Replies

1. 
   Svenny | Dec 30, 2009 08:22am | #1

   The insurance company will want a detailed drawing showing accurate measurements of all roof surfaces. They will compare this to the adjuster's drawing, to see if they can reconcile the difference. This may or may not involve another trip to the job site by the adjuster.

   My experience is the tear-off is paid at actual square footage, with no waste factor included. Waste factor is included the new roofing installed. Caps are geneally a separate line item not included in the shingle squares.

   We submit a simple suppliment form to the claims office, it is our own form, but you should be able to submit with a short letter or memo identified as a suppliment request.

   Hope this helps.

1. 
   Svenny | Dec 30, 2009 08:25am | #2

   As an aside:It's very
   As an aside:It's very annoying having the comment field covered over on the right side with the forum update box. anyone know how to fix this?

2. 
   Nuke | Jan 01, 2010 01:16pm | #3

   On Adjuster+12 days I finally received a fairly impressive document from my insurance company. Included was the adjuster's drawing and also what Eagle View sent them.

   No, their measurements didn't match up 100%. The insurer measured 2949 SqFt and EV measured 2929. This was just the surface area of the roof. Also, the insurer included 8% waste in their measurement, but every roof I've spoken to said 10-15%.

   BTW, insurer didn't include a starter strip, and again every roofer I spoke with said they wouldn't. Finally, while all drawings identified a portion of the roof being 12/12, there was no accommodation on the adjustment--there was for 8.5-9.5/12 and 10/12 sections.

   But, how is a homeowner suppose to deal with this when they are not a roofer? I guess its back to what I feared, which is stuck mediating between two entities regarding a trade I know nothing about.

   I wonder if this is a gump test.

1. 
   Svenny | Jan 01, 2010 01:56pm | #4

   Eagle View is not infallible, it's only as good as the data put in.

   In my case, when we take on an insurance job, we measure the roof as we would for any other job. So going in, I have a good idea if their figures and my figures match. If they don't, the adjuster is contacted and he normally asks for a copy of our sketch with dimensions and calculations. Then we hash out the discrepancy.

   Sometimes they say do the work and send us a supplement. This is a little riskier, because we don't know for sure they will honor it. In either case, I take the responsibility for the customer, because we have already signed an agreement we will do the work for insurance proceeds, plus deductible, plus upgrades, and plus wood replacement (the insurance companies don't pay for that). These costs come out of the insured's pocket.

   8% waste is minimal, suitable for a simple gable-end roof with minimal valleys. A hip roof with valleys should be be 12-15%. Starters are covered in waste factor, but hip and ridge caps should be added.

   Did your roofer agree to install the job per square? If so, you took on the liability to deal with the insurance company. Would he have given you a credit if it took fewer shingles? You need to be absolutely sure the roofer isn't padding the job any.

   Also, before the workers start the job, a careful inventory is made to make sure all materials were delivered, and the job should be supervised to insure that no materials "walk" off the job, or end up in the dumpster. These things do happen on occasion.

   In any case, the RAW square footage of the roof is a fixed entity. It can be measured to the inch if necessary and calculated. This may not be convenient, but this will not change no matter who does the calculating.

1. 
   Nuke | Jan 03, 2010 06:35am | #5

   While I was not standing outside when the adjuster came in with the packet of non-adjustment information, I was during the very brief period he was on the roof--made no measurements.

   So, unless he managed to get the measurements done and the adjustment compiled in 10-12 minutes (the time difference between the time I left him outside and the time he was ready to leave), I'm doubting he made any.

2. 
   jimAKAblue | Jan 07, 2010 02:01am | #6

   Nuke, the only reason I keep checking in on this site is to see how your situation progressed. I really wish you'd post this thread on the other sites.

   Anyways...here's what I do with supplement requests. I simply type a request in the memo section of the fax coversheet that I send with the invoice.

   So, when they see my invoice, it will state the higher number. My memo will say: "we replaced the roof and all the accessories and we needed an additional four squares to cover the roof.".

   They can come out and remeasure the roof if they want but it's really not cost effective for them.

   Regarding the adjust "not measuring" the roof. If he intended to use Eagleview, then he really wouldn't need to put a tape on it. Regarding the mutiple pitches. Eagleview calculates for them...I suppose but no one is perfect.

   When I contract, I take on all the risk and all the profit if there are discrepencies. The customers are told that if I need to supply four more squares, I will bill for the supplement and expect that they will pass on the check. If the insurance company refuses to pay, I will accept the shortfall. I have not been dissappointed.

1. 
   Nuke | Jan 09, 2010 06:19am | #7

   Jim, can you PM me and let me know specifically which other forum we are talking about?

   The Supplemental wasn't needed. My insurance company handled the business and the claim is closed and the remainder (recoverable depreciation and more) coming in a check. There was no need for a supplement as the internal adjust simply adjusted the original claim.

3. 
   jimAKAblue | Jan 11, 2010 01:25am | #8

   http://forums.delphiforums.com/breaktimeclass

   that is btclassic or something like that.

   I tried to email you but failed miserably.