Are you a policyholder, insurance restoration contractor, or public adjuster dealing with a roofing claim adjustment involving roofing shingles with State Farm? Have you asked the State Farm adjuster for the process explaining how the adjuster is handling the claim? Why wouldn’t State Farm provide and publish the honest methods it uses to adjust these claims with its customers if you asked for them? Continue Reading Are Your Roof Claims Being Properly Handled by State Farm in Good Faith? The State Farm Shingle Locator Service (aka RLS)

The Windstorm Insurance Network (Wind) is a one of a kind organization where representatives of insurers and policyholders collaborate in a professional exchange of information and learning about wind damage claims. A recent notice about flat roof claims issues caught my attention. Tara Stone is on the Wind board of directors and has organized this event. I think it is worth your attendance if you handle claims involving wind damage to flat roofs. Continue Reading Wind Damage to Flat Roofs—Prove It! – Tara Stone and The Windstorm Insurance Network Set Flat Roof Wind Damage Webinar

Quick question—what insurance defense law firm did I leave in 1985?

A recent blog, Litigating Tile Roof Claims, explains the view regarding roof litigation following Hurricane Ian from the insurance company view. The blog starts off with the typical default argument: there is no damage, and all the roof claims are fraudulent. It then notes law that arguably allows salvaged and boneyard tiles to be used:
Continue Reading Roof Claim Litigation View from Insurance Company Attorneys

Note: This guest post is by Steven Thomas. As President and Owner of Roof Leak Detection Company, Inc., Steven Thomas has evaluated over 20,000 roofing systems on commercial, industrial, and residential properties, and has been qualified in court as an expert regarding roof testing and evaluations. His company is an approved Testing Laboratory and has held this certification since 1994.

Why? The obvious reason is many homeowners and maintenance personnel do not know what to look for. That’s not a knock on them—roof damage can be very obvious or subtle.
Continue Reading Hire A Professional to Inspect Your Roof Following Hurricanes or Severe Weather Events

Florida’s 25% roofing rule is gone. The insurance lobby convinced Florida legislators to stop following good roofing construction practices this past summer. The newly passed legislation in Florida’s special session may allow insurance companies to patch rather than replace significant portions of your hurricane-damaged roof. Previously, if a roof was damaged more than 25%, it had to be replaced.
Continue Reading Roof Damage From Hurricane Ian? Understand Florida’s New Roofing Law

A significant adjustment debate is often the availability of reasonably comparable shingles. The typical disagreement arises when a shingle is no longer manufactured or does not match existing shingles on a damaged roof. The insurer will investigate. It then makes a payment based on a finding that comparable shingles exist and can be used to repair the damage. The insurer does not invoke the right to repair.
Continue Reading The Reasonably Comparable Shingle Debate