Insurance Claims & Adjuster Disputes
Xactimate line items, code-upgrade coverage, matching statutes and the arguments that move a carrier.
- Why Adjusters Call Creased Shingles “Mechanical Damage”Adjusters label wind-creased shingles as mechanical damage to shift the cause from the storm to foot traffic or installa
- The Repairability Test: Proving a Patch Will Destroy the RoofThe brittleness test shows whether damaged shingles can be replaced without breaking the surrounding field. When they ca
- Overhead & Profit: Triggering the Three-Trade RequirementMost carriers apply general contractor overhead and profit when a loss involves three or more trades. Documenting the tr
- Xactimate RFG DRIP vs RFG DRIP+: Why the Code Changes Your PayoutRFG DRIP and RFG DRIP+ are different Xactimate line items for drip edge. Using the wrong one understates the material an
- Ordinance & Law Coverage: Getting Drip Edge and Ice Barrier PaidOrdinance and law coverage pays to bring a repaired structure up to current code. On a re-roof that usually means drip e
- Reading a Summary of Loss: RCV, ACV and the Net Claim TrapThe first insurance check is smaller than the estimate on purpose. Understanding depreciation, the deductible and recove
- The Cosmetic Damage Exclusion: When Metal Roof Dents Get DeniedCosmetic damage endorsements let carriers deny hail dents on metal roofing and siding when the material still sheds wate
- Discontinued Shingles and Matching: Using ITEL to Justify Full ReplacementWhen a damaged shingle is discontinued, a partial repair cannot restore uniform appearance. An ITEL laboratory analysis
- Matching Siding Statutes: Can Insurance Leave One Wall a Different Color?Carriers routinely approve siding on one elevation only. Whether they can do that depends on your state’s matching provi
- How Desk Adjusters Cut Estimates With EagleView Measurement GlitchesAerial measurement reports miss gutter runs, undercount valleys and misread pitch on complex roofs. Those errors flow st
- Requesting a Re-Inspection When the First Adjuster Missed HailA re-inspection is a formal request, not a complaint. Here is the sequence that gets a second adjuster on the roof with
- Granule Loss on Architectural Shingles: Failure, Not AgingCarriers attribute hail granule loss to normal weathering. The distinction is whether the mat is exposed and whether the
- The Line Items Adjusters Leave Off Roof EstimatesStarter course, ridge cap, drip edge, valley metal and ventilation are required on every re-roof and routinely missing f
- How Carriers Use “Wear and Tear” Against Wind-Lifted ShinglesWear and tear is excluded from every policy. Carriers apply it to wind damage by pointing at the roof’s age rather than
- Soft Metal Corroboration: Proving Hail With Gutters, Vents and A/C FinsSoft metals dent before shingles bruise. Documenting them establishes that a hail event occurred and how large the stone
- The Seepage Clause: Why Ice Dam Interior Damage Gets DeniedPolicies exclude damage from water that leaks over a period of days or weeks. Carriers apply that clause to ice dams, an
- The Duty to Protect Property Clause: Getting Steam Removal ReimbursedYour policy requires you to take reasonable emergency steps after a loss, and to pay the reasonable cost of doing so. Th
- Appraisal, Public Adjuster or Contractor: Breaking a Claim StalemateThree routes exist when a carrier will not move, and they cost very different amounts. Which one fits depends on whether
- Recoverable Depreciation Deadlines: When the Build Runs LongRecoverable depreciation is released after the work is complete and documented — but only within the window your policy
- Underlayment Code Upgrades: Forcing Full Synthetic ReplacementCode sets minimum underlayment for a re-roof. Where the existing roof falls short, ordinance and law coverage pays the d