by Guest » Sun Mar 22, 2009 08:19 am
We recently have had our roof damaged by wind. The independent adjuster told my husband to fix it himself. The Allstate adjuster said there were 31 shingles that needed to be replaced, and would not pay for such wind damage to roof at all. Why should we settle for a spotted roof,when my friend has State Farm and got a new roof on her house, garage and pool house. She said there were only 10-15 shingles damaged on her house and her garage and pool house was not damaged at all. The adjuster told her he wanted everything to match. Do I need to call the State Dept. of Insurance, get a public adjuster, send nasty letters to the home office or what. Because if I do not get a new roof i will get my satisfaction in another way by slamming Allstate on message boards, chat rooms and if i have to have a spotted roof i will get 31 blue shingles and put a huge sign in my front yard stating THIS HOME IS INSURED WITH ALLSTATE. Thanks for any response.
Posted: Mon Feb 21, 2011 03:51 pm Post Subject:
Regardless if the insurance company comes out and replaces 2 shingles or the entire roof, you still have a claim on your file
The fallacy in this statement is that the insurance company will replace 1 or 2 shingles. It will not. Insurance is for "catastrophic" coverage, not cosmetic repair.
An insurance company will not pay to reroof an entire home just because one or two shingles are damaged. A contractor that gets a person to sign a contract for a tearoff and reshingle before a claim is submitted, has a contract he can take to court and enforce when the insurance company refuses to pay the claim.
The proper sequence of events in any insurance claim is to (A) identify the loss as covered by the contract (B) value the loss by obtaining written ESTIMATES (not contracts) from licensed contractors (C) review the estimates with the insurance company (or its field adjuster) and determine the loss payable (D) hire the contractor whose work you believe will suit your needs.
Your insurance company always looks for the cheaper route in offering a solution
Not exactly. Insurance companies are, like all businesses, in business to make a profit, and they stay in business by paying claims. They do not pay claims that have been wildly inflated in value, nor do they pay claims that are not their responsibility.
The insurance company determines the value of a loss according to the language of the contract. Most homeowner's policies use a combination of terms, Actual Cash Value and Replacement Cost, to define their loss exposure. They pay ACV, as determined by their adjuster, after determining the replacement cost less depreciation. They will pay the actual replacement cost if and when the work is completed, but not if the work is unnecessary.
That's why, contrary to our contractor's posts above, insurance companies will NOT PAY for an entire new roof when only a few shingles are required to be replaced. The point expressed that if you are going to have a "mark" on your policy, make it a big one, is sometimes known as INSURANCE FRAUD, and for that people may go to prison.
Posted: Thu Feb 24, 2011 08:14 pm Post Subject:
I have a very similar issue with the same company, however they are willing to replace only HALF of my roof minus "depreciation". The adjuster was looking for any way out of paying to have a WHOLE roof replaced. Who in the world replaces only half of a roof? On top of that, they lowballed the price for what they are going to pay for. Stating that the labor for roofing will only be $174.00. I would put up one third of a roof for that price. Allstate is absolutely ridiculous.
Posted: Fri Mar 04, 2011 04:04 pm Post Subject:
I think slamming Allstate won't be beneficial to you. Allstate has received a lot of bashing in all forums, but hey, look, it's still alive! People can only do so much bashing.
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Posted: Sun Mar 20, 2011 04:47 pm Post Subject: INSURANCE RIPOFF
INSURANCE COMPANY'S ARE A RIP OFF THEY CHARGE YOU FOR YEARS, INVEST OR LEND YOUR MONEY OUT AT A HIGHER RATE, BUT WHEN IT COMES TO PAYING THEY WILL DENY EVERY TIME, AND IF THEY DO GIVE YOU ANYTHING THEY TRY TO GET THEIR PEOPLE TO FIX IT, AT CHEAP PRICES, THEY DO NOT CARE WHAT YOU HOUSE LOOKS LIKE WHEN THEY ARE DONE. YOUR MONEY IS STILL IN THEIR GOOD HANDS.
Posted: Fri Mar 25, 2011 02:23 am Post Subject:
When a Homeowner makes a claim, the insurance company is responsible to pay that insured within the guidelines of their policy and state laws. Each policy is different and can always vary from person to person. So if your neighbor and you both have Allstate or State Farm, then it doesn't mean you have the same policy coverages because they offer a variety of policies. This could result in different payouts or different coverages as well.
If there were only 10-15 shingles damaged on your roof, then more than likely the roof can be repaired by replacing just those shingles. A new roof may not be nessesary. When an adjuster does their inspection, there are many factors for them to consider when making a repair vs replacement decision. Things such as age of roof, condition of shingles, any surface cracks, blisters, and brittleness on an existing roof. If a roof is fairly new (most last between 20-30 years) and in good condition then it may be considered repairable and replacing just those 10-15 damaged shingles will make it functional again. Functional meaning keeping you and your family safe and protected inside your home just at it did before the storm came. If one shingle does not match the other, that has nothing to do with the functionality of your roof. And roofing companies make an effort to match shingles if a roof is being repaired. Remember the policy pays for damages to your property not undamged items.
Consider this: If there were no such thing as Homeowner's insurance and any one who owned a home just paid all storm damages to their home out of their own money would they a: Buy a whole new roof if only 10 shingles were damaged so that everything matched or would they B: pay to have those 10 damaged shingles and know that the home is still protected and secure by replacing only those that were damaged? I'm sure functionality will trump cosmetic priority in a situation like this. No one wants to pay $8,000 out of there own pockets for a roof that can easily be repaired. Its not logically or economical so why would an insurance company pay for something so illogical if it can be soundly repaired and made completely functional again by making a simple repair?
Another way to look at it is if someone had a car accident and the only thing damaged was a side mirror during the accident. Would one expect the insurance company to repair the side mirror, which was the only thing damaged or would they expect a whole new car to make sure everything matched? Think about these things logically.
Posted: Mon Apr 04, 2011 08:38 pm Post Subject: wind damage
I have personally seen the entire roofs being replaced due to wind damage. Never one or two shingles are just replaced. The response from the roofer who told you to get a respectably roofing contractor who will represent the home owner is the advise to take. They know best and you absolutely will not pay out of pocket as even the deductible in most cases come off the top. WoW what some numb nuts write. State Farm has been the hardest I've seen to settle on a case. Not bashing, just a fact. I also want to add know one in their right mind should do work expecting insurance to pay without the approval from the insurance company. If you have missing singles due to wind damage you should fix it asap due to insurance deductibles(not premiums) going up for this. Plus you only have so many years to claim it. It isn't fraud if so you should not pay for wind damage on you policy. These storms are documented. This is Florida I am speaking of too. Not sure where the rest this forum resides.
Posted: Tue Apr 05, 2011 10:19 am Post Subject:
INSURANCE COMPANY'S ARE A RIP OFF THEY CHARGE YOU FOR YEARS,
First off . . . why are you SCREAMING! :twisted:
If you are speaking of auto or homeowner's insurance, you have some learning to do. Insurance companies charge you for one year at a time. You are covered for claims that occur during that 365 day period. Period. No claims, no refunds.
You go to a restaurant, and order a meal. You pay for the meal. Do you expect to be able to go back to the trough again and again, years later, without having to pay? Of course not. No difference. You might as well be screaming that McDonald's has ripped you off because they charged you for food you ate and pooped out 24 hours later and you have nothing to show for it.
WHEN IT COMES TO PAYING THEY WILL DENY EVERY TIME
Well, that's just not true. If it was, insurance companies would not be in business. Just like the fast food place, if you pay but get no meal, are you going to go back again?
Do insurance companies deny claims? Of course they do! Not every claim that comes in the door is covered by an insurance contract. People often don't read their contracts and they have no idea what is or isn't covered. When they present a claim that is not covered, it will be denied. Ever try to order a hot dog at McDonald's? If you didn't get one, would you say, "McDonald's doesn't give anyone their food"? You are very confused about the nature of the insurance business.
IF THEY DO GIVE YOU ANYTHING THEY TRY TO GET THEIR PEOPLE TO FIX IT, AT CHEAP PRICES, THEY DO NOT CARE WHAT YOU HOUSE LOOKS LIKE WHEN THEY ARE DONE.
Two problems here. First, you are allowed to use any contractor or repair shop of your choosing. If you do, they may charge more than the insurance company has decided it will cover, and you'll have to negotiate for a larger payment within the terms of your contract, or pay the difference. Second, if an insurance company provides the contractor or repair shop, they are directly responsible for the workmanship, and if not satisfactory, it will be fixed at the insurance company's (or contractor's) expense, not yours.
You need a reality check, because your post is mostly wrong.
Posted: Sun May 15, 2011 11:39 pm Post Subject: Debby
Debby you are obviously very uneducated... your roofing shingles are still made and can be found(probably at home depot) AND wind damaged shingles are easily removed and replaced. What are you 5 years old!? you would seriously put blue shingles on your roof to make it not match purposely?? If your insurance company replaces your entire roof for a few wind damaged shingles you will have a large unnecessary claim on your record causing higher premiums and you will need to pay your deductible also. So think before you react and if your not an expert on the situation, research it a little before posting such ridiculous statements.
Posted: Mon Jun 20, 2011 06:22 pm Post Subject:
Posted: Mon Jun 20, 2011 06:23 pm Post Subject:
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