Metal Roofing
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Metal Roofing - 10/1/2004 10:57:09 AM
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Manmut
Posts: 11
Joined: 4/19/2004
Home base: Manitowoc, WI
Status: offline
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I have two different claims involving hail damage to metal roofing. The first claim is an agricultural building manufactured by Northland. The second claim is a garage manufactured by Cleary. Golf ball sized hail damaged the roofs of both buildings. The insureds are brothers who live next door to each other, so what I do on one claim will have an impact on the other.
The same contractor is involved in both claims. He has recommended a painting system from Sherwin-Williams as the repair. This system evidently involves 1. cleaning the roof; 2. chemical treatment; and 3. painting with a special metal paint.
Both insureds are unhappy with that recommendation, and are requesting replacement of the damaged roof panels. One argument I have heard from them is that their buildings are only five years old (roughly) and are still under warranty. According to the contractor Sherwin Williams has agreed to provide a twenty year warranty provided that the repair is done to their specs. I have also contacted both manufacturers to determine if they will accept the paint repair. Neither has gotten back to me yet, but I expect return calls sometime next week.
Now, I don't want to get into a debate regarding whether we owe for warranties or not, I'm simply trying to keep my customers happy with their claims without paying more than the company owes. My questions are: is anyone familiar with acceptable repair methods for metal roofing? Is the Sherwin-Williams recommended repair acceptable?
I'm just trying to get a feel from adjusters more experience with this type of roofing how to approach the repair.
Thanks
Patrick Laws
Manitowoc Mutual Insurance
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RE: Metal Roofing - 10/1/2004 1:23:44 PM
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John_Pendergrass
Posts: 24
Joined: 4/19/2004
Home base: Fort Wayne, Indiana
Status: offline
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For what it is worth,
First, each claim should stand on its own merits, and not be intimidated by brothers.
Second, if in fact the damage is golf ball size you owe for the metal replacement. Painting is a cover, not a repair.
Lastly, You owe for damages incurred to make the insured whole ( before the damage,)
Just my position, but most of the time my wife says Im wrong
< Message edited by John_Pendergrass -- 10/1/2004 1:25:15 PM >
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RE: Metal Roofing - 10/1/2004 2:50:43 PM
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sbeau4014
Posts: 167
Joined: 4/19/2004
Home base: Wherever The Wind Blows, USA
Status: offline
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For my 2 cents worth, I feel that if the metal is dented and the insured's want to have the roofs replaced, you owe the ACV of the metal roofs that are in place, and the withheld depreciation once the replacement is completed, verified and up to the amount of the actual cost/what it would have taked to put back apples for apples. I also agree that each claim stands on it's own merits, even though they are brothers and live near each other. All that said, there are endorsements out there that call for appearance allowances for metal roofs damaged by hail, and if one of those was in place, disregard all of the above. If ACV is paid and replacement is not done, the insd should be made aware that future hail losses would not be paid to them (unless they replacement them at that point, and then they may be able to collect the holdback)
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RE: Metal Roofing - 10/1/2004 6:21:25 PM
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khromas
Posts: 611
Joined: 4/19/2004
Home base: Houston, Texas
Status: offline
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John brought up the subject of the painting as a 'cover' and that was what I was thinking when I first read the initial post.
How was painting the roof going to make the insured whole? All you would have is a still-dented roof with a nice new coat of paint on it. About the only repair scenario for a metal roof would be the use of the 'pop-a-dent' you see advertised from Ronco or something.
I would follow Steve's (sbeau) recommendation and pay the ACV for a replacement. Be careful on how much depreciation you apply on a metal roof. Dependent on the gauge, you can have a roof with a
40-50 year lifespan. Based on the remark that the roofs are about 5 years old and any more than about 10% and you are open to bad faith handling.
Just my take on the subject!
(A squirrel is just a rat with a better press agent!)
_____________________________
Kevin Hromas
_______________________________________
Definition of a LIBERAL: a person who is so open-minded that their brains have fallen out!
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RE: Metal Roofing - 10/7/2004 9:18:43 AM
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Manmut
Posts: 11
Joined: 4/19/2004
Home base: Manitowoc, WI
Status: offline
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Thanks for all the advice. I think I have a pretty good idea how to address these claims now. By the way, one of the manufacturers responded to me and said that a paint job will void any warranty on the building. Just FYI.
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