Like kind & quality > Catastrophe Central, The Adjuster's Forum > CatAdjuster.org

Subject: Like kind & quality

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brooks todd User is Offline

Posts:40

07/01/2007 4:34 PM
Is color taken into account, when roofing tile needs to be replaced ? I have a customer with a tile roof, that is no longer manufactured. All of the salvage yards have been searched, and the tile or accesories are not available. The carrier claims color doesn't matter, and suggest using a completely different product . Also they only want to replace 30 foot of ridge. This means the homeowner will have 2 different types of ridge. I cannot warranty a repair like this, and it will look horrible. I am roofing contractor. My suggestion was the carrier should replace all of the ridge & rake, and I can make the field tile work. They are not interested in any negotiation. I have my work than I can handle, 98% of my work is new construction. I do not like insurance claims becuse of problems like these. But i really cannot just bail out on this Lady.

Ray Smith

Posts:40

07/01/2007 11:17 PM
The insurance company is not responsible for warranties, that is between you and the homeowner. There are paints out there for use with roofing tiles so that color should not be an issue.

brooks todd User is Offline

Posts:40

07/02/2007 7:34 AM
The problem with the tile, is the profile. The tile on this house is Monier Monray, from the 80's. The new choices are not even close. So should the homeowner just accept that she is being asked by the carrier, to use a product not made for her roof ? Warranty is an issue. The "adjuster claims you can use any ridge tile. OK, so I install a ridge that doesnt fit, it leaks, who is responsible for that ?

Ray Smith

Posts:40

07/02/2007 12:23 PM
As it was told to you on your other posting on this subject if it was made by man it can be found, or duplicated. I do not recall the name of the company but there is a roofing tile company that will match tiles for people, however they do have a minimum. Your original post you state that it would look horrible and not that the product would not work in relation to the original tiles. If you cannot perform the task then do not accept it. Let the insured find a more capable contractor. Yes, I am suggesting that if you install a ridge that doesn't fit and leaks then you are responsible. If you do not guaranty it with the insured then they are responsible.

brooks todd User is Offline

Posts:40

07/02/2007 8:33 PM
we install more slate, clay & concrete tile than any contractor in Texas. so i am not sure whom is more capable, and i also know what will work. the company in question would charge tons more than it would take, just to replace the 200 foot on the house. i also have been called by 3 carriers, to give a fair estimate on R&R of tile roofing in the D/FW area. did all of the estimates, gratis. we are all in this together, to help the homeowners who do not do this everyday. i am just dealing with a couple of staff people who are being instructed to half - A this project. i respect y'alls opinion.

Steve Beaumont User is Offline

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Posts:284

07/02/2007 10:03 PM
Brooks, what roofing co are you with? I worked the hail there 03 and the tornado in 2000, and had a fair amount of dealings with various roofers, some good and some not. Just curious what company you are with as it appears it is one of the biggys.

brooks todd User is Offline

Posts:40

07/02/2007 10:47 PM
www.ramonroofing.com we would not be a major player after storms. mainly work for friends and family. our company only has 6 full time employees , but we work our a$$ off. A side note, our company didnt have the oppoutunity to bid the projects i scoped.

valleri hoefer CPCU AIC IIA User is Offline

Posts:16

07/03/2007 1:33 PM
I would think that if a close match cannot be found or remanufactured, that the insured has a legitimate complaint. Most of the carriers have their own take on this and many states have unfair claims practice laws on the books that cover this as well. I cannot comment on Texas, but Ohio Unfair Claims Practices indicate that you cannot just replace a portion of damaged property leaving it in a state that the overall value will be reduced. Thats why we end up replacing entire groupings of cabinets. When I work with Big Red, they will replace any slopes that will be visible to the eye while standing in any one place due to matching issues. In any event, I don't believe it is a roofer's battle to fight, it is up to the insured and his carrier or the department of insurance. If I were a contractor and didn't feel comfortable with how a repair was dictated to me, I certainly would not take the job.

brooks todd User is Offline

Posts:40

07/04/2007 2:31 PM
that is a good point about the home losing value. i know that if they sell the home, when the inspector comes out, they will want the mismatched tile replaced. i know it is not my battle, but this lady needs help. and her carrier is not helping her.

Tim Wieneke User is Offline

Posts:4

07/14/2007 8:51 PM
Sounds like a matching vs. physical damage direct issue. I haven't adjusted in Texas so I wouldn't know the answer but this may help you get started towards your answer. Does the state cover matching or direct physical damage only?

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