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I heard a Safeco cat manager suggest this when we have matching shingles from a dwelling to a dog house or detached garage. He called it 'harvesting shingles'.

Jaws dropped and the silence was deafening...

Before handling any claim using "shingle harvesting" I would want definite instructions in writing and would force the issue if necessary. My thought is that TWIA's experience, while not directly on point, would provide food for thought.

That is just nuts. I am not at all surprised though. It would be good for the claimsman though. It is sure to leak and create a new claim in a different area next time it rains.

Siding, yes....roofing, no.  Interior ceiling panels, yes...interior drywall, no. 

Posted By ChuckDeaton on 13 Aug 2012 05:02 PM
Before handling any claim using "shingle harvesting" I would want definite instructions in writing and would force the issue if necessary. My thought is that TWIA's experience, while not directly on point, would provide food for thought.

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Chuck spoke of TWIA's experience with this issue, I did a bit of digging and was able to copy verbatim from the 6th amended complaint against TWIA for damages incurred as a result of hurricane Ike and from hurricane Dolly earlier in 2008:

"In one circumstance the insured’s roof required partial replacement only, but there was no existing match available for the rest of the roof because the shingles were the subject of a safety recall.  TWIA advised the adjuster just to pull the shingles off of a neighbor’s roof that was being replaced."

 

There is no direct inference that "harvesting shingles" is against Texas DOI. Although this is something insureds do all the time (to save a few bucks) I have never seen a carrier recommend nor an adjuster write up the harvesting of shingles in a line item XM8 (or any estimating software) estimate 

While I understand your comment, Robby, my reference to TWIA had more to do with making decisions that bring on lawsuits, class action lawsuits, and result in a change of personnell than directly targeting "shingle harvesting." My opinion is that companies that advocate "shingle harvesting" are cruising for a bruising. TWIA got it in the chops after Ike bases on their decision to deny wind claims where the damage was related to shingles with failed glue strips.

Also, there are states that require complete replacement of damaged siding, I may be wrong, but MN may be one.

While I understand your comment, Robby, my reference to TWIA had more to do with making decisions that bring on lawsuits, class action lawsuits, and result in a change of personnell than directly targeting "shingle harvesting." My opinion is that companies that advocate "shingle harvesting" are cruising for a bruising. TWIA got it in the chops after Ike based on their decision to deny wind claims where the damage was related to shingles with failed glue strips.

Also, there are states that require complete replacement of damaged siding, I may be wrong, but MN may be one.

Maybe I answered a little too quickly, but how much "harvesting" is involved?  Back in my staff days, it was always allowed and acceptable to pull the vinyl or aluminum siding off the detached garage (which happened to be protected from the hail by trees) and put those panels on the 1 exposed elevation of the home that was damaged.  The home was restored to pre-loss condition, and the detached garage was resided in its entirety.  The only time this was done though, was when the existing siding could not be matched otherwise due to "grain" or dimensions for proper installation.  Seems those siding companies changed the lip configuration or the width's every 4-5 years or so by an 8th".

Regarding shingles.......are we talking about 5? 10? half the slope?  If it's beyond a handful, I foresee trouble with existing nail holes, compromised seals, etc., and unnecessary extra labor.