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

07/18/2007 10:11 PM
Mr. Ebner: after reading your post again, I would like to thank you for being fair, & absolute genius in this matter. I will keep your thoughts in mind, as we work through this paticular storm. Thanks BLT

Steve Ebner User is Offline

Moderator
Lake Ariel, PA
Member

Posts:271

07/18/2007 11:10 PM
Thank you. I am humbled by your praise.

Steve Ebner "With great power comes great responsibility." (Stanley Lieber, Amazing Fantasy # 15 August 1962)

Nick Angelides User is Offline

Posts:24

08/31/2007 1:41 AM
after working in NOLA as a contractor. We were told by our superiors to write up every Asbestos, Maxi slate, and Hardi slate up as a complete re-roof regardless of damage(one tile cracked or 100). Most were bought right away by adjusters that didnt know any better, the others went to mediation and appraisel and were all eventually totalled. I think we lost one to State Farm. Most all other Carriers bought every one a few days before going to mediation. State Farm was really the only one to put up a fight. I worked for Suburban Roofing in NOLA if it is of anyones concern. Maxi, and Hardi are easy Totals. I wouldnt call Mr. Brooks a liar yet. the product and composition of product simply isnt made anymore. Matches can not be made. Asbestos is different. there are many bone-yards with the product available. It is the carriers job to find a similiar product. Once found they must determine if it is cost effective to re-roof or repair the home. Warranty, and color match is a contractor issue and not a concern of the carrier as stated in most policies. when it comes to concrete tile...its concrete...it can be reproduced. The profile of the tile must be matched, but color again is not a concern of the carrier as stated in most policies. The next concern is...is it cheaper to make an exact replica of the tile for 30 pcs... or re-ridge the entire home with an existing concrete product? That is your job Mr. contractor... find out which one is cost effective.

Ray Hall

Adjuster
Houston, TX
Member

Posts:700

08/31/2007 3:54 PM
This is another scheme that the carriers should do some serious thinking about. The insurance restoration industry depends almost 100% of its income stream on "covered insurance losses". The contractors should have to be disqualified to do insurance work unless they have a water extraction department and a roofing replacement department. Each department should have a seperate manager and seperate employees. On September 15, 2007 all employees should have to change departments. This would result in all the roof claims being repairable and all of the wet carpet claims would be a total R & R without water sucking attempts. This would result in billions of $$$ saved in one year. satire ( may be moved to humor post)

brooks todd User is Offline

Posts:40

09/03/2007 7:04 PM
I am glad I am not in the restoration industry. We were reffered for the big Hardi Shake job, because we can handle extreme roofs. I do not like insurance jobs. I promise you I can measure a roof with the best of them, and I know how many squares it takes to complete a roof. A waste factor of 12% is not enough for a roof with 27 hips. Fighting that 1 now. Should be 17% . Nick the most cost effective solution would be to replace all ridge & rake, with a modern tile, all the same color. In one sentence you say the carrier should find a match, and in your last sentence you say it is my problem. Once again be fair or be consistent. See you in the field men, be careful.

Bryan Hines User is Offline

Posts:72

09/03/2007 11:05 PM
Tom you wrote "I can assure you, Mr. & Mrs. Insured are NOT going to replace their entire roof for thousands of dollars, they are going to find a way to patch the roof. Now, if they are not willing to spend thousands of dollars just to cure a color variance, why should the insurance company." While I understand your logic as it applies to color variance I feel this thought process leads to problems in claims handling. The policyholder is not under contract to maintain or repair the house to a certain standard of construction. The policy does not state nor imply that the carrier only owes to repair in the same manner equal to that of the policy holder's. I want to say that I have read many of your post and have respect for your Knowledge. I also want to be up front and say that I am involved in the restoration and consulting industry. I also from time to time still take IA commercial cat assignments.

peter burch User is Offline

Adjuster
where ever the winds blow
Member

Posts:171

09/04/2007 11:22 AM
Most homeowners don't budget to replace their roof after a storm, surprise, they buy insurance with replace cost coverage (where available). Would I want different colors shingles on my roof, nope. There is a simple solution to the issue of color matching. Offer guarenteed exterior color match and charge a premium.

Still sliding down the razorblade of life.

John Davis User is Offline

Posts:38

09/04/2007 4:05 PM
I have worked claims in DFW and the surounding area for 15 years and I can tell you that Huffaker Roofing Company installed most of the Hardi Shake roofs and would have enough Hardi Shakes to do this small of a patch without replacing an entire roof. I would pay for replacing the damaged clay tile ridge pieces with tile that would fit the other pieces without regard for style or color.

Bryan Hines User is Offline

Posts:72

09/04/2007 4:56 PM
"without regard for style or color" And as the Blue Collar Guys say "Now thats funny and I dont care who you are"! Well I quess the policyholder won't find it too funny and thats why that attitude is a bad faith suit waiting to happen.

bryan newell User is Offline

Posts:1

09/05/2007 3:32 AM
I have worked many hailstorms involving the Hard-Slate & Maxi-Slate roofing products & found the carriers I worked for generally replaced the roof with borderline hail damage, because of the lack of LKQ. The roof would definitely have a checkerboard effect due to the efflorescence inherent in the product. I live in the DFW area & found this to be the norm in handling the cat claims. That being said, a very good friend of mine bought a house in Colleyville that had Hardi-Slates on it. In the purchase process the house failed inspection due to some minor damage to the roof. He made a few calls & he found a roofer that repaired it by using Firefree Plus slates, which the roofer cut to the proper exposure. He told me a total of 35 slates were replaced for $700.00. You can patch a 3-tab roof, which will cause mismatched colors so it is the same for the cementious fiber products. Firefree is LKQ & is readily available. I also agree with the poster about there being surplus Hardi-Slates around. I know for a fact Brad Anderson Roofing has a supply of them, which he keeps for his warranty repairs. Most reputable roofing contractors bought a lot of the product once they knew the products were going off the market.

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