[quote=“Roofer Gee”]In conducting roof inspections, the hardest part (ethically speaking) is the evaluation of nail placement…**How much improper nail placement has to be present in order for the roof not to pass inspection…1, 5, 10,…100 nails? **
**Is it ideal to inspect the entire roof for proper nail placement? ** I typically spot check about 5 spots on each section of the roof (check more on larger roofs). I add up the total nails placed vs the amount installed improperly. Anything over the 90% proper nail placement; I pass.
**GTO100…What is your method? ** And 2nd question…Is there an insurance guidline that evauates a roof claim when a significant amount of improper nail placement may be the cause of a shingles blowning off in less than windy conditions?[/quote]
As you know improper nail placement is a problem. It can significantly impact the life of the roof and may very well void the wind portion of the warranty for the shingles. The level of exposure you are opening yourself up to would depend on who you are inspecting for. Are you going to be inspecting for a roofing company, insurance company as an adjuster, insurance company for underwriting, or a homeowner.
Clearly defining your process from the start will help. E and O insurance is to my knowledge usually only available to individuals that carry a license of some sort. Typically you see E and O carried by Real estate agents/ inspectors, Insurance agents/ adjusters etc. You could possibly get a bond to help with issues that could possibly come up, but it ultimately depends on who you are performing the inspections for.
As for your second question, there is possibly some back office memo floating around with regard to improper installation. As you know a homeowners insurance policy is a contract and if you read a typical policy front to back it may not even mention roof or roofing at all. The HOA policy I just reviewed does not even mention installation defects. There are many adjusters out there that are willing to sell their soul for their job. They tell lies and manipulate software and try to create doubt in the homeowners mind. They are the real problem. Ultimately, if the Insurance company writes the policy and extends coverage and accepts premium dollars for a particular type of loss without following a proper underwriting process (property inspection) and that loss occurs they should be held to a higher standard and be required Indemnify that customer. The improper nail placement is not the proximate cause of the loss. It takes more than Improper nail placement for shingles to blow off of a roof. It takes some sort of windstorm and most homeowners polices provide windstorm coverage. As I stated in an earlier post improper installation will tend to exagerate the damage. If a roof is still covered under the manufacturers warranty and if a storm rolls through the area with high winds and or hail (both of which are usually covered under the policy) some small hail hits the roof and does very little if any damage, the winds are above the manufacturers limits as stated in the warranty but there is no apparant damage and now the roof warranty is void, has the homeowner suffered a loss that should be covered under the policy. Insurance companies will say no, some might say I dont know, but people who understand would say yes.
Just use good judgement in all you do and take the time to think through your situations and you shouldn’t have many problems.
Best of luck to you.