Hi everybody! This is Tracy Bookman owner of Homestead Roofing and welcome to
today's Tuesday tip. Today we're going to talk about what to do if your adjuster
denies your claim.
So recently we did a video on what to do if your adjuster uses a drone and denies
your claim, but this video is going to deal with what if you have an adjuster
who doesn't use a drone but he actually gets up on your roof and he still denies
your claim. Especially what do you do if you've been
working with a roofing contractor who has told you you do have hail damage but
the adjuster disagrees with him. The reason that we're bringing this up is
because we've had two of these situations show up just in the last two
weeks and I believe that the adjuster was wrong. Now on that video about drones
and denied claims which we'll link to at the end of this video
we actually got a pretty good comment from Matt over at adjuster TV I highly
recommend checking out his channel. As an independent cat adjuster. Cat means
catastrophe adjuster has an independent catalyst or to add an insurance company
perspective to this video I will say a couple things. It's fine to request the
second inspection or reinspection as we call it customers are absolutely
entitled to this however unless there was some kind of poor customer service
situation most carriers aren't going to honor a request for a new adjuster. The
reason the insurance company will likely view requesting a new adjuster as an
attempt to get a second opinion from the same company.
In other words hey let's keep trying adjusters until we get what we want. In
theory all adjusters at a company are trained to the same standard in
estimating guidelines. So again in theory, the outcome should be the same. Matt
thanks for that comment. I love your channel I've watched several of your
videos and I really like your presentation although I do have to
respectfully disagree with you on this particular point. We have had situations
in the past where we recommended to a customer that they file an insurance
claim because of damage the insurance company has sent out either a staff
adjuster or a cat adjuster but the claim has been denied and these have been roofs
that have actual damages on them they're not they haven't been borderline cases
or anything like that. So we have instructed the homeowner to call the
insurance company and request the reinspection and to always ask for a
different adjuster. To illustrate why this is so important
we had one claim where the hail damage was really pretty obvious and when I
talked to the adjuster that got assigned to do the second inspection I actually
met him out at the roof we got up on the roof and his most telling comment to me
was, what was this first guy thinking? When he got up there there was no question he
saw that there was hail damage and in fact a lot of the hits were about an
inch and a half actually on the shingle. So we have had actually pretty good
success having customers call their insurance company and asking for a reinspection
and having the first adjusters decision on that get overturned. So Matt
again I really appreciate your comment and your perspective coming from an
insurance adjusters side is really pretty valuable however I do have to
respectfully disagree. If you have a situation where you've had an adjuster
get up on your roof and say that you don't have hail damage all is not lost
there is still possibility as long as there really is damaged as long as a
roofing contractor has seen that damage really does exist. Now if there's no
damage then Matt's point is really well taken. An insurance company could see
that as let's just keep rolling the dice until we get an adjuster who agrees with
us or who is generous enough that he's going to buy this claim and I would
strongly disagree with taking that approach if there's no hail damage.
However, if you've got any questions about this please give us a call right
up here at our phone number 719.433.6991
you can also visit our website right down here
HomesteadRoofingColorado.com. We've got a ton of information out there lots of
other videos for you lots of education for homeowners if this video has been
helpful for you I hope that you're going to leave us a thumbs up and leave a
comment down in the comment section below let us know what kind of videos
you'd like us to see or if you've got questions or situations that you'd like
us to address let us know that, and we'll get a video out about your
question. Please be sure to subscribe to our channel and click the bell icon up
there so that way you get notified when we've got new videos and until our next
Tuesday tip, I'm Tracey Bookman owner of Homestead Roofing.