[VApeople]

Originally Posted by jimhoward

Do they pay for a brand new roof, or do they pay a pro rata?

In our case, our roof was 8 years old and State Farm paid for a brand new roof. We paid our deductible of $10K and State Farm paid the rest, which was $17K.

[kkingston57]

Originally Posted by jimhoward

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.

Was in the biz. Based upon your description and if the homeowners has replacement cost coverage, insurance should pay the cost of a brand new roof

[Sabella]

Exactly how old is your roof?

[star20166@yahoo.com]

Insurance adjusters are employed to protect the insurance co. and its shareholders. Hire a public adjuster who works for you. May I suggest CMG Properties Solutions Collin Graham will take over your claim and get your new roof bought by your insurance company. Call him at 407-488-5556.

Call McGinnis Builders for a new roof quote. You won't believe the price you are quoted and will be in awe of the process they use to install the new roof.
Tim McGinnis cell 352-266-9403 or the office 352-245-5651

[Nacoma]

I have State Farm and this is my recent ongoing experience. Hurricane Milton damaged my roof and roofing contractor said I needed a whole new roof. The State Farm field adjuster came looked at the roof and agreed. He stated that he would recommend full replacement in his notes and pass the information on to the desk adjuster. We should hear back from State Farm in the coming days. I didn’t, so I opened my State Farm app to look at the progress on my claim. To my surprise it stated that my claim had been closed! What? I immediately called and this nice young lady tried to help but couldn’t explain why it was closed? She reviewed all the notes from the field adjuster and nothing? She said she would try and have this field adjuster guy call me back. He did and he apologized, he said it was a mistake and he’d fix everything. He finally sends his estimate along with a check for $5,000 for partial replacement of my roof? So I call again and ask where’s the full replacement as promised? They have no explanation as to why from reviewing his notes. So I wait for a return call as asked and a week later another desk adjuster from Texas contacts me. He was very understanding and apologetic he said he’d personally take over my claim. He has been very helpful with everything. He stated they would cover everything as promised and sent a revised estimate along with another check for an additional $12,000. So we could get started. Very frustrating to say the least but thank god this fellow felt our frustration and offered to help.
But while I’m on this subject I’m also a little frustrated with the fact that my roofing company is going to charge $35,000 to replace my 4,000 square foot roof. I do know a little about building homes and the cost to replace this roof shouldn’t be more than $23,000 to $27,000. Don’t get me wrong, the roofing company has been very helpful though out this whole process. But why not it’s in their best interest if they’re going to make this kind of profit off my insurance company. We wonder why insurance companies are leaving Florida and why our premiums are so high.

[VApeople]

Originally Posted by Nacoma

I have State Farm and this is my recent ongoing experience.
.
.
a week later another desk adjuster from Texas contacts me.

Yeah, our State Farm adjusters were also from Texas. They said we needed to have our roof replaced.

[Marathon Man]

OK. So, I am reading that many people got new roofs after State Farm adjusters made inspections. Appears that the OP is not telling the whole story.

[mkjelenbaas]

Originally Posted by Chellybean

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!

Would he be classified as “not a jerk” if he agrees with you - just wondering?

[martysuki]

I have no idea the age of your house but it sounds like you should have paid for a roof way before this last storm. I paid for my roof because it needed replaced due to normal wear and tear. I am so sick of people getting a freebie and everyone else's expense! My rate with State Farm is fantastic and I hope they continue to weed out the cheap people that believe it's the insurance companies responsibility to maintain their property.

[kingofbeer]

Originally Posted by Chellybean

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!

You should have not made any repairs yourself and let the adjuster see the damages first. Same thing would hold true for any house damage. My understanding is that if 25% of the roof is damaged, they will pay to replace the roof.

[Cliff Fr]

I can't understand how an insurance company can be expected to replace worn out roofing. To me it would be like them paying to re-paint your house.

[VApeople]

Originally Posted by kingofbeer

You should have not made any repairs yourself and let the adjuster see the damages first.

Yeah, I agree for the most part.

After our roof was damaged by Milton, we paid a guy $600 to put on a nylon tarp to cover the damaged area.

Then we called State Farm.

[mrf6969]

The way I had it done was I made an appointment to have my insurance company adjuster and the roofing company I wanted and trusted on the roof at the same time for the evaluation.
This was 3 years ago and not during a time like now after a serious storm, so it was much easier to arrange.

[Shelbyh]

Originally Posted by Chellybean

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!

We experienced the same with State Farm. They denied our claim even after 2 appeals. A tornado came through and everyone in the neighborhood needed a new roof. I had to fork out 20k. I learned from roofers that the adjusters are in bed with insurance companies.

[JRcorvette]

Originally Posted by Nacoma

I have State Farm and this is my recent ongoing experience. Hurricane Milton damaged my roof and roofing contractor said I needed a whole new roof. The State Farm field adjuster came looked at the roof and agreed. He stated that he would recommend full replacement in his notes and pass the information on to the desk adjuster. We should hear back from State Farm in the coming days. I didn’t, so I opened my State Farm app to look at the progress on my claim. To my surprise it stated that my claim had been closed! What? I immediately called and this nice young lady tried to help but couldn’t explain why it was closed? She reviewed all the notes from the field adjuster and nothing? She said she would try and have this field adjuster guy call me back. He did and he apologized, he said it was a mistake and he’d fix everything. He finally sends his estimate along with a check for $5,000 for partial replacement of my roof? So I call again and ask where’s the full replacement as promised? They have no explanation as to why from reviewing his notes. So I wait for a return call as asked and a week later another desk adjuster from Texas contacts me. He was very understanding and apologetic he said he’d personally take over my claim. He has been very helpful with everything. He stated they would cover everything as promised and sent a revised estimate along with another check for an additional $12,000. So we could get started. Very frustrating to say the least but thank god this fellow felt our frustration and offered to help.
But while I’m on this subject I’m also a little frustrated with the fact that my roofing company is going to charge $35,000 to replace my 4,000 square foot roof. I do know a little about building homes and the cost to replace this roof shouldn’t be more than $23,000 to $27,000. Don’t get me wrong, the roofing company has been very helpful though out this whole process. But why not it’s in their best interest if they’re going to make this kind of profit off my insurance company. We wonder why insurance companies are leaving Florida and why our premiums are so high.

Don’t pay more than $375 per square (100sf of roofing not house size) Find another roofing company. Give Scott Smith Roofing a call. I have no connection with them but they repaired my roof (excellent job) and quoted me $375 a sq for replacement.