Home Insurance Claim Denied - Insurance Adjuster Reveals What You Should Know

Have you ever had an home insurance claim denied or had other problems with your claim?

Watch this interview with public adjuster Taylor Grant and find out just how scary insurance claims can get, with some great insights from the other side of roofing!

Homestead Roofing, Inc is a licensed and fully-insured roofing contractor in Colorado Springs, Colorado and serving homeowners in Colorado Springs, Fountain, Falcon, Peyton, Manitou Springs, and other surrounding communities.

00:00 Introduction
00:47 Taylor Grant Introduction
03:35 The 4'Ds
04:33 Scary Story #1 : The Duplex
09:50 Insurance Hates Risk
11:18 Scary Story #2: The Schools
15:28 Ambulance Chaser!
16:15 Scary Story #3: MY HOUSE!
19:28 Why use a public adjuster?
24:00 Get an adjuster sooner
25:55 Thanks!

[eddiecenteno]

I get how some adjusters don't want to pay certain items. I do auto and that industry has the same problem with claims. What I don't understand is I'm amazed how many adjusters don't know their own policies and understand the appraisal clause.

[barleyhops]

Great education! I don't do the "linked in" videos he does, but I did look at this youtube feed for Bellator, and I don't see the daily updates. I wish that he did as others in that they upload shorts to his youtubes as others do. I'll look for his denial of the day on Facebook next. EDITED: I cannot find him on facebook. Anyone with a link?

[wrenchday]

I have a crazy story and am willing to share. I had two claims. one in november 2022 for storm damage, and one in december 2022 for frozen pipe bursts. long story short, they refused to pay for any supplements on the roof from the storm damage because they said that even though my house was high with golf ball sized hail followed by torrential downpour for 2 days and high winds, that they could not correlate the water damage coming from the roof as storm damage. and then when i filed my second claim for water damage, they hired a civil engineer to come and look at my house and the engineer was not given any guidance as to why he needed to be there, fast forward 3 months later, I am still waiting for the insurance company to pay for the second claim, even though they have an approved estimate written by the insurance company and no payment issued for repairs.

[kateflorin]

Hi my insurance is expiring in 2 weeks, my roof got hit by hail and I’m on the process of filing a claim. My current home insurance is dropping me so I need to look for a new home insurance . Should I wait till till I get a new home insurance before i get the adjuster to come? I already got a roofer filed a claim with my current home insurance. I’m scared that it will show up that I already have a claim and it will make the qoute higher. What should I do?

[eeepeeep]

I need his service, where can I contact him. I'm fighting with insurance over my roof damage now.

[Sushi]

I don’t have a duplex. Does not apply. How many people do?

[zwilkinson]

Like the video not the audio. Thank you

[johnanderson]

If insurance company’s failure led to health issues can public adjusters help?

[johnanderson]

It took me over 3 yrs. To resolve & public adjuster helped, but still lost money as their payment wasn’t covered. Not complaining, but insurance should cover adjuster fee since insurance company forced you to go after.

[jameshenderson]

This is the biggest load of BS 🤣 PAs are great for complex claims where large events such as hurricanes and destructive winds structurally affect a home. For a simple wind/hail roof claim they're predatory with their customer prospects and increase the estimate exponentially, often, 2X what the policy covers. The policy also states that it covers "Fair market value" meaning O and P on roof isn't FMV. I have yet to have a roofer or PA give a legitimate, claim and policy-related reason why O and P for a simple roof/gutter job should be added.