Hail and wind damage has been substantial so far this year (June 9th, 2008), in Texas.
See ALL weather related events TDI bulletins- http://www.tdi.state.tx.us/bulletins/index.html
Some insurance adjusters are missing a lot of damage, and others are not. More often than not, my clients receive thousands and thousands of dollars more for the ACTUAL damage their property received because of:
Careful and accurate accounting of ALL hail and wind damage to a property’s various exterior and interior components.
Helping each individual client to understand sound and solid reconstruction protocols, verses “lipstick and rouge” type repairs.
Honestly justifying premium reconstruction pricing, verses others (adjusters and contractors) low-end pricing.
As a G.C., roofing contractors understand that on new residential and/or commercial construction work, they are my “wholesale” (cost) product to offer as a “retail” cost product to my clients.
With that said, and after 16 years of insurance work in post-catastrophe business markets, I met an adjuster this past week that works for Farm Bureau, and who seems to have a new understanding on what all “Unit Costs” account for in Simsol generated loss claim estimates.
He is working in Mineral Wells, Texas, and his name is…well, lets call him Mr.??.
Mr.?? claims that;
‘Roofing contractor unit costs contain both the roofing contractor’s and general contractor’s overhead and profit cost factors in them’.
‘We don’t have a price range for  year shingles, there is only a going single rate price per square’.
‘I don’t care if there is a dedicated primary-general contractor overhead and profit line item’.
That in itself is not remarkable, being I meet those types of adjusters on occasion.
The remarkable and kinda’ funny justification is that ‘that is the way it is, and the way it is going to stay’, per Mr.??.
As I tried to reason with him regarding his poor sense of construction estimating judgment, he became further entrenched in his bizarre position.
This issue will not take much to resolve from their corporate office, but it does make it clear that Farm Bureau should be cautious about who they support in representation of them.
They should also be aware that not everyone who is served “double-speak soup” by less than truthful adjusters, will not realize the offensive odor of such a nasty dish, and warn others that such poisonous offerings exist.
Too, John Postava, an original owner of Simsol, was contacted by e-mail to see if he would support such estimating methodology nonsense by the maladjusted “adjuster”.
No reply yet.
So…met any good or bad adjusters lately in your state / city?
Have any tried to convince your clients that an “appearance allowance” on their hail - wind damaged roofing and/or siding systems is a proper measurement of the repair/replacement loss claim value?