|  | | Author | Messages | |
Bryan Hines
Posts:74
 | | 04/20/2007 12:18 AM |
| Make no doubt when your out as an IA your an "agent" of the insurance carrier. That said one must be fair to both parties. I think all would agree that when an insured has an RCV policy there is usually betterment involved.
as to LKQ:
Brooks if you meet Ray on my hardishake roof and it is totaled your not gonna replace it with a laminate roof. Maybe a Firefree, but I bet alot of roofers would stand in line for the dollars from a hardishake in exchange for a laminate (from an unsavy homeowner)! | | | |
| brooks todd
Posts:40
| | 04/20/2007 8:32 AM |
| Bryan :
can you obtain Firefree?
that product is junk
Lamarite is a much better product, and it will be easy to educate homeowners on the benefits. I will easilly get Lamarite approved as a replacement. you need to do some homework on Firefree performance in Texas. | | | |
| Bryan Hines
Posts:74
| | 04/20/2007 5:48 PM |
| brooks
I misread your post and thought you were trying to replace hardishake with a "laminate" roof(which has been tried before). However I managed several large Firefree projects in Florida in the last few years. Clients were given their choice of products (one being lamarite) and after consultation with suppliers , clients with Firefree, clients with Lamarite, roofing contractors and engineers all decided to go with Firefree. I assist in administration of warranties and to date we have no issues.
I don't tend to agree with your opinions. Homework already done. | | | |
| brooks todd
Posts:40
| | 04/21/2007 6:49 PM |
| I got a hardi-shake turned into lamarite today.
i do not think firefree is a product i would want to back up.
all respect, to each his own. i gotta think, that both roofing systems are similiar in cost, and i know for sure, lamarite performs better here.
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| brooks todd
Posts:40
| | 04/22/2007 1:24 AM |
| i are a roofer, and would appreciate a dialogue, on the higher end roofs.
i know roofing, and believe we could get things accomplished, working together.
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| steve pierce
Posts:6
| | 06/07/2007 12:41 AM |
| WOW. If "test squares" say replace,,,, then replace. Whay even question it???? Carriers will use the test square to their advantage when denying, but will say " it is only one method of determining repair or replace when it works against them. You do not work for the insured, that I will agree with the others on, but "company men IA's" are very funny to me. They are so READY ! | | | |
| Jud Gardner
Daphne, AL
Posts:128
| | 06/10/2007 12:56 PM |
| Test squares are not the sole deciding factor for when to replace a roof. Most IA's will agree on that. Yet, they are a commonly used tool and do much to bring many hail claims to an effective conclusion. If there are limited hits on a pliable asphalt roof on all slopes, then each individual damaged shingle should be able to be replaced (roof repaired). If there are numerous hits by hail, then the roof can be replaced. It just depends on the age of the roof, the cause of the damage, the extent of the damage, etc. | | | |
| Ray Hall
Adjuster
Houston, TX
Posts:708
| | 06/12/2007 2:22 PM |
| I will not address Lamirite or Fire Free as I do not know which is the better product. The only Hardi roof I ever saw was in Ft Worth in 95 that had baseball and larger hail. None of the shingle were punctured/broken. You could see "small skuff marks" on the butt end's that kinda looked like an old wood shingle that was walked on by a light weight person . Made a big note in the file and closed without a payment recommendation. | | | |
| Peter La Puma
Posts:3
| | 07/02/2007 6:34 PM |
| Pay the claim damages fairly per the guidelines of the policy is my opinion. If you have enough experience,training and the ability to understand the policy coverage language you should be able to adjust the claim correctly.
Sometimes, for sure you run into damages that are open to different interpretations (especially by certain supervisors) we've all had the those claims where the case could be made for resolving the claim damage one of two different ways. Also, it is sometimes a matter of common sense applied, just my humble opinion. | | | |
| Peter La Puma
Posts:3
| | 07/02/2007 6:39 PM |
| | Officially, you work for the Insured, you know- customer service, timely contact, estimation, settlement of the claim, when theres gray areas of minimum differences, it usually goes to the benefit of the Insured etc.....Unofficially, you work for whoever signs your paycheck. | | | |
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