Roof damage is the most common and most contested adjustment experience. This video went viral. From talking to many restoration contractors and public adjusters, unfortunately the events in this video are repeated more often than not.
Please take the time to read through the comments section. There are a number of former adjusters who write about the field adjuster simply having to follow orders from claims management. For example:
I was a State Farm adjuster for 12 years, unlike many of the other adjusters I came from a roofing background, unfortunately Jeff is just the messenger, I would end up in the same positions where the decision has already been made by some d-bag sitting behind a desks that know nothing about construction and it is almost impossible to get them to change their minds. I was 100% on the customer’s side and willing to fight for them but could never get management to agree and change the decision they had already made even with proper documentation and knowledge of roofing systems they would still deny them then you get trouble from middle management for to waste upper management’s time. That’s why I quit, I was tired of the big company making millions and scamming the little guy and letting me be their punching bag. Agree 100% that the roof cannot be repaired.
Insurance companies absolutely do not have to pay for the entire replacement of a roof just because the restoration contractor says so. However, they must honestly explain the real reasons for the disagreement and be able to support them.
Policyholders do not buy insurance so their claim must be taken to court to get paid. But the scenario above is becoming much more common and a reason for the increase in lawsuits.
The best time to repair the roof is when the sun is shining.
—Brad D. Smith