I have 2 claims going with the Farm Bureau in Tennessee.
The 1st. claim had a very basic scope with shingles, steep slope and pipe jacks only listed. I requested for local code requirements to be met and to add Ice and water shield, and drip edge. I also requested line item allowance for Starter &Ridgecaps.
I was told the starter & ridge caps are included in the shingle waste of 15%. 15% was added to the tear off squares, although there was no mention of ridge or starter with the shingles in the scope.
As for the Drip Edge and Ice&Water shield. I was told its not in their policy to cover those.
This was the response I received from the adjuster. With the 2nd paragraph highlighted.
Under SECTION I , we do not cover any loss resulting directly or indirectly from any of the excluded events listed below. We do not cover such loss for anyone regardless of: (a) the cause of the excluded event; or (b) other causes of the loss; or © whether other causes acted concurrently or in any sequence with the excluded event to produce the loss.
- Enforcement of an ordinance, code, or law regulating the construction, repair, renovation, or demolition of a building or other structure, except loss caused by actions of civil authorities to prevent the spread of a fire caused by a loss we insure against.
The 2nd scope had all the ridge caps and ice and water shield line item listed separately. The shingles were also listed with a 15% waste in addition to the ridge and water shield.
Both adjusters told me they would not cover and code upgrades. 1 adjuster included the ridge the other told me “it’s in the waste”. I’ve never had another insurance company refuse to pay for the minimum code requirements for the state.
How should I proceed with this? Please help.