As a contractor one must always remember. The Insurance companies are only experts on Policy not Construction. You can combine all the Insurance CEO's in America and they have zero knowledge when it comes to roofing just like the adjusters and 3rd parties they send out. No 50 yr Corporation has the knowledge of a 1 yr tradesmen in any field this also applies to engineers. The only thing thst matters in the claims process is not what Insurance Companies say not what a engineer firm says it's what the contractor says in accordance with state legislation, codes and manufacturers specs. Public Adjusters are great for the back and forth BS then the ace in the hole is a lawsuit by a attorney. Insurance companies start back peddling as soon as suit is filed. Educate you're homeowners on PA's and filing suit as soon as you have the original denial.
Helpful info. I think it's kind of bs tho if a homeowner has legitimate/honest claims. It's not their fault if hail damage or storm damage occurred to them. Isn't that what insurance is for. In case shit happens. It's like the insurance companies count things that are not in your control as a homeowner, against you. Which does not sound fair and seems one sided. I know there are ppl out there making illegitimate claims and trying to commit insurance fraud, they screw it up for everyone else. However, for honest hardworking people, I don't think this is the case.
i don't think this is the right person to ask the question to be honest. insurance agent's roll in not to determine the rate hikes due to hail claim. what do you guys think
What is the purpose of insurance any more, if not to cover damage, especially when it’s out of the homeowners control? Hail damage after 10 years of never missing a payment. Fine, new roof but we’re going to raise your rates to get that money back. 😤
If merely inquiring about whether the policy you're paying for will cover an issue in your home raises your rates, then the industry or the company raising rates is a toxic organization.
I think you may have misunderstood the content of what was said. I'm sorry if we weren't clear about that. Inquiring about something like that should not be a reason for your rates to increase. Check with your insurance company.
Here is how you screw those greedy unfair insurance agencies. Pay for the storm/wind storm resistant shingles when your roof is damaged. You can go along long time without needing coverage or filing claims from then on.
just a question is is this person in a position to make decisions on insurance rates going up in a farmers insurance ? he looks like an agent of farmers. not in claims department of farmers
This doesnt sound right. At least it is contrary to what my Allstate agent tells me here in TX. Acts of God such as wind or hail. Do not directly affect ur insurance. At least thats what they tell you. And it is against the law to cancel or not renew based on wind or hail claims.
So filing casualty loss claims not only follow me, Like the 10/2019 EF3 Tornado that absolutely DESTROYED our condo, (Which STILL as of 01/2024 have not been rebuilt). Or the several hail storms in 2023 (May, June, with a final 2.25” Hail storm TWICE on 9/24/2023) Which ruined the 10 year old roof on the 1/2 duplex that we bought since our condo still haven’t been rebuilt? Due to no fault of myself: no leaving my doors unlocked no one stealing anything that I owned no stupid claims like that I’m still gonna be penalized for casualty loss weather events beyond my ability to control or protect from? Phooey on this insurance hooey and Bullshite of a thimble-rig 3-Card Monty insurance game. Insurance company’s: having your cake & eating it too…🤦♂️
Also if you have a 15 year old roof here in florida, plan on getting a non renewal letter before your next policy renewal.
Florida is a crazy place for home insurance!!
As a contractor one must always remember. The Insurance companies are only experts on Policy not Construction. You can combine all the Insurance CEO's in America and they have zero knowledge when it comes to roofing just like the adjusters and 3rd parties they send out. No 50 yr Corporation has the knowledge of a 1 yr tradesmen in any field this also applies to engineers. The only thing thst matters in the claims process is not what Insurance Companies say not what a engineer firm says it's what the contractor says in accordance with state legislation, codes and manufacturers specs. Public Adjusters are great for the back and forth BS then the ace in the hole is a lawsuit by a attorney. Insurance companies start back peddling as soon as suit is filed. Educate you're homeowners on PA's and filing suit as soon as you have the original denial.
True!
IC's also start back-peddling as soon as the word, "Appraisal" comes up .
Helpful info. I think it's kind of bs tho if a homeowner has legitimate/honest claims. It's not their fault if hail damage or storm damage occurred to them. Isn't that what insurance is for. In case shit happens. It's like the insurance companies count things that are not in your control as a homeowner, against you. Which does not sound fair and seems one sided.
I know there are ppl out there making illegitimate claims and trying to commit insurance fraud, they screw it up for everyone else. However, for honest hardworking people, I don't think this is the case.
i don't think this is the right person to ask the question to be honest. insurance agent's roll in not to determine the rate hikes due to hail claim. what do you guys think
You file a claim home, auto, or live in certain zone, if your lucky the premium will double. Nowaday, a non-renewal notice in the mail.
What is the purpose of insurance any more, if not to cover damage, especially when it’s out of the homeowners control? Hail damage after 10 years of never missing a payment. Fine, new roof but we’re going to raise your rates to get that money back. 😤
If merely inquiring about whether the policy you're paying for will cover an issue in your home raises your rates, then the industry or the company raising rates is a toxic organization.
I think you may have misunderstood the content of what was said. I'm sorry if we weren't clear about that.
Inquiring about something like that should not be a reason for your rates to increase. Check with your insurance company.
@@homesteadroofing Will do, thank you
By inquiring do you mean making a claim due to expected storm damage?
Here is how you screw those greedy unfair insurance agencies.
Pay for the storm/wind storm resistant shingles when your roof is damaged. You can go along long time without needing coverage or filing claims from then on.
just a question is is this person in a position to make decisions on insurance rates going up in a farmers insurance ? he looks like an agent of farmers. not in claims department of farmers
He is an agent.
This doesnt sound right. At least it is contrary to what my Allstate agent tells me here in TX. Acts of God such as wind or hail. Do not directly affect ur insurance. At least thats what they tell you. And it is against the law to cancel or not renew based on wind or hail claims.
You've made a key point...
"At least thats what they tell you..."
So filing casualty loss claims not only follow me,
Like the 10/2019 EF3 Tornado that absolutely DESTROYED our condo,
(Which STILL as of 01/2024 have not been rebuilt).
Or the several hail storms in 2023 (May, June, with a final 2.25” Hail storm TWICE on 9/24/2023) Which ruined the 10 year old roof on the 1/2 duplex that we bought since our condo still haven’t been rebuilt?
Due to no fault of myself: no leaving my doors unlocked no one stealing anything that I owned no stupid claims like that I’m still gonna be penalized for casualty loss weather events beyond my ability to control or protect from?
Phooey on this insurance hooey and Bullshite of a thimble-rig 3-Card Monty insurance game.
Insurance company’s: having your cake & eating it too…🤦♂️
Isn’t this decided by state?
Good question. I'm not in the insurance industry so I don't know the answer to that question.
Stirring up views
Meaning... ?
This looks like a pre-written script. The guy answering questions looks fine. Could be more professional. But there is an agenda here.
"Could be more professional."
😂😂😂