So, the insurance paid for wind damage on 30 shingles on a roof, the shingle was sent out for testing to try and match the shingle: the shingle came back available but we went to go buy the supposedly matched shingle… well thing is the new shingle was longer than the older shingle by 1/2 inch.. usually when this happens we just take pictures and tell the insurance that the shingles aren’t the same size and they send out a field adjuster to measure the shingles, but this time the insurance adjuster said “you guys can cut all 30 shingles to match the old shingles”… my question is, is this legal? Has Anybody experienced this or how do I go about this?
Insurance adjuster wants us to cut shingles to match old shingles
JASSOR
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So, the insurance paid for wind damage on 30 shingles on a roof, the shingle was sent out for testing to try and match the shingle: the shingle came back available but we went to go buy the supposedly matched shingle… well thing is the new shingle was longer than the older shingle by 1/2 inch.. usually when this happens we just take pictures and tell the insurance that the shingles aren’t the same size and they send out a field adjuster to measure the shingles, but this time the insurance adjuster said “you guys can cut all 30 shingles to match the old shingles”… my question is, is this legal? Has Anybody experienced this or how do I go about this?
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Shingles are cut alll the time and installed. You should be able to maintain a factory edge on a good many of them, yes ? What's the problem ?
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Shingles are cut at the end of runs not in the field. When they are tested for wind loads and engineering they are not cut in the field. Therefore, if you cut them, unless the manufacturer provided a letter stating it will not void the warranty, the do not match so the entire roof would need to be replaced.
Contact the manufacturer, tell them the situation, if they give you a letter stating the warranty is not voided, then install them and move on. If they send you a letter telling you the warranty is voided, send a copy of the letter to the adjuster along with your scope for full roof replacement.
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Did you perform an uplift test on the entire roof or are you only claiming visibly damaged shingles?
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Some of these roofs in the last so many years have 3 - 1" nails per shingle, who knows what else ?
I try not to sneeze when I'm up there...I cement the tabs / nails on many repair jobs.
I try not to sneeze when I'm up there...I cement the tabs / nails on many repair jobs.
Shingles are sometimes cut in the field.
Most commonly, one tab or two tab sized pieces are added so that seams and nails can be kept farther away from the second side of a valley.
Sometimes one or two tabs are added so that a penetration can be spanned without a seam/nails or to keep a small piece/seam away from step flashing.
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You serious? It's 30 shingles. Are you working on mathematically correct roofs where no cutting is needed?
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Yes I am serious.
Insurance policies state that the Policy Holder is to be made whole. If the roof warranty is voided, the policy holder is not made whole unless his entire roof is replaced.
Why wouldn't the policy holder be made "whole" by having 30 cut shingles on their roof. There should already be at least one cut shingle for every row and every other row should have two cut shingles on a plain gable roof with no dormers or additions. Typical roof should have hundreds of cuts....what's another 30? How are you installing roofs without cutting shingles?
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The issue is, does the roof loose its original manufacturers warranty if 30 different size shingles are cut and installed.
If not then fine. Is it does, the entire roof must be replaced or the policy holder is not made whole.
It all comes down to what the manufacturer says.
If not then fine. Is it does, the entire roof must be replaced or the policy holder is not made whole.
It all comes down to what the manufacturer says.
Who is going to let the manufacturer know that 30 shingles were replaced on a roof? Would they care?
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Yes they would.
If the owner files claim against the manufacturers warranty and the replacement shingles void the warranty, they will not replace the roof. So, yes, they would care.
Ayongonz is right guys.
Though practicality states that it is no big deal to just cut and replace 30 shingles (I think that might be 1 square or about) You don't know what the future may bring. Another wind event that tears off more shingles, then the adjuster comes out and says, "aha, modified shingles, no payout for you sucker".
Andy.
Though practicality states that it is no big deal to just cut and replace 30 shingles (I think that might be 1 square or about) You don't know what the future may bring. Another wind event that tears off more shingles, then the adjuster comes out and says, "aha, modified shingles, no payout for you sucker".
Andy.
30 shingles is about a 1/3 of a square or a little less.
Are the shingles that get torn off in the next wind event the original shingles, the replacement shingles or a mix of the two? Were the ones that were blown off recovered by the insurance agent?
How would an adjuster know there were newer shingles in the mix? They came from the same manufacturer (they were sent out to be matched) and were cut to length using a speed square maybe. You would think that newer shingles from the same manufacturer would outlast their older shingles.
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When the testing was performed to receive the original wind and product certification approval, the test was not conducted with two different size shingles of which one was cut to fit. Nor was the testing performed with two different aged shingles. Therfore, the original roof that was originally installed as a "system" no longer meets the original design. This voids the original warranty unless the original manufacture provides written verification that the original warranty is still in effect after installing 30 new shingles that have been cut to fit on the original system.
All the policy holder or contractor needs is a letter from the manufacturer stating the original warranty is no longer in effect and the entire roof must be replaced or the policy holder has not been made whole.
Trust me on this. I have been doing this for more than 4 decades now and have personally handled thousands of insurance claims in multiple states as a contractor, appraisal, umpire and expert witness.
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Those of you suggesting it's no big deal are correct from a practicality of repair standpoint.
From a perspective of collecting on what the HO is paying for is different. If the HO pays for a policy that states, as @Ayangonz has stated as "made whole", the HO is entitled to such coverage.
Jumping through hoops? Ridiculous level of repair for 30 shingles? Go through your homeowner's insurance paperwork. Premiums are paid for coverage. If one is covered, one is entitled. If you think that's stupid, that's fine, but realize that it's still being paid for. Either goes back to the HO or to the insurance co's bottom line.
From a perspective of collecting on what the HO is paying for is different. If the HO pays for a policy that states, as @Ayangonz has stated as "made whole", the HO is entitled to such coverage.
Jumping through hoops? Ridiculous level of repair for 30 shingles? Go through your homeowner's insurance paperwork. Premiums are paid for coverage. If one is covered, one is entitled. If you think that's stupid, that's fine, but realize that it's still being paid for. Either goes back to the HO or to the insurance co's bottom line.
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You my good man understand.
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