Roof or Die - Sales Training - Hail Damage - Documenting Roof Damage

Roof or Die - Sales Training for documenting hail damage on a roof

[mikeharrison]

I am an Insurance Adjuster and this was a good roof inspection assessment.

[mgettemy]

I’m newly a project advisor for a roofing company - this video was very educational

[CallusFutura]

Great video! I’m applying to be a roofing consultant for a roofing company. I have experience with roofing but this went very in-depth into specific details of the process, that are very helpful. Thank you!

[BuddyRobinson-dwxu]

You are exactly right on Allstate, I am an I/A and refuse to ever run a claim for them. Lot of the carriers don't like pics of the shingles edges because majority of them are blister. Although some of it is legit hail but I always try to find damage in middle of shingles.

[richardmckrell]

Arduous not ardulous, at least he's trying.

[jeffryparfait]

Adjuster here, great training. I would focus more on collateral damage on metals and hail strikes in ridge but other than that, good training video

[TNTmedia]

Why did you mark a slope with vents and jacks in it, 🤔 ❓️ Section of the Slope to the right has no hardware on it

[somefrigginguy]

I slept at a holiday inn express last night and this is a totaled roof from hail damage.

[ChrisGarcia-skpj]

So, reading the comments, should roofing contractors mark with chalk or not? Because in the video you're saying "you want to mark this and you want to mark that"... Also, since there is fiberglass showing and that is the last layer of the shingle, why wouldn't that be covered? I mean, the whole point of documenting the asphalt showing from hail damage is because it will erode over time and will cause further damage... so whether its "wear and tear" or from an existing hail hit that eroded over time, wouldn't fiberglass being revealed mean that it won't shed water and in fact leak water through? isn't that worse than a hail hit?

[joshuatree]

Many adjusters do not like if you chalk the roof. They are mandated to do their own work in many situations.

Good training video though.

[RoofingFacts]

So the concept of a 10'x10' square is accurate, but inaccurate. The principle established in 1989 was to create a square that would be easily divisible number usuable for representation, the easiest of which would be 100sf. The original methods were 10x10, 5x20, or on hip roofs a triangle with a height of 10' but base of 20'.

Beyond that, its mostly accurate. A couple things worth mentioning is that algae gets cleaned partially by recent hail, so a lack of spatter can be used as evidence for the age and severity of the storm. I would also spend a lot more time on the collateral, as a roof that is a "maybe" (could go either way depending on the adjuster or insurance company) will become a yes with good collateral and often a no with no collateral.
Hail and wind should be two seperate counts, as they are often seperated into two seperate events and wind is based on a % of the roof whereas wind is hits per square based.

Another tip is you ahould always look for hail at the ridge, as the field areas are more likely to occur damages due to the manufacturing process, foot traffic, heat blistering, etc.

Its good to note that the South and West sides will always look the worst due to granule loss/sun exposure. If damage counts go from worst to least as South-West-East-North, its more often than not your contractor confused deterioration with hail. Not always, but the vast majority of the time.
Theres a good note to make also that if the edge of the shingles show fiberglass, look at the color of the asphaly next to it. Its going to be an off-gray. Narural weathering out in the field will match that coloring well, so if you see a lot of things that look like that deterioration, it may not be hail.

Also, just like you never mark the edges left to right on architectual, you never mark the bottom, as this is most commonly scuffs from boots, compressor hoses, etc.

[joemarroquin]

Thx for video
I just started bro in law company! When new start how much you think average be making first 6 month?

[mikethompson]

Probably easier to mark what's done right

[eag]

Lol the chimney would leak ever rain if it didn’t have flashing. This is the original roof and the flashing was put in behind the brick

[GoldenMarleyMoo]

I'm a cat adjuster and based on your inspection I'm denying that roof all day.

The storm collar on that 8" through pipe has no damages, no dents in the pipe itself which is made of thin tin. The ridge looks like it's in great condition and is the weakest shingle on the roof. Soft metals don't look dented up at all, chimney chase looks fine. That roof is so light in color hail damage would show up so well you'd be able to play connect the dots before you even stepped off the ladder.

Your idea of collateral damage is wrong we don't care about the roof until we see what's on the ground. Collateral damage is - grills, grill covers, soft wood fences, patio furniture, patio furniture covers, wicker anything, flower pots, garden decorations, mailboxes, garage door vinyl siding will often crack on a circular pattern or break at the edge, clap board siding will chip at the edge and break paint, landscaping and gardens will be obliterated, that yard wouldn't look that clean it would be full of debris from all those trees (and we owe for that),
plastic utility covers that are heavily oxidized will be damaged or at least have oxidization cleaned off, outdoor heaters and umbrellas die in damaging hail immediately, deck railings will show new wood especially at edges, hot tub covers immediately die in damaging hail, enclosed trailers immediately die in damaging hail, aluminum travel trailers immediately die in hail, garage door trim gets beat to death.

I could go on and on getting on the roof to poke at discolored spots on the roof or granular loss on an old roof is the absolute last thing we're doing with you.

A lot of roofers don't seem to get it, when we have legitimate hail claims they're BIG claims. We are replacing personal property in that claim everything from flower pots to garden gnomes.
We expect to be painting at least one side of a house, we're definitely replacing the aluminum window trims or painting the wooden ones, we expect to be buying vinyl siding if the house has it, window screens, garage doors, often buy exterior doors, exterior lights.
Hell I've even paid for an outdoor pizza oven, smokers, lawn chairs immediately die in hail.

You guys get out on these roofs and make the homeowners feel like they're entitled to a roof because a roofer says you definitely have hail damage! Then you piss us off immensely when we get out there and there's nothing but the roof and a singular small dent for you to show us on the downspout.
Then we have to be the jerks that go to the homeowner and say I'm sorry, I really don't see anything here. Then you make people feel like insurance is the big bad wolf, because you're being a door knocking salesman that's doing what a salesman does and creating a problem to sell.

My average legitimate hail claim payout costs so much more than a roof im expecting to pay 50k for an average house. I'm paying for it all, and people with those claims have no problems with insurance.

Here's the deal, if a homeowner has experienced a legitimate damaging hail storm they don't not know about it. Everything gets obliterated those homeowners would have been cleaning up tree debris for They would of been at an absolute loss of where to even begin because it ALL gets damaged.

Mother nature does not create hail storms that comes by and only hits the roof. You said you know which direction it came from? Show the siding, show the windows on that side of the house. Where's the spatter marks?

Wind damage? After you said it's critter damage? We aren't stupid, we've seen what actual storm damage looks like thousands of times over. An adjuster isnt going to argue about that, they're simply going to call bullshit and ignore you because you're now proving to us you don't know what you're looking for. We don't need roofers present, we don't need you to tell us what is damaged we entertain it and are professional for the homeowners comfort nothing more.

We have access to all the data you can possibly imagine. We know exactly every single date that hail occured at that house for the past 3 years, we know exactly what wind speed occured at that house for the past three years. We can get satellite imaging and tell you how long that one "wind" damaged shingle has been damaged. We know the patterns of every storm that occurs that had caused any type of damage. We know how many claims are in a specific area from all carriers, we know their entire claim history and the property address entire claim history from the build date.

Sell the homeowner a roof simply because it's old and deteriorating and the house needs it. Making them believe they have damages they don't and making them think they'll get a new roof from insurance as a maintenance program is wrong.

You make my job harder, you make your job harder and you stress the homeowner and ruin their insurance. This is not only denied for wear tear and deterioration but now condition is going to be heavily documented because we have to it's our job and it's likely going to underwriting. You know what happens then? The homeowner loses their insurance because now they're high risk for lack of maintenance and they're going to have a hard time finding another carrier to take them.

If this roof got replaced you and the homeowner won the lottery and got an adjuster that isn't trained enough yet.

Insurance is for fires, broken pipes that flooded the house, actual hail that destroyed everything, tornados, hurricanes (except flooding), vandalism, robberies.
It is not and never will be a maintenance program, homeowners policy under obligations - homeowner has to keep their home well maintained and in repair. Has this honeowner done that? With fibers exposed, rusted out storm collars, severe granual loss?

We have actual work to do where people actually need us and don't need a roofer with a chalk stick and a magnifying glass to determine if they have a legitimate claim or not. Especially in the summer, where a lot of the Midwest is getting beat to death with actual hail that has their siding in pieces on the ground or worse.

[Julioccas]

How do u do to get jobs from insurance companies

[Metal_junk]

Big dude is a little weird, but this was a very informative video.

[elithepitbulldog]

He’s incorrect. If there are numerous fiberglass fibers showing thru, that’s indicative of severe hail damage. 1 or 2 spots no.

[HipCheks]

No one commented on the pipe boot install?

[JRCoronado]

All I see is a lot of blisters and granule loss