5 Ways Insurance Companies Make You Pay💲For Your Roof Claim

When we have a roof claim for our insurance coverage after a hail storm or other catastrophe, we all want to believe that our insurance company is looking out for our best interest, but in this video we'll show you 5 ways your insurance company avoids paying for your roof claim.

CHAPTER MENU:
00:00 Intro
01:15 Tactic #1 - Raise your deductible
03:10 Tactic #2 - Deny the claim
04:28 Tactic #3 - Fight with your contractor
05:58 Tactic #4 - Pro-rate your replacement coverage
08:51 Tactic #5 - Cosmetic exclusions

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.

[homesteadroofing]

Look for the bright, yellow tab on the right side that says "Instant Roof Quote" It will only take you about 30 seconds and it will give you a pretty good idea of what a new roof may cost you.

[KCShox]

Working with contractors can make any sane person crazy. In my 20 years of property claims handling, I can't count the number of times I've seen contractors commit the most shady and unscrupulous business practices toward insurance and their customers. Meeting with the customer and they are worn out and pissed by having 10 door knocking roofers come to their home in a few days. Or the time I was in my hotel room and next door, a large gathering of roofers were talking about methods to place pressure on the customer, place pressure on the adjuster and create hail damage. Or, the time our company initiated an SIU investigation on a local roofing firm who submitted fraudulent invoices of completed repairs to get the recoverable depreciation released when in fact, the work was never performed. Or the time a local contractor manually created wind damaged shingles not knowing the neighbor across the street was recording him. Or the time a contractor threatened me in front of the customer because he felt I did not know what hail damage was - where I subsequently pointed out to the customer the circled hail hit he had done was actually dried bird crap. Or the time a roofer was chewing tobacco while inspecting the roof with me, then showed me a hail hit which was actually the tobacco spit that had dried 5 minutes earlier (that was quite funny). Roofers come up with a lot of conspiracy theories about how adjusters and insurance don't want to buy roofs. Such as, adjusters get bonuses for denying claims, insurance profits more off denying legitimate claims, and so on and so forth. Here is my challenge to any roofing contractor. Show me any company letterhead, document, communication, audio or video recording of conversations where it directs adjusters to deny claims. Go ahead, I'll wait. In today's society, where whistleblowing is all so common, it's amazing to me that these roofers can't find support to back up their beliefs. If a company like State Farm was caught instructing their adjusters to purposely deny roof claims to save a buck, can you imagine the amount of negative PR that company would go through and the amount of business they'd lose as a result? It would be in the billions and might just cause that company to go insolvent.

[dotcampbell]

After 34 years I found out the hard way that I wasn't in good hands with Allstate.

[WayneFindsLife]

You drive your coverage, read your policy, get the endorsements needed and don’t shop by price. The coverage choices are yours to make and companies have to pay based on your coverage.

[davids]

This Is Exactly what State farm is trying to do to me. Including yelling at me on the phone because I questioned why they are trying to use a 2018 Hail storm and we literally had a huge hail storm on memorial day. Now they are harassing the technicians I Hired and saying they want there own technician who works for them not me so I can get lowballed. Plus they want me to provide a Hail report with GPS Locations that's over 200$. It's been the worst experience of my life. 10 years I've had state farm with 4 vehicle, life insurance and Home coverage all with state farm and never once have I had to call them until now. It's been a nightmare and they are doing all of this to Me and My wife and family.

[allaboutroofing]

Excellent video.
State Farm is the major insurer with a cosmetic exclusion clause when you install a class 4 roof and sign up for their discount, which sounds great in theory. They even started offering it on regular class 3 roofs if you sign up for the "impact resistant discount." And it's hidden in the fine print, usually not disclosed by the agents. Sounds good to get a 30% discount till you are left fitting the full replacement when you go to sell your home and the inspector says the roof needs replaced due to hail, but your insurer says sorry, it's only cosmetic. Won't fly on a transaction and you are out 10-15k for a roof when you saved $500 a year on the premium.
(Feel free to delete if you didn't want the company disclosed) ✌️

[walterwarren]

Based on this video, I will be calling my insurance agent tomorrow. I want to let them know I am replacing my roof. And I'm trimming my tree to limit potential damage. I'd rather not have a claim, but when they come, I will already have a headache I dont want two. ( well I have a wife but that headache never goes away 🙃). Thanks for the heads up

[CarlosHernandez-pqrg]

This is great information. Thanks so much. I am not in the roofing industry, but I have been curious about how insurance claims work. Thanks so much.

[thegamingmusketeers]

A lot of dinero for those Ins for sure! Thank you for this amazing video sir

[PagePage-rpqc]

Great info! Had an adjuster come out and say nothing is wrong with our roof meanwhile literally every other house on our street is getting new roofs. I’m calling a private roofer for free estimate today to have ammo for my insurance company when I call to fight it. Do you think the outside inspector report will help in my favor? Thank you for the video.

[mustangecoboosthpp]

Depreciation is normal in a policy, if you want to get the full replacement cost then add replacement cost rider on the insurance policy. Our homeowners policy has replacement cost so as the cost has gone up we get full current replacement cost minus the deductible.

[databang]

I’m here because, although no inspection was done, State Farm told me the "rolled roof" was unreliable and deprecated. The roof was installed within 20 years on a Berkeley 1928 stucco bungalow and weather is dry without severe storms. They told me I needed to redo the roof and show them a bid to have it redone in order to renew the policy. With a 10k deductible, I’m wondering if I should get the right roof for the insurer, or the right insurer that will insure the functional roof I have. Thanks for sharing your video.

[willswigart]

Hello Tracy, thank you much for your informative videos and the knowledge you share with us. Being in the Greater Seattle area I can not take advantage of your firm and hire you unfortunately. But perhaps you may know of public adjusters for residential property in the Greater Seattle area who will go to bat for us homeowners and get us the appropriate amount of funds for our roof damage claims? I'm having a hard time with finding someone who works on behalf of homeowners in negotiating with insurance companies, in my case with Foremost, a subsidiary of Farmers.

Also, might you be able to quickly address the difference between a homeowners insurance policy and roof damage repair/replacement vs the asphalt shingle manufacturers warranty insurance and how each may come into play?

[rocknroll]

I’m a roofing company owner and it’s good to hear someone that knows what they are talking about

[Logan_G]

I recognize this is a video that is intended to shine light on the negative sides of insurance and not the every case.. but every point made has a valid counter argument.
If you or someone you know has a homeowners insurance policy.. ask a trusted contractor(s) BEFORE you ever need an insurance claim who they prefer to work with. You will learn a lot. With the same token you could ask an insurance adjuster who they would recommend to have their property worked on.

[stevenevangelist]

One big tactics, blow you off, lie till you die, game playing, etc. They are ruthless.

[AWordFromMrJones]

This is very good information, it honestly sounds like that Home Insurance companies do not honor roof claims regardless that the policy owner has included roof coverage in their insurance.

[Timetravel]

What I want to know is if it’s in the best interest for me to have my contractor roofer guy come out when the first adjuster‘s going to evaluate my property? Is it in the best interest of the homeowner to have a contractor there or does it not make a difference?

[carmenh.]

My husband is Retired Airforce.. he's been with State Farm since he was a teenager. He's now 54. He was just contacted and only offering 600 some dollars to repair our roofing. We pay insurance for our home, 4 cars and for years. Our roofing needs fixed. It's causing leaks in two different rooms. This is the thanks my Hubby gets. Thanks State Farm for not having are back.

[davidrichichi]

Damm big dog cosmetic damage ran into that ten years ago impact resistant shingles I talk homeowner do not get those shingles or you will have a trashed roof but the shingle pad has not been broken the insurance will give you the sorry no replacement. As in metal roofs I can get most replaced but you must know where to go on the panel or the adjuster will blow you off Metal roof integrity has been compromised the seems forget the middle any Dents along the seems same for gutters most newbie’s will not go that direction