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Last Post 04/07/2007 1:57 PM by  roofpro
Indiana hail
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Hail_Boy
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03/30/2007 11:29 AM

    (1) The main hail event occurred on April 14, 2006, with more minor events in May, July and Sept.  It appears a plan is underway by several ins. Co.s to deny any claim filed after April 14, 2007.  Any thoughts on the prospect of the success of this plan?

     

    (2) Major damage was done to 2 sides of an Alum sided house, with minor damage done to other 2 sides.  the siding is no longer made.  on first inspection, an Allstate (Pilot) adjustor only paid for 2 sides.  Any thoughts on getting all 4 sides paid for?

     

    (3) A 40 yr organic shingle, 15 YO has small spider cracks all over.  The cracks are not visible from the ground and no mat is exposed and is IMHO a normal wear pattern.   Hail directly hit south slope creating about 50 nickel sized mat exposures/100SqFt. , north slope, with glancing hail hit, has 1-2 nickel sized mat.  Adjustor first denied there was any hail event, then claimned roof was defective. 

    (a) Should roof claim be denied?

    (b) If one assumes the 40 yr shingle is defective and lost 10 years of its life, the hail decreased its life another 10+ years.  Should calim still be denied?

     

    Hail Boy
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    russh
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    03/30/2007 4:39 PM
    It appears a plan is underway by several ins. Co.s to deny any claim filed after April 14, 2007.


    (1)Technically they don't have to accept claims past 1 year. So what plan would you be referring to?

    (2) Major and Minor is there a differance? Either the leward sides sustained dents or not. If they did get dents it's damage, period.

    (3) Adjusters are hardley qualified to state a shingle is defective with any amount of authority. To truely know if a shingle is defective the respective manufacturer must have it tested in a lab. Stating a shingle is defective as a basis for denying a claim; saying, " this isn't hail damge it's a defective shingle"  would border on, if not bad faith. Especially if proper test's weren't conducted to know the facts about the shingle's condition.

    (a) Seems like payment was denied but the claim wasn't. CLUE!!!

    (b) You can assume the roof is defective and have a foundation for which to negotiate or prove your point. How do you quantify that the hail decreased the life of the roof by 10 years? The roof is either damaged or not, albiet some hail damage is not readily visible and can take up to a few years to show it's insideous head. Are you gonna be in Indy in a few years to find out about this roof???
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    Hail_Boy
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    03/30/2007 10:44 PM

    Thanks Russ,

    (1) This has been referred to as a "2 year storm" by various storm chaser types adn a few adjusters.  And it was my understanding that the clause: "1 year from the date of the loss" through common law interpretation should be read more like, "1 year from the date the damage was discovered or reasonably should have been discovered."  And obviously Home owners dont know they've had hail damage.

    (2) Agreed, at the very least they should have paid for a repair.

    (3) Agreed.

    (a) I'm not sure what you mean, the claim was denied and I'll be requesting a second inspection, hoping to get an adjuster who knows what an organic shingle is.  

    (b) i was just using the numbers for reference, i agree if the shingle has lost service life or sufferred diminuation of water shedding capability it is damage and should be replaced.   the explosions of the granuale layer at hail impact is unmistakable in an organic.
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    roofpro
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    04/07/2007 1:57 PM
    "1 year from the date the damage was discovered or reasonably should have been discovered." And obviously Home owners dont know they've had hail damage.

    Who is to say what this reasonable time frame is ?
    I belive that technicaly Ins co, do not have to pay for any thing after the 1 year deadline from the date the storm accured, How ever insurance related or not all so called policies and or guidelines are just that guidelines, I have seen claims filed after the one year. some paid some denied. As long as the claim is filed you can go back for re inspect or supplement long after the 1 year date
    When the storm chasers refer to a 2 year storm they simply mean there is enough work to last 2 years (hopefully) It has nothing to do with insurance guidelines. and 2 years worth of work to a storm chaser means 12 to 18 months worth of work seeing how they usually close down for a few months every winter and leave all their customers just wondering what is going on.

    If alum, siding is damagedon 2 sides the whole house should be baught.
    If a shingle receves hail damage then the fact that the shingle is defected becomes erelevent, hail damage is hail damage. and no adjuster or roofer has the right to say a shingle is defected. the shingle manufacturer must say weather it is or not.
    Sad but true MOST STORM CHASERS and a lot of cat-adjusters know very little about what they are doing, Very few can actually tell the difference in a hail hit and just normal wear and age. Normal wear is mistaken for hail damage quite often by greedy storm chasers.

    Has any one heard any thing about the recent hail around the Indianapolis area last week ?
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