Claims Pages Building Defensible Roof Estimates and Handling Supplements Without Turning Every Contractor Into an Adversary Welcome to this month’s editorial series, “After the Hail Stops.” When the sky clears and the noise dies down, the real work begins, and for adjusters that work is rarely simple. Roofing and hail claims sit at the intersection… Continue reading After the Hail Stops and Writing a Scope That Holds Up
Category: Insurance
Damage or Just Age
Claims Pages Separating Legitimate Hail Impact From Granule Loss Blistering Foot Traffic and Manufacturing Defects An adjuster I worked with early in my career had a habit of repeating the same warning every time we pulled up to a roof. A roof will show you anything you want to see if you go up there… Continue reading Damage or Just Age
Reading the Roof Before the Roofer Does
Claims Pages A Practical Field Method for Inspecting Documenting and Distinguishing Real Hail Damage From Everything Else By the time you set your ladder against the gutter, the roof has usually already been told a story about itself. The contractor got there first. Chalk circles dot the slopes, marking every supposed hit. A few shingles… Continue reading Reading the Roof Before the Roofer Does
The Matching Problem No One Wants to Own
Claims Pages Slope Replacement Full Roof Replacement and the Matching Disputes That Decide How Far a Hail Claim Really Goes Picture a modest single-story house with a hip roof. A spring hailstorm rolls through and leaves nine bruised shingles scattered across the west-facing slope. You inspect, you document, and you conclude that the damage is… Continue reading The Matching Problem No One Wants to Own
When Replacement Cost Coverage Hits an Actual Cash Value Roadblock
Advise & Consult, Inc. A recent Third Circuit decision involving Craig Kimmel and Massachusetts Bay Insurance Company offers a cautionary lesson for policyholders, public adjusters, and coverage counsel handling property claims in New Jersey. The dispute shows how replacement cost coverage can narrow quickly when repairs have not been completed and the insured has not… Continue reading When Replacement Cost Coverage Hits an Actual Cash Value Roadblock