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Insurance Law/shingle damage/replacement Insurance coverage

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Jc wrote at 2013-09-24 00:38:45
The previous reply isn't completely correct. Your insurance company according to most states are obligated to if needed, find and ship in the alleged shingle that is no longer made from a wholesale company specializing in previous made building materials. If this is unable to be performed, their next obligation is to find a comparative match. Basically something that would match very close to what's on your house. Sometimes it may require them to pay to install one section of the roof, take pictures and conclude if the appearance is acceptable( this is a state statute requiring them to do this. It's usually called deceptive settlement act or similar) anyway after this is done the question is whether the appearance closely matches. If it does not closely match the house they would be required to replace it. Hopefully this will assist you.

consumer law activist serving ohio.  


Jc wrote at 2013-09-24 00:40:40
The previous reply isn't completely correct. Your insurance company according to most states are obligated to if needed, find and ship in the alleged shingle that is no longer made from a wholesale company specializing in previous made building materials. If this is unable to be performed, their next obligation is to find a comparative match. Basically something that would match very close to what's on your house. Sometimes it may require them to pay to install one section of the roof, take pictures and conclude if the appearance is acceptable( this is a state statute requiring them to do this. It's usually called deceptive settlement act or similar) anyway after this is done the question is whether the appearance closely matches. If it does not closely match the house they would be required to replace it. Hopefully this will assist you.

consumer law activist serving ohio.  


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Kevin Hromas

Expertise

I am a licensed, executive general adjuster currently holding a Texas resident P&C license (614250), New Mexico non-resident all lines license (248774), Oklahoma non-resident P/F/M license (A299561), Florida non-resident P&C license (E117051) and a National Flood Insurance Program certification (06040100). My areas of expertise involve property and casualty issues in both residential and commercial policies with regards to claims practices and issues. I deal extensively with Lloyd's of London commercial policies and various domestic carriers for residential policies.

Experience

After a 20 year career as a General Contractor, I was employed by Allstate Insurance as an adjuster in Texas, holding various postitions within the property claims department. After leaving Allstate, I specialized in handling losses associated with major catastrophes through-out the country. (Hurricanes Isabel, Charlie, Wilma, Katrina, Ike, etc., hail storms, floods.) I am currently retained as an expert by multiple insurance defense firms in Texas for issues in litigation. I am also a certified Umpire for formal appraisals.

Organizations
Member - Society of Registered Professional Adjusters Fellow - Council on Litigation Management Member - Property and Casualty Association Member - Texas Independent Insurances Adjusters Association Member - National Association of independent Insurance Adjusters Member - Houston Claims Association

Publications
Claims Magazine (www.ClaimsMag.com and then search 'Kevin Hromas' for a full listing of articles and quotes.) www.ClaimsPages.com, www.ProAdjuster.org, www.KevinHromas.com

Education/Credentials
JD - University of Houston Law Center - 1992 BA - Southwest Texas State University - 1980 AA - South Plains College - 1977 PLCS - Personal Lines Coverage Specialist

Past/Present Clients
Certain Underwriters at Lloyd's, London, Fulbright & Jaworski (Law Firm), Bracket & Ellis (Law Firm) Thamm & O'Briant (Law Firm) Sheehy, Ware & Pappas (Law Firm) Walker, Wilcox and Matousek (Law Firm) Financial Guarantee Underwriters

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