AboutJames R Carrier Expertise I'm an insurance adjuster, I'm able to answer questions regarding coverage, damage valuation, or anything to do with property & casualty in the State of Michigan. In other states I can answer general questions but insurance policies are written slightly different depending on insurance law in a particular state. Most questions however I would be able to answer or have the ability to get an answer.
Experience 20 years as a licsensed adjuster, handling 1000's of homeowners claims in Michigan, and Louisiana (Hurricane Katrina).
Education/Credentials Business degree with an emphasis on accounting from Arizona State University, graduating in the Fall of 1984.
Question Would lifted shingles call for an insurance company (State Farm, Illinois) to replace an entire roof? In a recent wind storm, our roof (with about 2157sf of surface area over several slopes) lost only a few shingles on two separate slopes. I was fine with State Farm's settlement to replace the 30 shingles required for these areas, but now a roofing company says I have lifted shingles and State Farm should replace the whole roof. The roofer says they'd convince State Farm to pay for the replacement, plus that of a large outbuilding we have. As nice as that might sound and, call me odd, we don't want to rip the insurance company off. Our composition shingled roof is only 7 years old. Is the roofing company just trying to make a fast buck, or should the roof really be replaced and should State Farm pay for it?
Answer Jim,
Since the roof had separate slopes with missing shingles, you have a strong argument to replace the entire roof. Certainly the roofer wants to replace as much as possible. The other buildings roof you really don't have an argument to replace unless there is damage. Let the roofer put in writing what needs to be done and get your adjuster back out there based on the roofer's findings. Also let him write up the argument on the other roof, use it as a bargaining chip to get your original damaged roof replaced. If you need something more contact me at jimsbook@hotmail.com.
