dealing with insurance adjuster...

[Mike Landry]

Hey guys I had a question about how you would handle this.  Basically.....one of my rental properties needs a new roof due to wind damage.  The roofing company said it has "extreme" wind damage and basically said insurance wouldn't be an obstacle.  Well the insurance adjuster came out today and said that it just needs repairs in the area of $600.  

The roof is 10 years old, asphalt shingles.  Missing between 10-15 shingles scattered about.  Several more bent and damaged.  Small leak near flashing where some shingles are damaged.  

The adjuster said if I wanted he would remove the claim from my record so it doesn't show up if I wanted to pay repairs out of pocket.  He also casually mentioned he'd meet with the roofer.

I can see both sides interest but I tend to agree with the roofer. 20 year exp, has done work for my family before.

The roofer suggested getting a different adjuster to meet him out there.  Any tips with dealing with insurance companies.  This is my first claim ever for a house.

Thanks

Mike

[Tim Puffer]

If the roof is 10 years old it shouldn't need a full replacement if only 15 shingles are damaged and the flashing needs repaired. Insurance is designed to make you whole and not over indemnify you. Adjusters meet with a lot of roofing contractors and see a lot of roofs. Generally they know what they are looking and can assess damage very well. 

The roofer may be saying it needs full replacement because he wants to get paid for a full job. Have you ever seen roofers drive around and look for a bad roof and tell the owner to file a claim? It happens. Not saying this guy is like that, but there are those out there.