Do some home work. There is a TDI commissioners letter about overhead and profit. Too many insurance companies are more concerned with the bottom line, than with customer service. If is damaged. it needs to be repaired. Is that not what indemnification is? GOOD contractors try to work with the insurnace adjustes for the best interests of the homwowner. There needs to be consistency in the evaluation of damage.
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.
I agree, training in actual damage evaluation is and always has been lacking. In the 8+ years I worked for GAB and then another 12 for other independents, I received almost no actual training in damage evaluation. Yes, I was taught how to measure and estimate a roof replacement, as well as damage by the square; some carriers had you mark hail hits with chalk and count them for possible replacement. But almost all my “training” was on the job, as far as what roof damage looks like and how bad it has to be before the roof cannot be repaired. And yet I still reported to companies who tried to get out of paying for a total roof when the roof was “at the end of useful life” when the hail hit. Thankfully insurance commissioners tend to take care of that kind of penny pinching…
Whoever wrote this is a completely biased piece of shit. How much more one sided could you be. Go play in some traffic and do the world a favor and go bye bye. How bad do you think insurance companies screw over policyholders on a yearly basis. Research that you lame ass excuse for a writer. You are probably a no good blood sucking attorney who represents crooks like your selves and your other fat cat insurance execs. This article was so biased. You should be ashamed of yourself you scumbag.
I work for an engineering firm that does forensic investigations of storm damaged property. We prove with factual numbers the damage sustained. I would not have a job if the insurance companies did the right thing by their policyholders.
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.
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……
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!!!
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.
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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Nice article Steve. Very good information.
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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.
Hidden due to low comment rating. Click here to see.
Hidden due to low comment rating. Click here to see.
Hidden due to low comment rating. Click here to see.
Hidden due to low comment rating. Click here to see.
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.
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……
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!!!
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.
Hidden due to low comment rating. Click here to see.
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.