He left quick when he realized he was being recorded because NOW HE HAS TO LIVE UP TO HIS WORDS OR GO TO JAIL FOR INSURANCE FRAUD!!!!!!! Yes adjusters must fallow the law too
Geeze, yeah, if you are insurance adjuster you are in a veritable Iron Maiden of laws and regulations. If your adjuster is shitty all you have to do (lawfully) is whimper and he gets fined and may face jail time. I dont understand how people don't know how regulated and controlled insurance is. It's not the f-ing wild west. My first time in the field was Hurricane Harvey. I was working a claim when I saw the insureds Liquor collection. They had a Patron suitcase and I remarked "Wow, thats cool I didnt know Patron made a suitcase" they insisted I take it home because they didnt want it. I was terrified they would use it against me if their claim was denied. Which, it wouldnt have been because it was hurricane friggin Harvey. The issue is that people think adjusters are able to lie, and cheat the system, and deny claims at their liesure and that's just not the way it works. We could go to jail for S I M P LY B E I N G D I S H O N E S T. If a contractor is dishonest they have far more legal wiggle room than an insurance professional and if they tell you that's incorrect it's simply because they aren't educated in how the insurance industry works. (I say all of this knowing full well you wont believe me). Yet there is this general "Understanding" that you cant trust your adjuster lol, Nah fam, your adjuster is scared to fuck up. Wherever you learned that you need to believe that the adjuster is the enemy is lying to you. The more you get, the more we succeed. I have had entire claims denied and I make a FRACTION of the wages than if the damages were covered. If You're roof costs 12 grand to replace, and youre flooring was damaged, and your kitchenette and your entertainment center was damaged, and the underlaiment needs to be replaced I get a percentage (bracketed) of that total. Take my word for it ( in a catastrophe situation) if anyone tells you otherwise you can be assured they dont know what they are talking about.
Watching these insurance adjusters scamming has quickly become my new favorite passtime. Gotta say almost every video is also State Farm so that’s something to take note of. My grandparents had their own insurance company for many years and my grandma said a lot of their customers came from State Farm after having horrible experiences. Scamfarm is the term gma uses 😂
Your insurance agent will tell you not to worry, they will take care of everything. Then these adjusters show up and DENY DENY DENY, and explain how they aren't responsible for covering damage because of reasons you don't understand. Ask me how I know.
@@dc2979 Well, I can say that when an adjuster says "I can't advise you on coverage" is because they are only there to write an estimate on damages (in a CATastrophe situation) It's hard for adjusters because homeowners want answers and information. The hard truth is that your adjuster (depending on the company) cant tell you "Yeah we'll replace your roof." Because (Secret) if an adjuster tells you they will cover something, the company HAS TO COVER IT. There are stipulations. If the crew that put your roof on before a storm, did a shitty job, the INS co. IS NOT responsible because that is poor workmanship liable by the roofing company. A storm came through, the half assed job by the roofing company should have protected your home, but because of their negligence you ended up with a leaking home and damaged property. An insurance policy is not a get out of BS card. Choose your contractors wisely. Perhaps the issue is that homeowners fail to understand how insurance works. For example, if you replace your toilet, and the plumbing you put in place ruins your bathroom, thats YOUR fault and the insurance company is not required to cover it...that's not what insurance is for. All that being said, in the INS Industry, there is a stigma, that agents don't always do the best job. They want to sell you a policy and their success is contingent upon it. Your agent is responsible for your policy and the details therein. KNow your policy and know what you are buying and how it works. If I buy a new vacuum cleaner off of wish.com and it doesnt work, I cant blame wish, I was the one choosing the worst route and a risky source. Be careful.
I had a boat fire last summer they paid off with just pictures I sent them and never even came out to my house to look At the boat. They even paid me $1,200 to fix the damage. So it must be just a roof thing.
@@atheisticallysound Everyone would like their 20 plus year old replaced for mostly free. You and I know that isn't how insurance works. The roof here is done for. How much the insurance is responsible to cover is the huge question.
Both parties are supposed to use their own ladders. Since the roofer used the adjusters ladder he was telling him he had broken a known rule. What really happened here is the roofer was trying to switch the storm date from April to July. The adjuster said this had already been inspected. Meaning they had photos of all this damage way back in April but that would have been outside of 1 year to be able to file a claim for that date. So he was trying to use a new date that fell within the 1 year mark. Truthfully this roofer is unprofessional and is just your typical door knocker. The adjuster is also unprofessional. But this video is filmed in a bias way it doesn’t tell the whole truth.
@@pinkley22 No... What usually happens is the home owner either tells the insurance company the wrong date or the adjuster puts down the wrong date. Either way it can be changed as long as the date does not post date the inspection date. Nor was this 1 year after the date of the storm, thats totally made up. State Farm I deal with ALOT, lucky for me I know most of the adjusters since we do not chase storms and cover one state, but out of state adjusters do try this BS every single time. Oh.. fried shingle, 400 repairs? He here a repair estimate your shit out of luck. Then you gota waste time fighting it, finally get it do the roof then the owner drops State farm because they are corrupt as shit.
Haha well the Adjuster was still nicer than me. I'd have turned around and asked if he had his own ladder in the very beginning. I've heard of people being left on a roof, I mostly prefer everyone use their own ladders. I've let maybe 2 or 3 people use my ladders. That was after a good maybe 20 hours with each individual. The slope on this roof isn't too too bad, but I also make it clear I don't want people walking above or parallel to me. When a person starts falling natural instinct kicks in, and I dont want to be pulled off a roof or pull anyone off a roof.
“You’re trying to be shady” yet thinks that running away when filmed having a genuine professional interaction on camera isn’t. 😂 that’s State Farm for you. Toooons of videos out there like this and all from Scam Farm. Who’s shady? 🧐🤨
@@havok9001 No reason for the home owner to pre warm that adjuster he was recording anything. The adjuster left after knowing he was recorded because he knew the owner now had proof of wrong doing by him.
Yeah that was sketchy as fuck when he said that like bro nothing shady at all about recording unless you are up to no good. Just give them the fucking money to get the roof fix end of discussion
"It's not storm damage right" Yeah I ain't telling you a thing. You give your report and I have my own evidence that you are full of it. I am not telling you. Guy wants the roofer to agree and he just keeps his cool. Good videos buddy
Ahh good ol State farm.. a lot of ppl think they have a good rep from all the commercials and marketing but its good to see the truth being put out there. 🤣🤣 why when they find out that they're recorded they bail? This dude hopped off the ladder real quick.
He did convince a homeowner to file a claim on a storm in April but is trying to pass storm damage in July off as evidence. That’s fraudulent. Then trying to make someone else out as a scammer. It’s wild
The last one I watched the gentleman roofer had the hardest time with the insurance inspector about a nail. The gentleman done a great job not jumping.
Independent adjusters have little to no authority. If the insurance company is slow, an independent adjuster situation could prolong the claim for months. Especially during major events when the phone adjusters for the insurance company are overwhelmed. Independent adjuster reports will take months before they are reviewed and if there is a question or dispute it will take even longer. At least company adjusters have authority and could theoretically settle on the spot of enough information is available. Just need a good insurance company.
@@gregsteed870 The problem is 9/10 times in-house they try every way to not pay out. They probably get a commission as a percentage of each claim they successfully deny.
@@gregsteed870 As an independent working cat claims for StateFarm and many other carriers, I was encouraged to settle on site during the initial inspection anything within my 25K authority. Beyond that limit I could usually have an approval within 24 hrs. The major problem with independent adjusters on large cat is that the majority have little to no experience. Ive been on so many deployments were I would ask other adjuster about there experience and so many have no construction knowledge and never even been on a ladder. Its too easy to become and idependent adjuster.
@@gregsteed870 Not true. I inspect and upload my report and estimate the same day. Staff adjusters usually have a stack of claims on their desk that get little to no attention because of the high work load that just follows you in the office enviroment. Independent adjusters do not slow the process down at all. I've been both a staff adjuster and now an independent adjuster and as a staff adjuster I looked forward to receiving the independent adjuster's report because the hard work was done for me and in most cases I could move them off my desk much quicker...and especially so during hurricane events. And your statement about the majority of independent adjusters on Cat claims have little to no experience is just plain uninformed. Good adjusting firms weed out the inexperienced adjusters pretty quickly. Perhaps the adjusting firm you worked for hired inexperienced adjusters but I find that to not be the case with the firms I run for. Yes, it is easy to get an adjuster license but much harder to be deployed if you have no experience. It can take 3 years to really get established as an adjuster because most adjusting firms will not consider you experienced enough to handle a large claim volume.
NOTHING shady about home owner recording it. I have done same when i had roof damage that the adjuster lied about. I won my case and got a full roof replacement after letting the insurance company know i gave the recording to may attorney to submit as an exhibit.
Out of all these "adjuster tries to scam us" videos I've seen, every single one has been State Farm. You'd think after awhile they'd realize being shady is gonna lose them customers and they'll end up losing more money than if they'd just be honest and pay the claims like they should. If I've learned anything from all these videos, I'll never even ask for a quote from State Farm. I've had progressive for over a decade and they've been amazing both on my cars and my home. Had some hail come through last year. Didn't see any damage at first, but then had 3 contractors come over and take a look and they all found some damage totaling ~$4k-$5k worth of repairs. Progressive's adjuster came out and said "reside the whole house, reroof the whole house, replace both sheds, replace garage doors, replace the gutters, replace 4 windows, repaint the garage (1400sqft detached garage) and give the customer a week in a hotel". What we expected to be $4k turned into a $46k settlement off an $850/yr policy premium. THAT is how you make lifelong customers that'll recommend your company to everyone they can. State Farm's motto is "like a good neighbor, State Farm is there"... I'm starting to realize what State Farm thinks "good neighbor" means is "the local HOA president Karen who 'helps you out' by reporting every single violation she can find, refusing to uphold the HOA's end of the deal, and blaming you when the HOA maintenance guy backs into your car".
just dealt with a nightmare with progressive (15 year emerald policy holder), they dont do on sight adjustment and their stuff is so messed up, im moving to geico. they are really good.
I'm glad to hear you had a good experience. Some insureds will have a 400/yr premium on a Condo and get a 30k settlement from us and still be barking at us to upgrade the flooring. Like you been with us 2 years. We just paid for your premium for like the next 60+ years.
If the guy is that worried about a simple recording, Im betting he is the one who does the scams, like under reporting the loss to the insurance company which is what they hire guys like this to do.
It’s just common courtesy to let someone know you are filming them. I wouldn’t let someone film me. It’s my preference. It’s not a matter of trying to hide something or being shady.
@@redcell9636 you’re missing my point. I’m not saying he can’t record. I’m saying he shouldn’t. Of course I can’t stop anyone from doing what they want to do, but I don’t have to stay there and be subjected to it. Also, you are seriously misinformed if you think adjusters get some type of incentive to under report (your words) a loss.
I'd have to go back and re-watch. I only remember him mentioning one hole and I think he said it was soft and there was no felt. There didn't appear to be any reason to believe that it was caused by storm damage, I didn't see a close up on it or anything. From a spectator role, kinda is hard to tell. Regardless. With all the wind damage shingles on the slope, I'd probably try to push for it being "storm related" so I could slope out the side. Considering they didn't go to the other slope, it almost looks like the wind damage was isolated to the one side. Would love to see a full home inspection to see if any siding was damaged.
This roof clearly has MASSIVE wind damage. Definitely a bona fide claim. So sad to see Scam Farm try to wiggle out of their responsibility to their customer. Don't see what the problem is with recording - you're on the customer's property and they want a record of what happened from the roofer. The roofer didn't even show the Scam Farm adjuster's face.
Oh yeah. Just the sound of it and seeing how the Adjuster was walking on it gave me anxiety. But I know people really stand by their athletic footwear, I've just never had a good experience on roofs with them.
Fr tho once the grit gets like that I honestly don't think it matters what type of shoe or boot you wear. Not sure anything grips thousands of mini marbles too well
I think that it's funny every time one of these adjusters is caught getting filmed they leave. Not only that on his way off he walked all over the ridgvent creating damage as the nails pull out. They may not pull out far but it will create a problem in the future. Your not suppose to walk on the ridgvents bud, I install tones of new ridgvents a year for what I do and i would never allow that to happen. I think the insurance world are the shady ones. People pay all these premiums on time and still get denied when they need to use it and to that I say ridiculous. Also if he was doing his job right and on the up and up he wouldn't have to worrie about saying something he wasn't suppose to on camera.
One thing that bothers me as an insurance adjuster, first and foremost in this case is how un educated this adjuster seems and how any video like this seems to be allstate or statefarm. But the real thing is this general air of "Don't trust adjusters or insurance companies." I can't speak for my company at large but I can tell you I do my best to record everything and make sure you get everything you are owed for your loss. One thing people don't understand is that adjusters get payed more for more damage reported. If your house is worth 300k and I report a TL. Then I get a percentage of what your policy covers on your loss. I'm not going to report that an unlivable home is fine, firstly when I know the insured has to live in it and secondly it behooves me morally and financially to be accurate. The idea that Adjusters are trying to scam you on behalf of the company is flat stupid, because I get paid more to replace your whole roof, underlaiment, felt, shingles boots, flashing etc than to just report 1 damaged square. This isn't adjusters being scammers, this is adjusters being undereducated and lazy. Remember that next time you have an adjuster. Granted a good adjusters job is to determine whether damage was caused from the reported loss. If you tell me your garage door was damaged in the tornado but I can see the damage existed in 2012 from google street view, I'm not putting that on the claim. Maybe I'm just one of the good ones. Granted I have caught insured homeowners trying to scam the company multiple times. This idea that the homeowner would never do such a thing is laughable too. I had one homeowner send in pictures of damage after Hurricane Laura, that were allegedly his home, but he had no clue that his iphone recorded the coords of where the pictures were taken MILES away. Kinda weird when you're like "Hey, this picture of your home shows ridge vents and....well your house doesnt have them.
I'm glad someone said it! I appreciate you bringing knowledge to the comment section. Sometime it's really just about how much you know! Besides that I'm hoping insurance companies will move away from hourly pay. Because component is were it's at! Thanks again!
@@ericrhodesbusiness Yeah. I mean component pay really does motivate an Adjuster to find damage. Hourly and day rate seems to inspire laziness, or a bare minimum attitude. Plus being W2 on a storm sucks. Lol I like my tax deductions.
@@rockyalliston1122 A lot of independent adjusters on fee are very detailed and thorough and seem to be more comprehensive than the day-rate cat adjusters, especially at the some of the carriers I won't name. Desk adjusters and staff field adjusters can go either way as well. I have good luck with a lot of people with great personality and work ethic, some absolute super star adjusters and supervisors. District managers of the highest and lowest caliber. Certain carriers, guidelines and people give adjusters a bad name but in general a very good group of folks. Also the newbies on cat claims cause some obvious issues.
The adjuster's are absolutely trying to short pay claims. Every major carrier has a set of internal guidelines they have to follow for estimating that specifically omits certain line items in the estimate. The adjuster's are then graded on whether or not they follow those guidelines. If they don't they are written up and fired. This prejudices their ability to fairly adjust each claim on their own individual merit. This type of "shady" practice is why people should never trust their insurance company. These videos also show how inept most of the adjuster's really are. They have little to no construction back ground and don't know how to actually repair anything, yet they are the same ones who think they are somehow qualified to determine if something is repairable. It would be like having a someone with no IT background or qualifications tell you that your computer cannot be fixed. Not to mention getting your adjusters license is a complete joke of a class and does not actually train or ensure anyone is qualified to do the job.
Yep they do know their shit most of the time but that's not the problem. The problem is that they turn around and lie on their report for the insurance companies so that they don't pay out. In turn the insurance companies keep calling them and giving them kickbacks. But when they are recorded if they lie on the report they can get charged and potentially go to prison for lying on an insurance report which is considered insurance fraud.
That inspector, has 0% idea what he is talking about, but he talks about it with the authority of a seasoned veteran. I doubt he has ever put shingles on any structure, but he talks with the confidence of a roofer about to retire. That is an issue.
Wonder what the life span is of these adjusters walking around on a roof and taking photos. Like a good neighbor...State Farm is there (then gone after being video'd). If it comes down to money who can you trust? If they can find anything that was there preceding the actual damage they will use that to deny. Perfection doesn't exist except at State Farm.
Wooow State farm adjuster and State farm are scammers. They don't like to be recorded because they be lying on their claim. Smh now I know who to watch out for. Since I just started as a sales roofing guy.
It's not being afraid. He literally said it how he felt at the end. Its understandable, put yourself in his shoes, not literally though, because I wouldn't want you on a roof in his shoes. Luckily both the contractor and Adjuster seem very respectable. I'd work with either one just based on this short video. Adjusters can get NFA'd (No Future Assignments) just for saying the wrong thing. Imagine having a 6 month investigation on yourself and not being able to work because a contractor was pissed at you, clipped a video out of context and sent it in. Possibilities are endless. Some states actually require 2 person consent. I wont call all contractors assholes, so let's not assume all Adjusters are snakes.
@@rockyalliston1122 seemed like he was just getting ready to say "its gonna be real hard to get them to go.... Are you recording me?" -what was he getting ready to say?
Snake Farm is what we like to call them. Anyone who has State Farm or anything with farm in the name you better change companies immediately. They will not cover your house
I could be wrong but it looks far from from finished. Nails showing. If I'm unaware of something. I would just like to know. The agent definitely sounded shady when he found out he was being recorded. Hella red flags.
These videos are kinda stupid. Not sure what they’re trying to prove, but insurance is not there to give you a new roof after failing to maintain your current roof and suffering wind damage. If anything insurance is only there to get it back to the state it was in before the damage occurred, which would still be a 10+ year old shingle. I’m a roofer and I’ve been prop and casualty insurance agent. Just wondering what these videos are supposed to be proving?
Guy doesn't realize that wind damage is sometimes a gradual process. He has no business in this business. Might as well ask a stock trader how to build a deck. SMH.
I think that would have depended on if it was his ladder or the roofers. If it was the insurance guy than yes. If you're smart alway use your OWN ladder.
Don't step on ridge. You don't know if it's a truss roof with no ridge board running between your rafters or stick-built roof that has a ridge-board. That, and you don't want to crease,bend,fold,crack or otherwise damage your ridge-cap.
lmao I like how he brought up the shoes the ruffers were possibly wearing while he has running shoes on.. EVEN better is when he realized he's being recorded and decides too gtfo. Priceless
Anytime i see a patch job, I run... plenty of work out there insurance loves seeing repairs... homeowner should have fought harder the first time. Not to mention your date of loss was before the "tornado".
Good old SF….always making excuses for storm damage. They must have installed with golf shoes on! 😂 I’m 8-0 against State Farm on appraisals the last 18 months.
People still do closed valleys? /facepalm.. No underlayment under the shingles? /doublefacepalm Nails higher than the tar line and no doubles per tab on a three tab shingle? /epicfacepalm The poor nailing alone confirms the damage and it's severity, as well as the potential for even more damage should a high wind situation ever come around those parts again.. And the repairs previously made on the roof only echo this statement! How are your nail heads supposed to be sealed when you nail above or below the tar lines? Answer: They can't! How are your shingles supposed to be held down when you're nailing 1 1/2 inches above the tar line, thereby giving more leverage for wind to come under, and rip off the shingles? Answer: They won't! How can you assure that individual tabs of a three tab shingle stay on a roof when only 4 nails per three tab shingles are placed? Answer: You can't! How can you assure that shingles won't leak through nail placements if you don't make sure you have an 1 1/2 inch space between shingle seems, and your edge nails? Answer: You can't! This roof was poorly done to begin with! As a roofer, I'd be ashamed if this was my handy work.. -.- .. I won't fault an adjuster for not wanting to cover a piss poorly installed roof. Make the roofer re-do at their cost, and represent the home owner in court while doing it! This was horrible to look at! I mean, how is an adjuster supposed to look at this? The instructions are clear and cut on the back end of EVERY pack of shingles that you can buy! There is legit NO reason for any of these faults to be present, unless the mentality of the roofer is something akin to "I've been doing this for blah blah blah years.. I know wtf I'm doing!"... /facepalm.. If I've learned anything in my time on roofs, or trades in general (I've been in many) it's that life experience in a trade does not equate to proper adherence to the trade! Just because you're the one doing the job, and have done many such jobs prior, doesn't mean you're doing the job well! And again, the repairs previously made on this job only serve to echo what I've just said! The real piss off here is that not only are there better products on the market of varying colours that could have better accented and complimented the house (most of which are also asphalt shingles if asphalt shingles are what all they can afford..), but that these better products would have been cheaper in the long run to use for both durability, and longevity of the roof (Owens Corning makes a solid patterned shingle with a limited lifetime warrantee for example!)... Three tab shingles are notorious for failing before their rated 15 year life span (Mostly due to poor installation as seen here, but also due to poor housing structure, which prevents the roof from properly "breathing"..) and it seems to me that the entire neighbourhood has this system on their roofs, AND, all the same fucking colour! Had this been my job, I would of pressed hard on the home owner about a better quality product, and his right to accent their home however the fuck they want (It's their money spent! The township doesn't get to fuss about the roof unless they are fronting the bill, or at least part of it!).. You most certainly do not need to be a sheep simply because you find yourself in the middle of a flock! An interlocked tin shingle roof would of "laughed hard" at that tornado! And being in an area where such events can happen.. Worth the extra money! Tell the home owner to wait, save that money, we do a whole deck repair/replace if needed.. Can even ask for a payment plan through the bank that manages the mortgage so you can start the job ASAP! You get paid right away, home owner can pay back as time goes on with interest.. Easy Clap! Might even save on the mortgage afterwards in the process as a direct result of securing the longevity of the home and increasing the value of the property! I hope Precision Roofing LLC is just representing the home owner on a roof that another roofing company did, and not actually trying to get an insurance claim on their "handy work".. Because this would be awkward.. I mean no offence, but this video was offensive for my caliber of workmanship to watch! I actually felt bad for the adjuster right up to the point where he became a little bitch about the recording aspect, and ran off the roof before completing his assessment; Of course you're going to record anyone who steps onto a job site! /facepalm
Unfortunantly steel roofs are susceptible to hail damage, at least cosmetically. And clients expect insurance companies to pay for cosmetic damage, so they would just be in a similar boat. A high wind rating such as class g of h and a hail rating of class 4 would be the better alternative. Something like synthetic composite if you want longevity. Or and hear me out... homeowners can actually replace their roofs when they need it and not let them deteriorate to the point a slight breeze will break them. Plus stop buying 3 tab shingles, their trash.
I don't get it , tar paper roofs.. and then needing insurance because they are damaged?? IF the insurance was fair up front , they would simply say "Your roof material is shitty tar paper, i'm not insuring it, get a real roof" but obviously they want the money , greed. knowing full well they won't pay out any claim.
@@gregsteed870 We had 1 heck of a hail storm here that destroyed cars and home ac units. My 24ga metal roof did not even have a dent where the standard tar shingle roof had to be replaced on every house in my entire neighborhood. Some neighbors who must have the shingle roof look decided to go with metal shingles which look like Architectural Shingles but is metal and has a lifetime warranty
@@starga-fr7qx Mother nature is more harsh than ever and most honest roofers will be up front and tell you that asphalt shingles do not last the expected life anymore.
“Trying to get me to say something “. … well if you do your job correctly and your not avoiding indemnifying the customer then u got nothing to worry about being on camera do you!:)
LOL He instantly called you "Shady", accused you of forcing him to "say something" and tried to leave you on the roof. This entitled brat's boss/dad should make him slow down on the weed, it's making him delusional and paranoid.
Not knowing the details of this issue, I cant say I blame the adjuster. Who wants to be recorded, especially when trying to figure out what to do with an insurance claim. I find in life, you get a lot farther with honey than with vinegar.
When dealing with thousands of dollars and it’s your own company. Trust me when I say it’s very vital to record every claim like this fellow and every gallon of gas you put in your vehicles. If you don’t have records for your company keeping track of your spendings and claims then your setting yourself up to have a difficult time if not. Failure
Insurance companies need to be reined in under federal law. There's no point in having insurance when they find any reason to not cover a loss. Why even have it then?
When you defeat jeff you gotta face this guy
😂
Lmfao 😂 Yeah FUCK Jeff
jake?
🤣🤣🤣💯
Jeff was light work. An absolute embarrassment.
I was taught to use my own ladder to meet an adjuster and to point out damage and don't argue..
5:59 he stepped on a ridge vent ..make a claim
I'm at 1:04 into it please tell me this adjuster isn't going to say this roof is malleable and repairable
I couldn't walk on a roof. Might not have been able to do it when I was younger, either. Surprised he's doing it in regular tennis shoes.
It looked like the adjuster was wearing some kind of mask.
He was out there like Usain Bolt when he knew he was being recorded
In some states, it could be considered wire tapping. Some states do require both parties to consent to recording such meetings.
@@MrSiestaFiesta not just video... Audio as well...
Screw those states
Always state that you’re recording when they arrive
@@pinksand719 RECORD ALL GOVERNMENT OFFICIALS WITH AUDIO
THEY DESERVE NOTHING LESS !!!
@@pinksand719 make sure you live in a state with one party consent rules when recording audio
He left quick when he realized he was being recorded because NOW HE HAS TO LIVE UP TO HIS WORDS OR GO TO JAIL FOR INSURANCE FRAUD!!!!!!! Yes adjusters must fallow the law too
But they don't and 99% of them get slap on the wrist.
follow*
@@MrSiestaFiesta big fast fingers
Always establish you’re recording from the beginning. Total change of tone every time. Always protect yourself
Geeze, yeah, if you are insurance adjuster you are in a veritable Iron Maiden of laws and regulations. If your adjuster is shitty all you have to do (lawfully) is whimper and he gets fined and may face jail time. I dont understand how people don't know how regulated and controlled insurance is. It's not the f-ing wild west.
My first time in the field was Hurricane Harvey. I was working a claim when I saw the insureds Liquor collection. They had a Patron suitcase and I remarked "Wow, thats cool I didnt know Patron made a suitcase" they insisted I take it home because they didnt want it. I was terrified they would use it against me if their claim was denied. Which, it wouldnt have been because it was hurricane friggin Harvey.
The issue is that people think adjusters are able to lie, and cheat the system, and deny claims at their liesure and that's just not the way it works. We could go to jail for S I M P LY B E I N G D I S H O N E S T. If a contractor is dishonest they have far more legal wiggle room than an insurance professional and if they tell you that's incorrect it's simply because they aren't educated in how the insurance industry works. (I say all of this knowing full well you wont believe me).
Yet there is this general "Understanding" that you cant trust your adjuster lol, Nah fam, your adjuster is scared to fuck up. Wherever you learned that you need to believe that the adjuster is the enemy is lying to you. The more you get, the more we succeed. I have had entire claims denied and I make a FRACTION of the wages than if the damages were covered. If You're roof costs 12 grand to replace, and youre flooring was damaged, and your kitchenette and your entertainment center was damaged, and the underlaiment needs to be replaced I get a percentage (bracketed) of that total. Take my word for it ( in a catastrophe situation) if anyone tells you otherwise you can be assured they dont know what they are talking about.
Imagine never working a day in your life and telling men who have for decades they are doing it wrong.
This is the one
The vendors we call in for roofing, plumbing, and ac are all absolute morons who phome everything in.
Time served has a negative effect.
ahhhhhh i see i see
Tell them you’re recording from the beginning, then share with the world. No more shenanigans..
Ehh…That boy seem like he been on a roof or two..
Watching these insurance adjusters scamming has quickly become my new favorite passtime. Gotta say almost every video is also State Farm so that’s something to take note of. My grandparents had their own insurance company for many years and my grandma said a lot of their customers came from State Farm after having horrible experiences. Scamfarm is the term gma uses 😂
Your insurance agent will tell you not to worry, they will take care of everything. Then these adjusters show up and DENY DENY DENY, and explain how they aren't responsible for covering damage because of reasons you don't understand. Ask me how I know.
@@dc2979 Well, I can say that when an adjuster says "I can't advise you on coverage" is because they are only there to write an estimate on damages (in a CATastrophe situation) It's hard for adjusters because homeowners want answers and information. The hard truth is that your adjuster (depending on the company) cant tell you "Yeah we'll replace your roof." Because (Secret) if an adjuster tells you they will cover something, the company HAS TO COVER IT. There are stipulations. If the crew that put your roof on before a storm, did a shitty job, the INS co. IS NOT responsible because that is poor workmanship liable by the roofing company. A storm came through, the half assed job by the roofing company should have protected your home, but because of their negligence you ended up with a leaking home and damaged property. An insurance policy is not a get out of BS card. Choose your contractors wisely. Perhaps the issue is that homeowners fail to understand how insurance works.
For example, if you replace your toilet, and the plumbing you put in place ruins your bathroom, thats YOUR fault and the insurance company is not required to cover it...that's not what insurance is for.
All that being said, in the INS Industry, there is a stigma, that agents don't always do the best job. They want to sell you a policy and their success is contingent upon it. Your agent is responsible for your policy and the details therein. KNow your policy and know what you are buying and how it works. If I buy a new vacuum cleaner off of wish.com and it doesnt work, I cant blame wish, I was the one choosing the worst route and a risky source. Be careful.
I had a boat fire last summer they paid off with just pictures I sent them and never even came out to my house to look
At the boat. They even paid me $1,200 to fix the damage. So it must be just a roof thing.
It all depends on adjuster.
@@atheisticallysound Everyone would like their 20 plus year old replaced for mostly free. You and I know that isn't how insurance works. The roof here is done for. How much the insurance is responsible to cover is the huge question.
He goes “YouRE on my ladder” like that means oh sorry I’m not letting you off the roof since you caught me trying to scam 😂😂
Both parties are supposed to use their own ladders. Since the roofer used the adjusters ladder he was telling him he had broken a known rule.
What really happened here is the roofer was trying to switch the storm date from April to July. The adjuster said this had already been inspected. Meaning they had photos of all this damage way back in April but that would have been outside of 1 year to be able to file a claim for that date. So he was trying to use a new date that fell within the 1 year mark.
Truthfully this roofer is unprofessional and is just your typical door knocker. The adjuster is also unprofessional. But this video is filmed in a bias way it doesn’t tell the whole truth.
@@pinkley22 where you get the information on the dates? From the video it wasn't conclusive as there was no proof for either party.
@@asfowenn he made that shit up lmao
@@pinkley22 No... What usually happens is the home owner either tells the insurance company the wrong date or the adjuster puts down the wrong date. Either way it can be changed as long as the date does not post date the inspection date. Nor was this 1 year after the date of the storm, thats totally made up. State Farm I deal with ALOT, lucky for me I know most of the adjusters since we do not chase storms and cover one state, but out of state adjusters do try this BS every single time. Oh.. fried shingle, 400 repairs? He here a repair estimate your shit out of luck. Then you gota waste time fighting it, finally get it do the roof then the owner drops State farm because they are corrupt as shit.
I was honestly just waiting to see if he would take his ladder down so the roofer couldn't get off... LOL
Lmao he was trying to grab that ladder up and leave you on the roof
Lol you peep that huh lol mf should make running his career mf took off on the guy 😆 🤣
Haha well the Adjuster was still nicer than me.
I'd have turned around and asked if he had his own ladder in the very beginning.
I've heard of people being left on a roof, I mostly prefer everyone use their own ladders.
I've let maybe 2 or 3 people use my ladders. That was after a good maybe 20 hours with each individual.
The slope on this roof isn't too too bad, but I also make it clear I don't want people walking above or parallel to me.
When a person starts falling natural instinct kicks in, and I dont want to be pulled off a roof or pull anyone off a roof.
Boy when he found out you was recording he took off like he just robbed you. He also looked like a robber
He said you're on my ladder so you might want to come on.
In other words, since I'm leaving you should come too, or you'll be left up here
Sounds about Right
Insurance company - Do you like fucking people over ? Job applicant - Yes. Insurance company - You are hired.
I don't know why these videos keep showing up in my feed, but keep em coming! 🤣🤣
Yup!
They're helpful in case you ever have to deal with insurance for a house claim. They can be scummy.
Why would he have a problem with being recorded? The only reason I would think is because he has something to hide
“You’re trying to be shady” yet thinks that running away when filmed having a genuine professional interaction on camera isn’t. 😂 that’s State Farm for you. Toooons of videos out there like this and all from Scam Farm. Who’s shady? 🧐🤨
i tell him in case something happens it ur word against my so i record for my lawyer & in court use if it go there
Snake farm 🐍
@@havok9001 No reason for the home owner to pre warm that adjuster he was recording anything. The adjuster left after knowing he was recorded because he knew the owner now had proof of wrong doing by him.
The definition of shady is being scared of a camera!!!!
Yeah that was sketchy as fuck when he said that like bro nothing shady at all about recording unless you are up to no good. Just give them the fucking money to get the roof fix end of discussion
An insurance adjuster for State Farm, calling someone else "shady".
🤣🤣🤣🤣
"It's not storm damage right"
Yeah I ain't telling you a thing. You give your report and I have my own evidence that you are full of it. I am not telling you. Guy wants the roofer to agree and he just keeps his cool. Good videos buddy
Ahh good ol State farm.. a lot of ppl think they have a good rep from all the commercials and marketing but its good to see the truth being put out there. 🤣🤣 why when they find out that they're recorded they bail? This dude hopped off the ladder real quick.
I like the guy filming is “trying to be shady” by having a record of what happened 😂
its like the third time this happened, usually if you have 5 problems you are the problem
He did convince a homeowner to file a claim on a storm in April but is trying to pass storm damage in July off as evidence. That’s fraudulent. Then trying to make someone else out as a scammer. It’s wild
The last one I watched the gentleman roofer had the hardest time with the insurance inspector about a nail. The gentleman done a great job not jumping.
I watched that one too.
Fuckin Jeff
This process goes alot smoother with independent adjusters. In house adjusters don't pay squat
Independent adjusters have little to no authority. If the insurance company is slow, an independent adjuster situation could prolong the claim for months. Especially during major events when the phone adjusters for the insurance company are overwhelmed. Independent adjuster reports will take months before they are reviewed and if there is a question or dispute it will take even longer. At least company adjusters have authority and could theoretically settle on the spot of enough information is available. Just need a good insurance company.
@@gregsteed870 The problem is 9/10 times in-house they try every way to not pay out. They probably get a commission as a percentage of each claim they successfully deny.
@@gregsteed870 As an independent working cat claims for StateFarm and many other carriers, I was encouraged to settle on site during the initial inspection anything within my 25K authority. Beyond that limit I could usually have an approval within 24 hrs. The major problem with independent adjusters on large cat is that the majority have little to no experience. Ive been on so many deployments were I would ask other adjuster about there experience and so many have no construction knowledge and never even been on a ladder. Its too easy to become and idependent adjuster.
@@gregsteed870 Not true. I inspect and upload my report and estimate the same day. Staff adjusters usually have a stack of claims on their desk that get little to no attention because of the high work load that just follows you in the office enviroment.
Independent adjusters do not slow the process down at all. I've been both a staff adjuster and now an independent adjuster and as a staff adjuster I looked forward to receiving the independent adjuster's report because the hard work was done for me and in most cases I could move them off my desk much quicker...and especially so during hurricane events.
And your statement about the majority of independent adjusters on Cat claims have little to no experience is just plain uninformed. Good adjusting firms weed out the inexperienced adjusters pretty quickly.
Perhaps the adjusting firm you worked for hired inexperienced adjusters but I find that to not be the case with the firms I run for.
Yes, it is easy to get an adjuster license but much harder to be deployed if you have no experience. It can take 3 years to really get established as an adjuster because most adjusting firms will not consider you experienced enough to handle a large claim volume.
The worst company to deal with!!!
as soon as he sees you recording he books it off the roof bc it’s “shady” you’re recording🤣. He’s obviously shady himself
NOTHING shady about home owner recording it. I have done same when i had roof damage that the adjuster lied about. I won my case and got a full roof replacement after letting the insurance company know i gave the recording to may attorney to submit as an exhibit.
I want to know if he tried or successfully pulled the ladder away before letting you off the roof.
bunch of insurance scammers... hope for more videos exposing this trash
Out of all these "adjuster tries to scam us" videos I've seen, every single one has been State Farm.
You'd think after awhile they'd realize being shady is gonna lose them customers and they'll end up losing more money than if they'd just be honest and pay the claims like they should. If I've learned anything from all these videos, I'll never even ask for a quote from State Farm. I've had progressive for over a decade and they've been amazing both on my cars and my home. Had some hail come through last year. Didn't see any damage at first, but then had 3 contractors come over and take a look and they all found some damage totaling ~$4k-$5k worth of repairs. Progressive's adjuster came out and said "reside the whole house, reroof the whole house, replace both sheds, replace garage doors, replace the gutters, replace 4 windows, repaint the garage (1400sqft detached garage) and give the customer a week in a hotel". What we expected to be $4k turned into a $46k settlement off an $850/yr policy premium. THAT is how you make lifelong customers that'll recommend your company to everyone they can.
State Farm's motto is "like a good neighbor, State Farm is there"... I'm starting to realize what State Farm thinks "good neighbor" means is "the local HOA president Karen who 'helps you out' by reporting every single violation she can find, refusing to uphold the HOA's end of the deal, and blaming you when the HOA maintenance guy backs into your car".
just dealt with a nightmare with progressive (15 year emerald policy holder), they dont do on sight adjustment and their stuff is so messed up, im moving to geico. they are really good.
@@ShotgunRumble auto or home ? What do you mean they don't do on site adjustments?
Best comment ever
@@ShotgunRumble Let me put you on game. Homesite is the underwriter for HO policies for both progressive and geico.
I'm glad to hear you had a good experience. Some insureds will have a 400/yr premium on a Condo and get a 30k settlement from us and still be barking at us to upgrade the flooring. Like you been with us 2 years. We just paid for your premium for like the next 60+ years.
If the guy is that worried about a simple recording, Im betting he is the one who does the scams, like under reporting the loss to the insurance company which is what they hire guys like this to do.
It’s just common courtesy to let someone know you are filming them. I wouldn’t let someone film me. It’s my preference. It’s not a matter of trying to hide something or being shady.
@@bdub8522 not in single-party consent states, and private property all expectations of privacy go put the window for non-resident visitors.
@@redcell9636 you’re missing my point. I’m not saying he can’t record. I’m saying he shouldn’t. Of course I can’t stop anyone from doing what they want to do, but I don’t have to stay there and be subjected to it. Also, you are seriously misinformed if you think adjusters get some type of incentive to under report (your words) a loss.
@@bdub8522 Lmao you are a snowflake. Imagine if you knew how much the government records you without your permission. You would flip
How does he figure holes in the roof were not caused by the storm? Does he not think wind from the storm blew something into the roof?
Right? That was my first thought.
I'd have to go back and re-watch.
I only remember him mentioning one hole and I think he said it was soft and there was no felt.
There didn't appear to be any reason to believe that it was caused by storm damage, I didn't see a close up on it or anything. From a spectator role, kinda is hard to tell.
Regardless. With all the wind damage shingles on the slope, I'd probably try to push for it being "storm related" so I could slope out the side.
Considering they didn't go to the other slope, it almost looks like the wind damage was isolated to the one side.
Would love to see a full home inspection to see if any siding was damaged.
Only ROACHES scurry from the light
This roof clearly has MASSIVE wind damage. Definitely a bona fide claim. So sad to see Scam Farm try to wiggle out of their responsibility to their customer. Don't see what the problem is with recording - you're on the customer's property and they want a record of what happened from the roofer. The roofer didn't even show the Scam Farm adjuster's face.
There is NO problem with the home owner recording it other than that adjuster being worried his lies will get him in trouble.
You can literally hear the crunch of the shingles last dying breath as the grit leaves it's body
Oh yeah. Just the sound of it and seeing how the Adjuster was walking on it gave me anxiety.
But I know people really stand by their athletic footwear, I've just never had a good experience on roofs with them.
@@rockyalliston1122 skateboard shoes and a thin cushion below just for shts and giggles you know for the adjuster and all 😂
Fr tho once the grit gets like that I honestly don't think it matters what type of shoe or boot you wear. Not sure anything grips thousands of mini marbles too well
@@timmytuttle3974 haha 🤣
@@timmytuttle3974 yup you're not wrong.
Even with cougar paws might be sketchy.
I think that it's funny every time one of these adjusters is caught getting filmed they leave. Not only that on his way off he walked all over the ridgvent creating damage as the nails pull out. They may not pull out far but it will create a problem in the future. Your not suppose to walk on the ridgvents bud, I install tones of new ridgvents a year for what I do and i would never allow that to happen. I think the insurance world are the shady ones. People pay all these premiums on time and still get denied when they need to use it and to that I say ridiculous. Also if he was doing his job right and on the up and up he wouldn't have to worrie about saying something he wasn't suppose to on camera.
You have to understand they don't want to pay you nothing no matter how long you been paying them. It's business they don't care
One thing that bothers me as an insurance adjuster, first and foremost in this case is how un educated this adjuster seems and how any video like this seems to be allstate or statefarm.
But the real thing is this general air of "Don't trust adjusters or insurance companies."
I can't speak for my company at large but I can tell you I do my best to record everything and make sure you get everything you are owed for your loss.
One thing people don't understand is that adjusters get payed more for more damage reported.
If your house is worth 300k and I report a TL. Then I get a percentage of what your policy covers on your loss. I'm not going to report that an unlivable home is fine, firstly when I know the insured has to live in it and secondly it behooves me morally and financially to be accurate.
The idea that Adjusters are trying to scam you on behalf of the company is flat stupid, because I get paid more to replace your whole roof, underlaiment, felt, shingles boots, flashing etc than to just report 1 damaged square.
This isn't adjusters being scammers, this is adjusters being undereducated and lazy.
Remember that next time you have an adjuster. Granted a good adjusters job is to determine whether damage was caused from the reported loss. If you tell me your garage door was damaged in the tornado but I can see the damage existed in 2012 from google street view, I'm not putting that on the claim. Maybe I'm just one of the good ones.
Granted I have caught insured homeowners trying to scam the company multiple times. This idea that the homeowner would never do such a thing is laughable too. I had one homeowner send in pictures of damage after Hurricane Laura, that were allegedly his home, but he had no clue that his iphone recorded the coords of where the pictures were taken MILES away. Kinda weird when you're like "Hey, this picture of your home shows ridge vents and....well your house doesnt have them.
I'm glad someone said it!
I appreciate you bringing knowledge to the comment section.
Sometime it's really just about how much you know!
Besides that I'm hoping insurance companies will move away from hourly pay. Because component is were it's at!
Thanks again!
Great points but not valid for adjuster on day rate. And there are a lot of them.
@@ericrhodesbusiness Yeah. I mean component pay really does motivate an Adjuster to find damage.
Hourly and day rate seems to inspire laziness, or a bare minimum attitude.
Plus being W2 on a storm sucks. Lol
I like my tax deductions.
@@rockyalliston1122 A lot of independent adjusters on fee are very detailed and thorough and seem to be more comprehensive than the day-rate cat adjusters, especially at the some of the carriers I won't name.
Desk adjusters and staff field adjusters can go either way as well.
I have good luck with a lot of people with great personality and work ethic, some absolute super star adjusters and supervisors. District managers of the highest and lowest caliber.
Certain carriers, guidelines and people give adjusters a bad name but in general a very good group of folks. Also the newbies on cat claims cause some obvious issues.
The adjuster's are absolutely trying to short pay claims. Every major carrier has a set of internal guidelines they have to follow for estimating that specifically omits certain line items in the estimate. The adjuster's are then graded on whether or not they follow those guidelines. If they don't they are written up and fired. This prejudices their ability to fairly adjust each claim on their own individual merit. This type of "shady" practice is why people should never trust their insurance company. These videos also show how inept most of the adjuster's really are. They have little to no construction back ground and don't know how to actually repair anything, yet they are the same ones who think they are somehow qualified to determine if something is repairable. It would be like having a someone with no IT background or qualifications tell you that your computer cannot be fixed. Not to mention getting your adjusters license is a complete joke of a class and does not actually train or ensure anyone is qualified to do the job.
Anyone that gets scared of a camera is a scammer, liar, or cheater. Thought we was going to jump off roof because he could not run fast enough.
Honestly. The adjuster seems legit. He knew his shit.
Yep they do know their shit most of the time but that's not the problem. The problem is that they turn around and lie on their report for the insurance companies so that they don't pay out. In turn the insurance companies keep calling them and giving them kickbacks. But when they are recorded if they lie on the report they can get charged and potentially go to prison for lying on an insurance report which is considered insurance fraud.
These adjuster videos are the best!!!
If it’s already been inspected why is he there
When Raiden inspects your roof. Abd realizes he's being filmed
Only thing shady is an inspector who thinks being recorded is a bad thing because he might be shady
That inspector, has 0% idea what he is talking about, but he talks about it with the authority of a seasoned veteran. I doubt he has ever put shingles on any structure, but he talks with the confidence of a roofer about to retire. That is an issue.
Never getting state farm
the adjuster was pointing out all valid points
Wonder what the life span is of these adjusters walking around on a roof and taking photos.
Like a good neighbor...State Farm is there (then gone after being video'd). If it comes down to money who can you trust? If they can find anything that was there preceding the actual damage they will use that to deny. Perfection doesn't exist except at State Farm.
Wooow State farm adjuster and State farm are scammers. They don't like to be recorded because they be lying on their claim. Smh now I know who to watch out for. Since I just started as a sales roofing guy.
Listen to the age of those shingles with every step, be lucky if some of those snake farms guys don't just call it a maintenance issue
Bruh got real defensive about being recorded while on someone else's property and while working. What's he so afraid of?
This blows my mind
It's not being afraid.
He literally said it how he felt at the end.
Its understandable, put yourself in his shoes, not literally though, because I wouldn't want you on a roof in his shoes.
Luckily both the contractor and Adjuster seem very respectable. I'd work with either one just based on this short video.
Adjusters can get NFA'd (No Future Assignments) just for saying the wrong thing.
Imagine having a 6 month investigation on yourself and not being able to work because a contractor was pissed at you, clipped a video out of context and sent it in.
Possibilities are endless. Some states actually require 2 person consent.
I wont call all contractors assholes, so let's not assume all Adjusters are snakes.
@@rockyalliston1122 finally someone with common sense .
Should disclose it though, i wouldn't want to be filmed in any scenario not knowing about it.
@@rockyalliston1122 seemed like he was just getting ready to say "its gonna be real hard to get them to go.... Are you recording me?" -what was he getting ready to say?
2:22 Why are there random nails all over the ridge cap?
Snake Farm is what we like to call them. Anyone who has State Farm or anything with farm in the name you better change companies immediately. They will not cover your house
I'm about to be a new home owner. I'll never choose statefarm.
He ran when he knew you were recording, if you don't live in a 2 party consent state record everything
I could be wrong but it looks far from from finished. Nails showing. If I'm unaware of something. I would just like to know. The agent definitely sounded shady when he found out he was being recorded. Hella red flags.
These videos are kinda stupid. Not sure what they’re trying to prove, but insurance is not there to give you a new roof after failing to maintain your current roof and suffering wind damage.
If anything insurance is only there to get it back to the state it was in before the damage occurred, which would still be a 10+ year old shingle.
I’m a roofer and I’ve been prop and casualty insurance agent. Just wondering what these videos are supposed to be proving?
That man was gonna leave him up there at the end lol
Well, 🤔 I've never seen an adjuster act like that before. He could have saved face better by sticking it out and being polite and informative.
Guy doesn't realize that wind damage is sometimes a gradual process. He has no business in this business. Might as well ask a stock trader how to build a deck. SMH.
Always record your inspectors. Video evidence is priceless
Absolutely records it. I did and used it to win my case.
Contractor is shady he’s definitely looking for anything to get more money I woulda left the meeting as well
"Like a good neighbor stae farm is..." oh shit is that a camera? We're fk'n out of there.
Dont forget to throw those payments in the box though.
What a bunch of dutch bags so Thay only cover repair and when a company tries but can't repair it they are the ones liable ? Sounds like a scam
Ladder isn't 3ft above gutter. Osha violation
That roof looks old AF and has seen better days. What's the problem here?
It also looks like he tried to beat you to the ground so he could take the ladder and leave you on the roof I wish there was more video
Ikr, why would he stop recording there... looks like the dude jumped off the ladder right at the end
Wtf. Yeah he did. Must of been some back story to this.
I think that would have depended on if it was his ladder or the roofers. If it was the insurance guy than yes. If you're smart alway use your OWN ladder.
So the inspector just steps all over the peak in the beginning? I was ALWAYS told to NEVER do that
Never step on ridge cap, but just regular roof ain’t nothing
Yes it is. It’s not supported as well an can crack the shingles.
@@jackadamz3 never heard that, but I can understand that
Don't step on ridge. You don't know if it's a truss roof with no ridge board running between your rafters or stick-built roof that has a ridge-board. That, and you don't want to crease,bend,fold,crack or otherwise damage your ridge-cap.
Bro has gloves on💀
Disappeared like cockroaches when the light is turned on a on them.
He came to my house this past week and he stopped doing his job we got a complain with State Farm. 😡😡🤬🤬
shady lool. like that guy is being absolute jackals.
lmao I like how he brought up the shoes the ruffers were possibly wearing while he has running shoes on.. EVEN better is when he realized he's being recorded and decides too gtfo. Priceless
What is the scam? I'm not a home owner or a roofer. Just interested.
He should go to jail for insurance fraud
I wonder if says that to his roofing subs who only wear sneakers
eek i think i'm switching to another company this is so gross
These adjusters are worms and have never been slapped
Insurance clowns. Replace there roof.
What he was hurrying for was to remove the ladder from the roof. That’s why he said “your on my ladder” and jumped from the roof. 😂🤣😂🤣😂🤣
dude is a 25 y.o. with 1 year experience haha
Anytime i see a patch job, I run... plenty of work out there insurance loves seeing repairs... homeowner should have fought harder the first time. Not to mention your date of loss was before the "tornado".
Good old SF….always making excuses for storm damage. They must have installed with golf shoes on! 😂
I’m 8-0 against State Farm on appraisals the last 18 months.
What happened 19 months ago 😂
People still do closed valleys? /facepalm..
No underlayment under the shingles? /doublefacepalm
Nails higher than the tar line and no doubles per tab on a three tab shingle? /epicfacepalm
The poor nailing alone confirms the damage and it's severity, as well as the potential for even more damage should a high wind situation ever come around those parts again.. And the repairs previously made on the roof only echo this statement!
How are your nail heads supposed to be sealed when you nail above or below the tar lines? Answer: They can't!
How are your shingles supposed to be held down when you're nailing 1 1/2 inches above the tar line, thereby giving more leverage for wind to come under, and rip off the shingles? Answer: They won't!
How can you assure that individual tabs of a three tab shingle stay on a roof when only 4 nails per three tab shingles are placed? Answer: You can't!
How can you assure that shingles won't leak through nail placements if you don't make sure you have an 1 1/2 inch space between shingle seems, and your edge nails? Answer: You can't!
This roof was poorly done to begin with! As a roofer, I'd be ashamed if this was my handy work.. -.- .. I won't fault an adjuster for not wanting to cover a piss poorly installed roof. Make the roofer re-do at their cost, and represent the home owner in court while doing it! This was horrible to look at! I mean, how is an adjuster supposed to look at this? The instructions are clear and cut on the back end of EVERY pack of shingles that you can buy! There is legit NO reason for any of these faults to be present, unless the mentality of the roofer is something akin to "I've been doing this for blah blah blah years.. I know wtf I'm doing!"... /facepalm.. If I've learned anything in my time on roofs, or trades in general (I've been in many) it's that life experience in a trade does not equate to proper adherence to the trade! Just because you're the one doing the job, and have done many such jobs prior, doesn't mean you're doing the job well! And again, the repairs previously made on this job only serve to echo what I've just said!
The real piss off here is that not only are there better products on the market of varying colours that could have better accented and complimented the house (most of which are also asphalt shingles if asphalt shingles are what all they can afford..), but that these better products would have been cheaper in the long run to use for both durability, and longevity of the roof (Owens Corning makes a solid patterned shingle with a limited lifetime warrantee for example!)... Three tab shingles are notorious for failing before their rated 15 year life span (Mostly due to poor installation as seen here, but also due to poor housing structure, which prevents the roof from properly "breathing"..) and it seems to me that the entire neighbourhood has this system on their roofs, AND, all the same fucking colour! Had this been my job, I would of pressed hard on the home owner about a better quality product, and his right to accent their home however the fuck they want (It's their money spent! The township doesn't get to fuss about the roof unless they are fronting the bill, or at least part of it!).. You most certainly do not need to be a sheep simply because you find yourself in the middle of a flock! An interlocked tin shingle roof would of "laughed hard" at that tornado! And being in an area where such events can happen.. Worth the extra money! Tell the home owner to wait, save that money, we do a whole deck repair/replace if needed.. Can even ask for a payment plan through the bank that manages the mortgage so you can start the job ASAP! You get paid right away, home owner can pay back as time goes on with interest.. Easy Clap! Might even save on the mortgage afterwards in the process as a direct result of securing the longevity of the home and increasing the value of the property!
I hope Precision Roofing LLC is just representing the home owner on a roof that another roofing company did, and not actually trying to get an insurance claim on their "handy work".. Because this would be awkward.. I mean no offence, but this video was offensive for my caliber of workmanship to watch! I actually felt bad for the adjuster right up to the point where he became a little bitch about the recording aspect, and ran off the roof before completing his assessment; Of course you're going to record anyone who steps onto a job site! /facepalm
this guy is absolutely terrible
These are so painful to watch
I'm surprised he can even see what he's doing with that face diaper on. Must be some serious money-pox floating around up on that roof!
Is this guy friends with Jeff?
Don't worry they will try to get out of paying claims to the point you will have to hire lawyer.. They are not your friend..
Is it just me? or should you never stand parallel to a ridge line unless you're rigged up with a line, especially if your wearing Nike tennis shoes?
OSHA regs say you are correct
Like a good neighbor State Farm is there
I'm loving the yard space there.
That's a shady adjuster...a camera don't mean your shady it means your honest...
State Farm is by far one the WORST Homeowners Ins carriers! I have seen them take YEARS fighting legit Claims....Disgusting!
Simple solution - get a 24ga metal roof properly installed and never have roof concerns again unless the entire roof blows off
Unfortunantly steel roofs are susceptible to hail damage, at least cosmetically. And clients expect insurance companies to pay for cosmetic damage, so they would just be in a similar boat. A high wind rating such as class g of h and a hail rating of class 4 would be the better alternative. Something like synthetic composite if you want longevity. Or and hear me out... homeowners can actually replace their roofs when they need it and not let them deteriorate to the point a slight breeze will break them. Plus stop buying 3 tab shingles, their trash.
I don't get it , tar paper roofs.. and then needing insurance because they are damaged??
IF the insurance was fair up front , they would simply say "Your roof material is shitty tar paper, i'm not insuring it, get a real roof"
but obviously they want the money , greed. knowing full well they won't pay out any claim.
@@gregsteed870 We had 1 heck of a hail storm here that destroyed cars and home ac units. My 24ga metal roof did not even have a dent where the standard tar shingle roof had to be replaced on every house in my entire neighborhood. Some neighbors who must have the shingle roof look decided to go with metal shingles which look like Architectural Shingles but is metal and has a lifetime warranty
@@starga-fr7qx Mother nature is more harsh than ever and most honest roofers will be up front and tell you that asphalt shingles do not last the expected life anymore.
@@bc5891 I don't think they ever were worth a damn, in europe we just put clay roof tiles.
mine are dated 1923.. what hail damage?
“Trying to get me to say something “. … well if you do your job correctly and your not avoiding indemnifying the customer then u got nothing to worry about being on camera do you!:)
LOL He instantly called you "Shady", accused you of forcing him to "say something" and tried to leave you on the roof.
This entitled brat's boss/dad should make him slow down on the weed, it's making him delusional and paranoid.
What adjuster goes on the roof without proper boots
Not knowing the details of this issue, I cant say I blame the adjuster. Who wants to be recorded, especially when trying to figure out what to do with an insurance claim.
I find in life, you get a lot farther with honey than with vinegar.
And in real life, if you don't cover your ass, statefarm probably won't pay. Honeys great, but insurance for your insurance is better.
@@kakuzu12345 spoken like a pro!
When dealing with thousands of dollars and it’s your own company. Trust me when I say it’s very vital to record every claim like this fellow and every gallon of gas you put in your vehicles. If you don’t have records for your company keeping track of your spendings and claims then your setting yourself up to have a difficult time if not. Failure
Insurance companies need to be reined in under federal law. There's no point in having insurance when they find any reason to not cover a loss. Why even have it then?
Did he really say at the end your on my ladder initiating the worst threat known to man, leaving the man trapped with his horrific shingles…
How have I just found these adjuster scams?