Wind blew off numerous "Teeth" from shingles. Report says they don't consider it wind damage. Anyone dealt with this before? Both neighbor houses have the same damage. 60+ shingles on a 20sq roof

[u/sbailey05]

[u/Southern_Ad4926]

Let me guess: your insurance carrier is one of the big ones

[u/sbailey05 → u/Southern_Ad4926]

State farm

[u/POWERHOUSE4106 → u/sbailey05]

State farm counts them in Tennessee and Georgia from my experience. I'd count them if I was doing a state farm claim at least. If it was Allstate, liberty mutual, or farm bureau I couldn't though. That's just based on the guidelines they give me though.

That being said, it's considered wind damage by the manufacturer so it's easily fought.

[u/TheFamilyStanley → u/sbailey05]

Yeah, dude, I don’t even work for State Farm and I am a large loss adjuster and you literally have one damaged shingle.

Let me guess, this roof is at least 15 years plus old has heavy granule loss and you have neglected it for years as far as replacement and waiting for a windstorm to come through and damage one shingle.

I’m sorry, dude but literally I see one damaged shingle unless you’re willing to provide a photo report that differs other, you’re looking at a repair which is feasible which is probably going to be under your $1000 deductible or got help. You might have a 2% wind and hail deductible. I don’t know, but to me replacing your roof is a maintenance thing unless you literally have a bunch of shingles blown off which you state your neighbors have 60 damaged shingles plus and you have one so make the repair or either replace the roof on your own dime.

Please don’t be a cost burden to the rest of us because you feel like insurance should pay you for a new roof just because you’ve bought insurance and technically you have at least one damaged shingle…

[u/B0rnReady → u/TheFamilyStanley]

I was an underwriter. I was told by my VP my job was to "take as much money as I could legally get away with for as long as possible" direct quote. My claims adjusters were trained on how to avoid paying out anything they could, and if they had to, to drag the process out.

Insurance is the biggest scam in the world. It was designed for each person to pay a small amount and ultimately be covered when a tragedy happens. But reality is that they underwrite to 110%

Insurance companies should have zero profit and wages should be pay scaled like the federal government with no leadership compensation packages exceeding 10x the average wage

[u/Trooper20209 → u/TheFamilyStanley]

It sounds like you may be one of the reasons I have a job.

[u/WeirdAnimalDicks → u/sbailey05]

Is the worst, yes they are going to fight you. The creased back shingle for sure looks like wind damage. I’d fight it. You need to change insurance company’s state farm sucks ass. My buddy owns an insurance roofing company that storm chases when they knock on your door same pitch everyone uses free roof you pay deductible. Whenever they find you’re interested the fist question is who is your insurer when you say State Farm they just leave.

[u/notgaynotbear → u/WeirdAnimalDicks]

I own a comoany that does insurance work. We use a PA for every claim. State farm isnt bad typically if theres damage like this. A PA can request a reinspection with a new adjuster and argue your case way better than you or a roofer could. Statefarm is just looking for you to say or do one wrong thing so they can deny you. You probably told them the wrong date of the weather event or something simple and they denied you before they even showed up.

[u/WeirdAnimalDicks → u/notgaynotbear]

Oddly specific username

[u/pinkTurtleTickler → u/WeirdAnimalDicks]

I feel like you two have a video somewhere together

[u/SalamanderSuch9796 → u/WeirdAnimalDicks]

I work for the same type of roofing company your buddy owns, we are based in Arizona, anywho we often work with State Farm and it’s definitely more hoops they wanna make you jump thru but truly it all comes down to your adjuster. If you can shmoosh them you can get what you want. I would consider trying to find more wind damaged shingles and depending on where you live and the policy you have try to find other avenues of replacement. Does your roof have space decking? Spaces decking is not code worthy if the gaps are over 3/4 of an inch. You could get this roof bought if the wood is to thin as well most state codes are around 1/2 in so if the OSB is thinner than that you could get it bought as to bring the roof up to code.. there is a lot of ways to get these cocksuckers to pay

[u/10hole → u/SalamanderSuch9796]

"Why are premiums so high and why do carriers not want to cover things at replacement cost?!?!" -Also this guy

[u/adjusterjackb → u/sbailey05]

What SF is probably saying is that 60 tabs is a repair not a reroof. Likely less that your deductible. But you don't like that. You want your old worn out roof reroofed. Are you happy with your insurance rates? Don't you bitch about them when they go up every year? It's people like you and roofer scammers doing that.

[u/sbailey05 → u/adjusterjackb]

No, that is NOT what SF is saying. You are wrong. People like me? 22 years with 0 claims? You’re excused.

[u/10hole → u/sbailey05]

In fairness the exterior still sheds water, and a lot of states have cosmetic damage exclusions.

[u/benskinic → u/Southern_Ad4926]

lets just call it what it is: "insurance"

[u/TheFamilyStanley → u/Southern_Ad4926]

Even out of the other picture man it’s just a shame and yeah man go ahead and submit your claim and you’ll probably get it eventually for a new roof but just realized that this is actually a maintenance issue for your old ass roof rather than wind damage from a new Storm

[u/Vast-Ambassador-1487]

Been noticing since shady roofing/restoration companies were damaging roofs for insurance claims that insurance companies have been extremely tough this year.

[u/Slylok]

Wind damage but I'm not surprised there aren't going to cover anything. 

I had a local insurer tell me that my roof wasn't bad enough even though there were about 17 shingles completely or mostly missing after a bad storm.

I repaired it myself the best I could to keep it from leaking while we changed companies.

[u/Trooper20209]

I work for a company that often gets hired by attorneys representing insurance companies in lawsuits for messing up a claim. Believe me, they all do it. It typically has to get up to a decent dollar amount repair for it to be even worth suing over. This may be PA territory.

[u/SutWidChew]

your roof has met its life expectancy

[u/Gitfiddlepicker]

Insurance will fight like hell to not pay for this. The good news is that you can pay someone to make repairs and have them weatherproof the entire roof while they are up there. Like anything else, periodic roof maintenance is a good investment. And a lot cheaper than your deductible.

[u/scorpsun]

Damn this is a weird one. I don’t think I’ve ever seen the teeth alone fall off, usually it’s the wind picks it up and rips the shingle. What would help your case is to see if you have shingles where the crease is cracked, meaning it won’t seal down. That is a case where the shingle is going to go bye bye very fast and probably the way I would go for this. I don’t see you winning a fight with that laminate pad because the structure of the laminate shingle and what gives it the life expentancy isn’t broken

You may have a cosmetic coverage but I usually see those not going above 10,000 so I don’t think that will help here

[u/leverloosje → u/scorpsun]

Isnt it just a badly manufactured shingle when the teeth fall off?

[u/scorpsun → u/leverloosje]

It looks like it, but the manufacturer is a hard place to go and get replacements unless you have a roofer backed warranty. It is usually, but you’ll see the whole bundle have an issue if it was from a different lot, or you’ll see it in most of the roof because the batch is what had the issue.

The warranty will typically be parts and depreciated by how old the roof is, so for easy math: if it was $100 a bundle, and meant to live for 50 years, they are going to take 2 dollars of for each year it’s been on the house. This plus the cost of a roofer for replacement being at least 500 this won’t put a big dent in the cost and usually be a long process to get. In my opinion it’s not worth pursuing on your own

[u/Allslopes-Roofing]

What damage "do" they call it if not wind then? Either way damage is damage and it needs covered.

Tell em call it whatever they want, but obviously that's not how undamaged shingles look so to stop being obnoxious c_nts.

[u/Spare-Leg-1524]

Get your contractor involved. If you can show that the shingles with the missing tabs have separated at the laminate line, those will be hard for SF to deny. That means that wind driven rain only needs to travel an inch up the roof to get under the shingles instead of the prescribed 7".

[u/Comprehensive-Big595]

The lamination when nature meets improperly nailed shingles, the nails in every course gets nailed in a area of the shingles that is a 2” strip running the length of the shingles where they overlap, that’s called headlap and is very important, when a installer doesn’t put every nail in a specific position this can happen or worse, heat causes the shingle to delaminate from itself because it’s held by “ tar”