The Emerging Hail Risk: What The Hail Is Going On?

By Steven Badger, Zelle Hofmann Voelbel & Mason LLP | May 2, 2014

  • May 3, 2014 at 12:28 pm
    Steve Whitmarsh says:
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    Nice article Steve. Very good information.

  • May 5, 2014 at 11:20 am
    Scott Boddy says:
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  • May 5, 2014 at 1:07 pm
    Ron Snouffer says:
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    I was there as an adjuster for Hurricane IKE when the changes started to occur and it wasn’t only the contractors. I understand your need to blast the contractors and public adjusters. But I can only reference things i have seen in the industry. Like the lack of education on both sides. There is no standard of what is damage. I am a licensed HAAG certified inspector which is probably the closest thing to standardized damage. The classes are expensive so many contractors and adjusters do not take the classes but yet the all reference damage by HAAG standards. Even when they have no idea what those standards are according to HAAG. I would agree Texas need licensing. But it wont help without education on both sides both adjusters and Contractors. In my 3 days of training before being deployed I was never told as an adjuster what damage looked like on a property. I learned in the field but who knows how many mistakes I made over my first 100 claims.
    Another big change for this industry is Wall-street. Most carriers are publicly traded and they are not about the policy holder but they are about the shareholder.

  • May 5, 2014 at 4:39 pm
    Fred Hahn says:
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  • May 5, 2014 at 4:51 pm
    Adjuster says:
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  • May 5, 2014 at 5:11 pm
    Bryan says:
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  • May 6, 2014 at 12:46 pm
    Michael Bonoratti says:
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    • August 9, 2014 at 5:38 pm
      david harkness says:
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      The only reason you would ever be on a roof I adjusted was to confirm that there was no damage because the contractor does not know what hail damage is – PERIOD.

      • August 31, 2014 at 2:07 am
        Richard says:
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        Hmm, we’ll I think if the average Adjuster knew half as much of what the average “ROOFING CONTRACTOR” knew, homeowners might actually feel protected, rather than feeling like they do need someone to represent them during there claim. While we’re all being so honest here, why is it that the provider doesn’t like the contractor using Xactimate yet this is what most leading providers use. ADJUSTERS LIE FOR THE DAY>>>> Mrs. Smith be sure and get 3 estimates all from a licensed contractor, WHY IS THIS??? We’ll it’s very simple policy holders>>>>. SO THE INS PROVIDER CAN PAY THE LOWEST ESTIMATE…… You will still pay the same deductible regardless……

      • April 22, 2015 at 3:03 pm
        William M. Buerger, AIC, FCLS. says:
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        It’s cocky aggressive attitudes like you know it all, that rubs the general public and your policyholders the wrong way. Get an attitude adjustment! I’ve worked for 12 years for the largest P&C Insurer in the world and done many storms and seen exactly how insurance companies try to get out paying what they owe. This also includes being a panel member of Arbitration Forums and deciding for Insurance companies when they can’t agree among themselves. Insurer’s never lose money, they simply increase reserves the following year and charge higher premiums, period! They have more money than banks, do the research!!!

  • May 6, 2014 at 5:43 pm
    Randy says:
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    It’s curious that the article is about hail damage, but the only photo shows shingle tabs with adhesive issues or that have been lifted by wind. A lot more could have been said about what hail damage really looks like.

    I agree with the premise of using qualified (experienced) engineers to determine whether there is or isn’t hail damage to the roof and to advise on reparability. The rest of the discussion is fodder for the dispute resolution process.

  • May 7, 2014 at 11:43 am
    Stan Miller says:
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  • May 9, 2014 at 2:14 pm
    Meoip says:
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    The articles point is that thousands of claims are filed each year that aren’t needed. Perfectly sound roofs are replaced, customers are scammed, and it costs everyone money. There is good money to be made as a GC but the system as a whole is supporting the income. Most claims aren’t necessary and the system as a whole will have to restrict claims and this will cause necessary claims to be unpaid.



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