Statefarm Roof adjuster are a joke
 

Statefarm Roof adjuster
What a joke these adjusters are. This jerk was on the roof with my husband and a licensed roofer. After 15 minutes the adjuster goes Oh everything looks great on the roof! My Husband goes are you kidding me! We had 5 licensed roofers giving us quotes and my husband spent 9 hours on the roof replacing shingles and 4 cases of Tar chalk to seal down all the lose shingles and caps. The roofer Almost lost his mind with that comment including my Hauband. The roof is loaded with tar repairs and can be easliy seen from the ground, both my husband and roofer began video tapeing the adjuster which changed his attitude in a hurry and then the adjuster spent another 45 minutes inspecting all the unsealed shingles and marking them with chalk. What a joke this guy was, drove 1.5 hours and was a 20 year adjuster with stateFarm and a catastrophe adjuster flying aroud US where the storms are.
People don't let these Jerks get away with this, i know we will have to push for a attorney to make this right, ughhhh what unbelievable!

Our State Farm adjusters were great.

Our roof was damaged by hurricane Milton. The State Farm inspectors checked our roof and said it needed to be replaced.

They gave us a list of roofing companies they recommended, including Eustis Roofing. I have always liked the town of Eustis because I won a junior golf tournament there in 1962 and it led to me being offered a scholarship to the University of Florida.

Eustis Roofing said it would cost $27K for a new roof and State Farm accepted that price. We had our roof replaced a couple days ago and State Farm paid that price, minus a deductible that we paid.

Is $27K an average replacement cost here? Just recently relocated. That is significantly more than where I am from with comparable size houses.

Our house is a Laurel Oak model built in 2016. I think it was the largest Designer model home at that time. In those days, you were able to 'stretch' homes, so I am sure other Designer homes are larger than ours.

Sounds about right. My Midwest two story home was done a year ago at $20K.

Than you were very lucky, State farm is one of the worst ones to deal with, and this comes from 6 local roofing companies. This is why most of these roofing companies have attorneys on board. 8 roofs have been done in my neighborhood and everyone had to fight the insurance company with a attorney.

Average? Roofs are estimated based upon price per square(100 square feet) and roofs before the storm cost about $600 a square(full price)

8 roofs in one neighborhood. We had none in our neighborhood. Roofing company has an attorney? Sounds questionable to me and I was in the business. Under new Florida laws homeowner would need to hire the attorney not the roofer. Before the new laws homeowner would assign claim over to the roofer and roofer would have to hire the attorney.

I’ve made a note to disregard any post by chellybean as false and just likes to complain without facts. I like facts.

Well said.

You can not go by the cost of someone else’s roof. You need to need to know how many squares (100sf=1sq) of roofing you have. Add for ridge and starter row and waste (about 10%). Don’t pay more than $375 a square for an architectural 30 year shingle typical in the Villages.

Over 36 years as a property adjuster and all I can say is sometimes you get a good one and sometimes not. I was always fair and honest and treated people how I would expect to be treated. I hated to tell someone that something just was not covered and I could not recommend paying for something that was excluded in the policy. I see all these huge tarps on roofs and don’t know how the adjuster is going to make an assessment of damage they can not see. Most homes only got spot damage that is easily repairable. My roof had about 4 or 5 areas of damage and it was repaired for $1200. It took the guy a few hours because he knew what he was doing and how to properly repair a roof. Send me a note if you want the name of the roofing company.

How does insurance work if you have an older patched-up roof, and then a storm comes through and damages it further so you need a new roof?

Do they pay for a brand new roof, or do they pay a pro rata? I was wondering because the OP was mentioning existing tar repairs.

Look at your policy, or ask your insurance company, your coverage may be very different from mine. I would guess the replacement would be prorated, in any case insurance does not cover normal wear and tear on a roof.

It's a game between you and the insurance company - see who blinks first - what do they have to lose?