Allstate Insurance new formula to Adjust roof


#1

I have been doing insurance work for 3 years and have never had any problems with Allstate with wind damage until the last 3 months they have been turning every roof down for replacement and only want to repair. I meet a adjuster last week and had 109 damaged shingles and 2/3 of the roof had broken seals the roof is 11 years old and the adjuster only wants to patch. I have appeal the last 3 roof with Allstate and they keep telling me they have come up with a new formula on how the are adjusting wind damage. has anyone else had to deal with this problem and what have you done to get them to approve for a new roof replacement.


#2

Yep. I’ve had the same issue with them.
Showed the adjuster that the shingles are old enough that the course(s) above the damaged shingles will themselves become damaged in the process.
Just took one demonstration.
Has worked the last three times


#3

I have noticed some spikes in aggressive wind requirements and stipulations with wind claims.Not too long ago you could simply have broken seal strips and a couple blow offs and have a roof bought.

Once one insurer started strengthening guidelines it seems all are starting to follow.State Farm is the first I had start this.The wind claim requirements changed from broken seals and a few blow offs to creasing,percentages of slope damage and even more strict is,the shingle that is blown off must contain a tear or uneven area where the nail was placed,anything high or circular signifies blow thru,improper installation a.k.a mechanical.

Also the nail that is still in the roof that was holding the blow off on must contain particles of the shingle under the nail head.

I am going thru the processes on a 465 sq. Commercial shingle job that was denied for wind because there isn’t any creases.

Another thing the insurers are starting to approve as a proper repair process is cleaning the seal strip on the shingles that the seal strips are broken.After cleaning the surface under the shingle and the seal strip.

Once the lap shingle underside is cleaned the insurers feel that the areas affected are now a suitable bonding surface.Adding a couple dabs of sealant will assist in the bonding process.

Also check if the shingles can actually be repaired without causing more damage to the remaining shingles.I have had quite a few approved once that decision has been reached.

If these requirements,restrictions and stipulations are within the policy language then there is little you can do.IMO that is.I am contacting the shingle manufactures directly getting a document stating whether it is or is not a recommended repair/application.


#4

[quote=“Roofmaster417”]

If these requirements,restrictions and stipulations are within the policy language then there is little you can do.[/quote]

It’s not. Very little of the BS adjusters tell you is actually in the policy.


#5

[quote=“dstew66”]

[quote=“Roofmaster417”]

If these requirements,restrictions and stipulations are within the policy language then there is little you can do.[/quote]

It’s not. Very little of the BS adjusters tell you is actually in the policy.[/quote]

Hey Dave,I am sending you my number in a p.m,call me tomorrow if you get a moment.


#6

In my experience in 3 states, Allstate is far and away the most difficult to deal with. I get nauseous every time I see that BS good hands commercial.


#7

Clearly Allstate is having one of their childish “NO, NO, NO!” tantrums that they tend to have every few years. With that said, I have the answer to the new (and clearly widespread) Allstate problem. A fellow company owner advised me that they have started taking Allstate to appraisal on every claim they deny. Each and every one of them get paid for. Then, I ran into another company owner who chuckled and said “Yeah, we have an appraisal request form just for Allstate. Haven’t lost one on appraisal yet.” A few extra minutes of work, as well as clients who are serious about the service we offer, and Allstate’s “peter pullers” (as I call them) are forking over the check.


#8

just met with all state today they have turned down all 4 roofs the adjuster for all state took out what looked like a puddie knife slide it under the tab lifted it up 3 inch and said it passed the brittle test he told all the roof he has he has done with this test only one roof has failed the test to be covered for full replacement what a bunch of jerkof there the worst


#9

If its legitimate to replace the roof use the appraisal process. Alot of time just the letter pushes them to do the right thing!


#10

I had an adjuster meeting the other day with Allstate and the adjuster wouldn’t get on the roof because he said it was to steep. He gave me his camera and had me take pictures, There were 28 damaged or missing tabs and 15 that were face nailed by the HO himself. The HO also had interior damage due to a roof leak. The adjuster looked at the pics and said he would pay for a repair. I couldn’t believe it, I asked what was needed for a full replacement and he refused to answer.

What does taking Allstate to appraisal mean? I googled it and have a good idea but I couldn’t find an appraisal template that I could send to them. Any advice?


#11

I would like to thank all who has replied to this subject. Is there anyone that can tell me where i can get the forms or who i need to contact to start the appraisal processes against Allstate for my customers in Alabama


#12

All the form needs to say is that the homeowner acknowledges that they are unsatisfied with the adjuster’s decision and they would like to invoke the appraisal clause of their policy. Furthermore, they have selected you as their third party representation.

PS, I am taking donations for “Allstate Sucks” billboards. Maybe throw some bullet points of how they do business up there, and stick one on every main highway in GA. Of course I will need to form a new LLC to do it, so they can sue away and not get a red cent. :stuck_out_tongue:


#13

[quote=“ReroofGA”]All the form needs to say is that the homeowner acknowledges that they are unsatisfied with the adjuster’s decision and they would like to invoke the appraisal clause of their policy. Furthermore, they have selected you as their third party representation.

PS, I am taking donations for “Allstate Sucks” billboards. Maybe throw some bullet points of how they do business up there, and stick one on every main highway in GA. Of course I will need to form a new LLC to do it, so they can sue away and not get a red cent. :P[/quote]

Do we fax the form into the regular 800 fax number that I send my completion statements to? Thanks for the help. I have another Allstate meeting Monday AM.


#14

[quote=“JElder”]

[quote=“ReroofGA”]All the form needs to say is that the homeowner acknowledges that they are unsatisfied with the adjuster’s decision and they would like to invoke the appraisal clause of their policy. Furthermore, they have selected you as their third party representation.

PS, I am taking donations for “Allstate Sucks” billboards. Maybe throw some bullet points of how they do business up there, and stick one on every main highway in GA. Of course I will need to form a new LLC to do it, so they can sue away and not get a red cent. :P[/quote]

Do we fax the form into the regular 800 fax number that I send my completion statements to? Thanks for the help. I have another Allstate meeting Monday AM.[/quote]

I think you should be clear on something. The HO is the party filing for appraisal. The Contractor has no legal standing aside from their relationship with the HO. The insurance policy is the contract between the HO and the Insurance Company. Contractors should tread carefully to avoid misrepresenting themselves as PA’s or Attorneys.


#15

I don’t worry about any of that crap man. The future of Liberty depends on free men living as such, even if the “laws” are bought and sold by special interest lobbies. Do what is right, no more, no less. In this case, the right thing to do is fight for homeowners who lack the knowledge and skill to fight for themselves. Luckily? I live in Georgia, and I still get to chuckle at any adjuster who accuses me of “public adjusting without a license” or “negotiating for the insured.”


#16

It’s a shame though, because there is seems to be a huge divide between the guys who do this because its a job and the guys who really believe in what we do. I deal with claims all the time where the homeowner got denied three times previously, and I come through for them and get it done. This is a “David and Goliath” thing for me, and that is why my homeowners all believe in my company the way they do.


#17

Does every roof have to be totaled? What ever happened to doing repairs? I get big repair jobs around here on a daily basis (Just did a $6,000 ridge cap only job a few months ago) because nobody wants to mess with it, unless its a whole roof.

You guys keep fighting over the Filet, and I’ll just keep eating ribs I guess. My belly is full.


#18

[quote=“Agape”]Does every roof have to be totaled? What ever happened to doing repairs? I get big repair jobs around here on a daily basis (Just did a $6,000 ridge cap only job a few months ago) because nobody wants to mess with it, unless its a whole roof.

You guys keep fighting over the Filet, and I’ll just keep eating ribs I guess. My belly is full.[/quote]

Jason, if I’m going to get dressed up, drive to the restaurant, wait in line … I’m going to have a drink, appetizer, steak & lobster and if any room left, a great dessert. You can have that Chinese Takeout all you want my friend. :smiley:


#19

I would rather do a repair instead of a whole roof replacement. A lot of contractors around me will not do a repair. GOOD. I hope it stays this way as repairs have a better profit margin for me.


#20

I agree with Authentic Dad.

The state of Texas sent out a memo to my office and I assume since it was a form letter, most every other Roofing, Siding, Remodeling company…etc… in the state. Cutting to the chase, it was a warning for listing anything that represented the company as being an insurance claim specialist or similar.
This letter was followed up with a curt call from the Texas Department of Insurance. It was to threaten us about a line on our website that said, we will meet with your adjuster to see that you receive a fair claim. Ok, I understand, but that line was buried in one of our outdated pages from 1997 that no one even knew existed. They sure found it. We removed it. We were then told that when meeting an adjuster, we were not to discuss money. We could point out damage, submit our appraisal, but not to discuss cost because we are not the insured. If we act as an adjuster for the HO, then we are to be licensed. If we act as the licensed adjuster, we cannot legally participate in the project.
Texas has some new points that surfaced during the past summer.

***nsurers cannot utilize roofers as de facto public insurance adjusters nor provide commissions to them in the form of direct or indirect payments or rebates that are in excess of amounts owed under the policy.

Insurance claims managers should take this warning to heart when developing internal claims guidelines. Insurance company and independent adjusters should not encourage illegal conduct by negotiating claims with roofers or insurance restoration contractors. At the same time, it is important for those same insurance adjusters to fully investigate claims and carefully consider roofers’ and contractors’ professional estimates and opinions. Legitimate contractors have expertise that can aid all adjusters in arriving at accurate estimates of loss.

The distinction between negotiating a loss and seeking information might be fine, but it is legally significant. The policyholder, not the contractor, has the right to negotiate the insurance claim. A roofing contractor cannot determine the rights and benefits owed to a policyholder. In fact, roofers and contractors who interpret policy language and negotiate policy benefits are acting illegally. These bulletins should be taken seriously because continued illegal activities could lead to significant civil and criminal penalties. ***