Oh, I forgot, now Joe accuses me of being a State Farm apologist. Sorry, two notes. Joe, before you even write it, I don’t know any State Farm people and don’t care about them. Your constant whining about them is just gotten old. As I said once before, on those rare occasions when you comment on something other than the evil SF, your comments are well thought out. Too bad you waste your time with so much hate for SF.
It is hard to ignore a company that abuses people the way SF does. The truth is hard for many to swallow. I have been in this business for almost 30 years and SF has always had the attitude that their way is the only way and be durned with the real world. I can’t count all the times taht a SF agent REFUSED to set up an auto claim and the cliam office refused to accept it and perform an investigation b/c they had already been judge and jury and decided that their insured was right and everyone else, including independent witnesses were wrong. Same story, different chapter, with the Katrina claims and the tornado in OKLA.
it’s amazing from reading the various posts, that there are still difference in opinion in how to handle a HURRICANE related incident. Mother Nature, is something we don’t control – like hitting a deer; Like Hail falling from the sky. this is where some the terminology gets played with. in reality, a contract is a document based on faith or spirit of the intent. think about the constitution, it was preambled that all americans have freedoms and the pursuit of happiness. Faith in the spirit or intent of the letter of the contract should always be to help/protect the consumer. big business sometimes makes too much money and then does not always want to help.
Big business wants a legal contract that is enforced according to the provisions written in the contract. The contracts that are filed in and accepted by state insurance departments. The same contracts that are twisted by courts and trial lawyers to mean whatever suits their purposes. We file rates based on the exposures in those contracts before they are misinterpreted. If it’s possible to misinterpret something it will be done. That doesn’t mean it’s correct.
I DO work for SF and volunteered to be away from my family for 3 months to help the people in Slidell, La. I worked my backside off 12-16 hours a day and wound up ADMITTED to a hospital for what they called “The New Orleans Crud” that affected my breathing. I am sooo sick and tired of the SF bashers who have no idea what it was like and no consideration for how hard people worked to keep the promise we made. SF decided for whatever reason to settle w/ these folks. Does that mean SF was wrong? Not necessarily. The settlement may have been less than the amount SF would have paid it’s attorneys and made a business decision to settle. I don’t know and neither does anyone else posting here. I would suggest that until you read the settlement you are voicing uninformed speculation at best. BTW: Anyone notice how many policies are being cancelled in MS. and FLA. due to the lawyers “rewriting” the policy? I bet those folks are gonna LOVE paying 2x as much money for 1/2 as much coverage. If you don’t like SF, fine! Take your business elsewhere, we honestly don’t mind!
You State Farm attitude shows with “If you don’t like S F, fine! Take your business elsewhere, we honestly don’t mind!” Is this the same attitude you had when you were taking care of claims? State Farm has failed to live up to its contract and that is why it has been sued so many times. Now you want to blame the attorneys for State Farm pulling out of areas, amazing! I guess it is ok for State Farm to take policyholders money but not ok to pay them all that is due when a claim occurs. State Farm has a history of bad faith and has even committed perjury. In addition to this State Farm has even breached its own contract with its own agents. This determination of the breach of contract is final but State Farm has yet to notify its agents about the case (California 3rd Appellate District Case#C050591) and continues to ignore the court. State Farm has also settled cases with their own adjusters by misclassifying them and refusing to pay the adjuster overtime. Does this sound like a company you really want to defend? My argument is with the executives of the company and the bad faith they have brought upon themselves. if you choose to defend the undefendable that is your choice but I have the documentation to prove my statements.
i never said a thing that state farm in itself it the problem. my sole problem w/the whole issue, is what not do what is best interest in the folks that needed insurance coverage. this is a natural disaster, and that is one coverage we all were not truly able to calculate damage assessment. many insurance took the brunt of the incident w/o issues, in the best interests of the customer and good faith.
Hopefully you pay closer attention to the claims in your claim file than you do in reading my post. If you would read my statement, or have someone read it to you, you would see I was refering to “California Adjusters” not agents who were misclassified in order to avoid overtime. The article can be found in the Santa Rosa Press Democrat May 29, 2003 and is entitled “State Farm settles overtime lawsuit”. As for State Farm breaching their own contract with their own agents you can go to the California 3rd Appellate District Case #C050591. In case you don’t recognize it the above information is called “proof”. I guess you have been around State Farm too long as you now use “Maybe….just maybe SF adjuster does know you” and try to work that into something. If the adjuster knows me he or she should know I have facts to back up what I say. I have proof of State Farm’s perjury, why do you think State Farm has not taken me to court over my statement? You on the other hand use statements of “1-2% of our customers who complain 99% of the time” but have no statistics to back that up. Who gave you those figures State Farm? And we all know they can be trusted right, wink wink?
State Farm and Allstate both claimed that wind broken tar sealant bonds AND wind debris ground down fiberglass shingles was not wind/shingle damage they “recognized” in South East Texas after hurricane Rita.
To the State Farm adjusters in Louisiana–
Why did State Farm “recognize” the type of wind damage to fiberglass shingles (described above & below) when assessing hurricane Katrina loss claims, but did not “recognize” the exact same type of wind damage when assessing hurricane Rita loss claims in SE/Beaumont, Lumberton, Nederland, Mauriceville, etc. Texas?
Please respond.
__________
# TECHNICAL BULLETIN – HURRICANE EXPOSURE
The process of detecting and evaluating damage from hurricane exposure is subjective at best, and often everyone involved may offer a different assessment.
Damage can range from wind uplift, shingle loss, broken sealant bonds, granule loss, external sources, and may not be readily apparent. However, even small amounts of damage can harm the surfacing material, leading to deterioration of the shingles months or years later.
GRANULE LOSS
Regarding damage to the embedded granule surfacing in the asphalt top coating, hurricane wind exposure can result in varying degrees of granule loss. Hurricane wind exposure loosens the granules, potentially allowing the granules to separate from the coating layer and wash off the roof.
Without the granule surfacing, the asphalt top coating is exposed to ultraviolet radiation from ordinary sunlight and will eventually deteriorate, exposing the fiberglass substrate and creating a leak potential. If a shingle indicates outward damage, the underlying components may be compromised and affected to some degree.
The extent of granule loss resulting from hurricane exposure is influenced by, but not limited to, the following:
1. Age of the product.
2. Force and duration of winds and wind driven rain.
3. Type and amount of wind driven debris.
4. Orientation and slope of the deck in relation to winds.
5. Amount of foot traffic.
BROKEN SEALANT BONDS
When sealant bonds are broken due to hurricane winds, it is possible, but not likely, for shingles to reseal. The subsequent strength of resealing, if any, would not be as strong as the initial thermal bond and would be contingent on, but not limited to, the following:
1. Age of the product.
2. Time of year and amount of exposure to ambient temperatures.
3. Length of time before shingles are exposed to subsequent high wind events.
4. Orientation and slope of deck.
5. Stress and strain on the shingles due to exposure to sustained high winds and/or deck movement.
6. Number, placement, type, and length of fasteners.
7. Contamination to the sealant bonds by dirt, debris, or other foreign substance.
8. Condition of the underlying deck or underlying shingles if a roof over.
In accordance with the terms of the limited warranty, there is no coverage for damage caused by hurricanes. Shingles in hurricane areas will continue to carry the limited warranty for manufacturing defects and remaining limited wind warranty. Any damage relating to conditions caused by a hurricane, including granule loss, breach of the seals, nail tears and other structural damage, will not be covered by the limited warranty or limited wind warranty at any time.
We have updated our privacy policy to be more clear and meet the new requirements of the GDPR. By continuing to use our site, you accept our revised Privacy Policy.
Oh, I forgot, now Joe accuses me of being a State Farm apologist. Sorry, two notes. Joe, before you even write it, I don’t know any State Farm people and don’t care about them. Your constant whining about them is just gotten old. As I said once before, on those rare occasions when you comment on something other than the evil SF, your comments are well thought out. Too bad you waste your time with so much hate for SF.
It is hard to ignore a company that abuses people the way SF does. The truth is hard for many to swallow. I have been in this business for almost 30 years and SF has always had the attitude that their way is the only way and be durned with the real world. I can’t count all the times taht a SF agent REFUSED to set up an auto claim and the cliam office refused to accept it and perform an investigation b/c they had already been judge and jury and decided that their insured was right and everyone else, including independent witnesses were wrong. Same story, different chapter, with the Katrina claims and the tornado in OKLA.
I sure hope nobody confuses that tornado with a blustery circular wind.
it’s amazing from reading the various posts, that there are still difference in opinion in how to handle a HURRICANE related incident. Mother Nature, is something we don’t control – like hitting a deer; Like Hail falling from the sky. this is where some the terminology gets played with. in reality, a contract is a document based on faith or spirit of the intent. think about the constitution, it was preambled that all americans have freedoms and the pursuit of happiness. Faith in the spirit or intent of the letter of the contract should always be to help/protect the consumer. big business sometimes makes too much money and then does not always want to help.
Big business wants a legal contract that is enforced according to the provisions written in the contract. The contracts that are filed in and accepted by state insurance departments. The same contracts that are twisted by courts and trial lawyers to mean whatever suits their purposes. We file rates based on the exposures in those contracts before they are misinterpreted. If it’s possible to misinterpret something it will be done. That doesn’t mean it’s correct.
I DO work for SF and volunteered to be away from my family for 3 months to help the people in Slidell, La. I worked my backside off 12-16 hours a day and wound up ADMITTED to a hospital for what they called “The New Orleans Crud” that affected my breathing. I am sooo sick and tired of the SF bashers who have no idea what it was like and no consideration for how hard people worked to keep the promise we made. SF decided for whatever reason to settle w/ these folks. Does that mean SF was wrong? Not necessarily. The settlement may have been less than the amount SF would have paid it’s attorneys and made a business decision to settle. I don’t know and neither does anyone else posting here. I would suggest that until you read the settlement you are voicing uninformed speculation at best. BTW: Anyone notice how many policies are being cancelled in MS. and FLA. due to the lawyers “rewriting” the policy? I bet those folks are gonna LOVE paying 2x as much money for 1/2 as much coverage. If you don’t like SF, fine! Take your business elsewhere, we honestly don’t mind!
You State Farm attitude shows with “If you don’t like S F, fine! Take your business elsewhere, we honestly don’t mind!” Is this the same attitude you had when you were taking care of claims? State Farm has failed to live up to its contract and that is why it has been sued so many times. Now you want to blame the attorneys for State Farm pulling out of areas, amazing! I guess it is ok for State Farm to take policyholders money but not ok to pay them all that is due when a claim occurs. State Farm has a history of bad faith and has even committed perjury. In addition to this State Farm has even breached its own contract with its own agents. This determination of the breach of contract is final but State Farm has yet to notify its agents about the case (California 3rd Appellate District Case#C050591) and continues to ignore the court. State Farm has also settled cases with their own adjusters by misclassifying them and refusing to pay the adjuster overtime. Does this sound like a company you really want to defend? My argument is with the executives of the company and the bad faith they have brought upon themselves. if you choose to defend the undefendable that is your choice but I have the documentation to prove my statements.
i never said a thing that state farm in itself it the problem. my sole problem w/the whole issue, is what not do what is best interest in the folks that needed insurance coverage. this is a natural disaster, and that is one coverage we all were not truly able to calculate damage assessment. many insurance took the brunt of the incident w/o issues, in the best interests of the customer and good faith.
Hopefully you pay closer attention to the claims in your claim file than you do in reading my post. If you would read my statement, or have someone read it to you, you would see I was refering to “California Adjusters” not agents who were misclassified in order to avoid overtime. The article can be found in the Santa Rosa Press Democrat May 29, 2003 and is entitled “State Farm settles overtime lawsuit”. As for State Farm breaching their own contract with their own agents you can go to the California 3rd Appellate District Case #C050591. In case you don’t recognize it the above information is called “proof”. I guess you have been around State Farm too long as you now use “Maybe….just maybe SF adjuster does know you” and try to work that into something. If the adjuster knows me he or she should know I have facts to back up what I say. I have proof of State Farm’s perjury, why do you think State Farm has not taken me to court over my statement? You on the other hand use statements of “1-2% of our customers who complain 99% of the time” but have no statistics to back that up. Who gave you those figures State Farm? And we all know they can be trusted right, wink wink?
State Farm and Allstate both claimed that wind broken tar sealant bonds AND wind debris ground down fiberglass shingles was not wind/shingle damage they “recognized” in South East Texas after hurricane Rita.
To the State Farm adjusters in Louisiana–
Why did State Farm “recognize” the type of wind damage to fiberglass shingles (described above & below) when assessing hurricane Katrina loss claims, but did not “recognize” the exact same type of wind damage when assessing hurricane Rita loss claims in SE/Beaumont, Lumberton, Nederland, Mauriceville, etc. Texas?
Please respond.
__________
# TECHNICAL BULLETIN – HURRICANE EXPOSURE
The process of detecting and evaluating damage from hurricane exposure is subjective at best, and often everyone involved may offer a different assessment.
Damage can range from wind uplift, shingle loss, broken sealant bonds, granule loss, external sources, and may not be readily apparent. However, even small amounts of damage can harm the surfacing material, leading to deterioration of the shingles months or years later.
GRANULE LOSS
Regarding damage to the embedded granule surfacing in the asphalt top coating, hurricane wind exposure can result in varying degrees of granule loss. Hurricane wind exposure loosens the granules, potentially allowing the granules to separate from the coating layer and wash off the roof.
Without the granule surfacing, the asphalt top coating is exposed to ultraviolet radiation from ordinary sunlight and will eventually deteriorate, exposing the fiberglass substrate and creating a leak potential. If a shingle indicates outward damage, the underlying components may be compromised and affected to some degree.
The extent of granule loss resulting from hurricane exposure is influenced by, but not limited to, the following:
1. Age of the product.
2. Force and duration of winds and wind driven rain.
3. Type and amount of wind driven debris.
4. Orientation and slope of the deck in relation to winds.
5. Amount of foot traffic.
BROKEN SEALANT BONDS
When sealant bonds are broken due to hurricane winds, it is possible, but not likely, for shingles to reseal. The subsequent strength of resealing, if any, would not be as strong as the initial thermal bond and would be contingent on, but not limited to, the following:
1. Age of the product.
2. Time of year and amount of exposure to ambient temperatures.
3. Length of time before shingles are exposed to subsequent high wind events.
4. Orientation and slope of deck.
5. Stress and strain on the shingles due to exposure to sustained high winds and/or deck movement.
6. Number, placement, type, and length of fasteners.
7. Contamination to the sealant bonds by dirt, debris, or other foreign substance.
8. Condition of the underlying deck or underlying shingles if a roof over.
In accordance with the terms of the limited warranty, there is no coverage for damage caused by hurricanes. Shingles in hurricane areas will continue to carry the limited warranty for manufacturing defects and remaining limited wind warranty. Any damage relating to conditions caused by a hurricane, including granule loss, breach of the seals, nail tears and other structural damage, will not be covered by the limited warranty or limited wind warranty at any time.
TB-420 2/24/06 ELK P.O. Box 500 Ennis, TX. 75120 Toll Free – 1-866-355-8324 – http://www.elkcorp.com
__________
rogerpoegc@gmail.com