. guess that anime profile picture doesn't stop me from being smarter than you.
@@francocruz5135 nigga name Franco lmfaoooo
It shouldn't take ten times. It should be immediately apparent.
His restraint to not give that inspector a little nudge off that roof homelander style is impressive.
Isn’t that just common human decency?
@@ianmcnab8751
When you’re dealing with something that can hardly be called a human, Im not so sure.
@@AlphaQHard yeah, I’m sure the Russians could agree with you on that one.
@@ianmcnab8751 we are talking about thousands of dollars this guy is trying to cost the rooder, he is scum and insurance companies should face time for shit like this.
Go see a psychatrist. Cops need to keep a close eye on you.
This is the problem with all this policy bs. People who never do what you do telling you the best way to do it.
To any professional tradesmen who might read this; thank you for helping us keep our homes intact and in working order. Thank you for making the world a more beautiful and more functional place to live. Unlike these slimy desk jockeys who slither out from their offices on field trips to swindle the people they’re supposed to be serving and defraud the actual professionals doing honest work. One thing is clear, insurance companies exist to serve themselves and no one else.
Fuck insurance they are a legal scam, but many tradesman you thank are scum con men
small business is what makes the the carousel spin
Dope username😁
Thank you lol. My job in this world is literally fixing everything that goes wrong anywhere and everywhere and i build stuff pretty often
Fully agree but I would add that in addition to tradesmen it's really just any working class person in an honest job. Cooks, servers, nurses, garbage men, CDLs, the fucking cashier at your grocery store, etc. These are the people that make society function and without them every greedy pig and politician raking in the profits from our lifetime of work would be nothing.
I'm an electrician, and I deal with this all the time with inspectors. They've never worked in the field, but love to tell you something is wrong when everything is done perfect. It's wild
Bro that’s the fucking truth!
Thats why i don't do residential bro
Same
engineers and architects too and when they fuck up and you build it to their designs they dunno what to do especially if you tried to warn them
The inspectors in Seattle do video Electrical inspections
Thank you for standing up for the homeowner
This is a very uneducated conclusion. No insurance policy by law can make a loss. At the end of the day, the homeowner is paying all of the cost. What exceeds his annual premium is added to the next 3 years' premium. Changing the insurance company does not change that- they work together and exchange info by law.
Work with the insurance company. They have the knowledge and work with honest roofers - individual roofers give a rat's ass about you - they make you believe that they fight for you and get it from the insurance company. No - it eventually comes out of your pocket all of it.
You have more patience than I do bro. He would have been off that roof in about five minutes
Yup, he's lucky.
I’ve been doing roofing for 17 years and inspectors these days are a joke, homeowners should be very careful with these guys, they will always deny a claim . Even if your roof is in pieces.
They are trained not to approve any claim.
An adjuster is there to check the damage, establish cause if loss and then apply the coverage. They are not there to deny the claim, especially not if state farm. I have worked for many insurance companies and they are indeed the best. I have witnessed many roofers though trying to go beyond that telling the homeowner they need more than what is needed so they can make more money.
@@pf4934
and the roofer is just there to advocate on the side of the homeowner?
he doenst have his own incentives?
he isnt overstating the damage to get a big job?
ya'll seem to only look at this fromone side. .
Would be a good place for them to mysteriously disappear.
@@pf4934
No that does not happened, i used to work for various insurance companies as a claims adjuster.
You dont get reprimanded or a bonus for denying a roof claim.
Does the roofer have an incentive to re-roof the entire roof and get paid for it, whether it needs it or not? CERTAINLY!
And more so if the roofing company is his and he himself is the one who would profit, unlike the adjuster who a) doesnt own the insurance company b) does NOT, (and ive worked with SF in the past), get incentives to deny a roof claim when there is damage if it is more than their deductible.
You seem to only be able to view it from one side. .
@@pf4934
I promise you ive have worked as an adjuster for years and have worked alongside state farm insureds.
it seems like you just don't have a good rebuttal.
there's many hail chasers that will literally promise people new roofs and get them all whipped up in a frenzy and angry at their claims adjuster or agent because of roofers, I've dealt with that many times. It's not just a claims adjusters that can screw you, It can also be the roofers.
I've worked with many inspectors in my trade as an electrician. That said, I'd absolutely back these roofers for their passion and their knowledge. How in the holy goodness of heaven and earth, can an inspector come to a job wherein he has no experience or knowledge of the trade? This is dangerous and unacceptable folks. Good job to these roofers for not completely losing it.
As an electrician, inspectors can either be on your side, or complete assholes with code interpretation... the AHJs and GCs give more headaches than drywallers..
@@AMERICANsparky32 interpretation is one thing, having no clue about the trade and still criticizing someone on their technique is a whole different level of dumb.
@@DL101ca very true. Unfortunately I see it alot out in the field. Best thing is to know code and master your craft so dipshits, like the satefarm guy, can be put in their place.
And then the insurance company will deny any future rain damage payout due to the roof they denied. Checks out.
Heres a good one. Building an outside "Cosmetic" wall attached to side of building into existing framework. Inspector made us dig a 2 1/2' wide, 3' deep, 10' long trench fill w/concrete use 5 J bolts to anchor 2x6x10 metal track. Inspector was OK with using only 8 metal framing screws for the 4 metal studs. WTF?
Love how the State Farm guy has a tool belt around goes waist. “I’m not a roofer I’m just pretending”
Here in Germany, such guys use to show up to construction site in brand new, yellow rubber boots, not a single spot of any dirt visible
Lol
You can dress them up….you just can’t take them anywhere or this happens.
My family canceled 6 policies (annual premium total of 8300$) because of this video. Went to USAA
As a master electrical contractor, I've had to correct inspectors before. It's actually frightening that they didn't even know some of the basic procedures of my trade.
They aren't payed to know your trade, just tell you how it's supposed to be done
@LegendaryJae213 Specifically, I'm referring to manufacturers' name plate wiring. He should've known about max. fuse and min. wire size. It's field electrician 101. I had to school the guy. Yes, I can put #8s on 70A breaker.
It’s because all they need to do is pass a test. We need 8000 work hours, 4 years of school and to pass a state test before we’re even considered a journeyman.
@@WestHaddninto become a professional engineer you need 4 years of engineering experience and pass two tests (FE and PE).
Not only that, but engineers are not electricians in the same way that electricians are not engineers. While some electrical engineers may not understand some of the field work, an electrician may not understand the design work like how to run a selective coordination study, arc flash study, short circuit study, etc.
My point is that we are experts at different stuff in the same field, and I know better to not correct an electrician on his work unless I know for a fact that it's wrong and can explain myself.
As a biologist I could be a female
I've been a roofer for over 15 years been doing it everyday and this man is definitely doing it right. the insurance adjuster don't know shit and needs to let the roofer do what he does and stay out the way and pay for the homeowners roof.
Right on Jesse. I have a kinship with ALL ROOFERS. All the brother could have said was, yeah, I'll repair it. NO WARRANTY!! Stay safe man! ROOFERS DO IT ON TOP!! ALOHA.🤙😎
Hey!... Insurance companies gotta pay for their overhead... and profit. They've got shareholders ya know!
Hello there! I'm not a roofer and english is not my first language, so I didn't get everything they said. Could you please explain to me what was he doing ans why the inspector said the wasnt doing it right?
@@jackandblaze5956 🤣🤣 ain't that the truth
@@antoniomenini5066 he was telling the roofer that he was being to rough on the shingles when he was trying to pull them up when we was doing everything right. The adjuster was pretty much saying that the roofer was causing damage for being overly aggressive with the shingles when he wasn't. The whole house needs a new roof because the shingles are to brittle to patch it. You will cause more damage patching that house because the shingles are so old and brittle. This is a prime example of a wore out roof! Hope that helps.