I’m a cat adjuster so I see tons a roofs all over the US. IMO you are correct. Most of it appears to be blistering and minor UV degradation. I believe you made the right call, as you only had 3-4 maybes and it’s never easy for anyone to look at 4 maybes and feel good about throwing the shingles in the landfill if they still have good life in them.

God there are so many people commenting on this video that have no fucking idea how insurance claims work. They admitted to the shingles being wind damaged. At that point, the adjuster needs to access the brittleness of the shingle. If it is too brittle to do repairs, they then have to replace entire slopes that have damage. Depending on the area's like match laws, view from the street, etc, they may have to pay for the entire thing. It doesn't matter how old the roof is, unless the insurance company claims it is all wear and tear and has nothing to do with wind or hail. Also, people keep comparing roof replacement to car repairs. They are not the same thing. If you are unable to do repairs on a roof because surrounding shingles will be damaged, the insurance company is on the hook for that, whether you believe that should be the case or not. That is just how it works 😂

This is maintenance neglect. I have a 30 year old roof on a 20 year shingle. I need help. Am I supposed to call my insurance company and say replace it just because?

we are dealing with exact same issue with an Allstate customer, his roof is 30years old, has code coverage and depreciation amendatory endorsement, they are denying him.

Allstate calls me every few days from call centers around the world to ask me how I am doing today. I tell them fine and hang up. What a nice company to care so much about how my day is going.

Nothing like throwing a fellow contractor under the bus.

Allstate scammed me, and nothing I could do about it even if I got a lawyer. All I’m saying people is get away from them. I personally know a half dozen people that got the shaft from them. Go to your agent and ask what they pay for a destroyed computer. Or refrigerator, they will not cover it, thousand max! I paid $2800 for computer, got $200. And I had their max coverage!!!! I had over 3 grand in damages, got check for $400 with a $250 deductible! One call, just call up your agent and ask how much you will get for certain items, then list the items. Fridge, stove, dishwasher, computer, cloths washer & dryer etc etc etc. if they say covered with no depreciation, have them PUT THAT IN WRITING!!!! Again I was told max 1 grand for fridge no matter how much mine was or worth. After the fact he lied to me told me computers were covered 100%, got $200, paid $2800, and it was ONLY 6 months old!!!

Closed valleys. Nope.

You guys are hacks

Man you guys are hacks

Am I the only one that noticed that the roof was deemed "repairable" when there were a handful of shingles that needed to be replaced, probably because of issues that weren't covered by the insurance. But as soon as the insurance is on the hook for the repair, it is suddenly "unrepairable" and needs the entire roof replaced. This is the dilemma that insurance companies are up against now is that roofing companies will make small repairs here and there to prolong the life of the roof when it is the homeowner responsible for paying but as soon as the insurance company is responsible for paying, the game changes and it has to be a full replacement. The small repairs that they are making for the homeowner are just trying to buy time for that homeowner so they can get some a hail or wind storm to damage a few shingles so they can get the insurance to pay for the big cost of replacing the roof when, by their own logic, the homeowner should have already paid to replace the roof instead of doing these small repairs. Those small repairs also often make the roof more susceptible to wind damage because they are either not done correctly or should not have been done because the life of the roof had already expired (notice that the shingles immediately around those repairs in this video are the ones that failed during a windstorm). Given that a typical roof replacement is $15K+, it takes many years of insurance premiums for the insurance companies to recover the cost of replacing the roof on a given house now that they are likely to have to pay for a new roof for every single house that they insure because of this "repairable for the homeowner but unrepairable for the insurance company" game that a lot of roofers are playing now. Don't get me wrong. There are bad insurance companies and bad insurance adjusters out there, but there is another side to the issue as well that the roofers are creating.

Omg 20 year old roofing is already trash... that's what you get when you cheap out on everything *chuckles in german*

I can’t speak for you where you’re located, but here in Florida OSHA would be all over us for crawling on a pitch like that with not even a thought of a harness!

Glad I don't own a home! These roofing problems create expenses owners never imagined. My sister is selling her new built home (4 1/2 years old) and finds out the shingles are bad and roof needs replaced, contractor used defective Malarky shingles when they built the house! Looking at a $13,000.00 bill unless manufacturer of shingles covers the replacement. Glad I rent!

So who is the worst insurance company to deal with for this type stuff?

Unbelievable. I am switching to State Farm immediately.

My son works as adjuster. Most of his calls are from people that did not maintain their homes...and want insurance company to pay for the damage.

This is a cheap roof and an old roof. As such it was easily damaged by the wind...and not repairable. It has to be replaced. When you consider the deductible and the age of the roof (depreciation) insurance company doesn't have to pay very much...yet they refuse to.

You are really bending that back as far as possible with your thumb.

Bro just by looking at it it’s old

Cheap three tab. It will all leak due fact tabs should not lift up and are failing to seal.

Insurance and roofing companies are all scam artists we need to ban 3 tab roofing and any composite asphalt roofing and enforce a 300 mph wind code and 200 mph hail pea,golf ball and baseball size hail,code and foof and eve must take 3500 f heat for 24 hrs. That way stop putting on cheap roofs for massive amount of money.

Easier to get a loan and replace the roof instead of dealing with insurance

There is a special tool designed to get the nail under the tab without putting your hand under the tab, do some studies on your craft idiot, your not pro at all.

Do what you want but i saw other people demonstrate this and this aint it.

any reason you guys don't use good old fashioned roof tiles over there?

You answered your question. The roof is so old it needs a new roof. Its not the insurances responsibility to give you a completly new roof just because it lasted its lifetime +/-10%. Roofers are like leaches. Wait till a storm hits and they flood your streets like cockroaches only looking to make a quick buck. Worst part is alot of states dont license them and joe blow off the street can come look at your roof and dick you around

All the insurance carriers need to be charged for racketeering

Is there roof Maintenance is that a thing? Cause I would maintain it fr

All state and state farm are scamming people it's taking me 3 months now to get paid for jobs we have already completed

Can you help me I have elderly clients that's keep getting denied please

I was with Allstate for 34 years and never filed a claim. They pissed me off and I am with another now. The agent considered himself a friend, but I have always considered him a slime ball kiss ass even before he was my agent. Allstate wanted to do an inspection and I said no problem, but I must be there. They trespassed on my property while I was gone and caused damage by running their drone into my tower. I wasn't there, so I could not prove it was them.

I've roofed for decades. It depends on were you live in the country, meaning the type of year round weather your home encounters, the average "25 year" roof will last around 20 years...that wind damage acured because that roof is old and brittle and that's on the homeowner...

LOOK AT WHAT YOUR POLICY COVERS AND ENDORSEMENTS😂

Get a public adjuster involved.. problem solved

Says the "Tool" contractor wearing his hat backwards 😂😂😂

Even if you can successfully replace the shingle, your roof is gonna look like shit with mismatched shingles. Insurance is suppose to make you whole again. Not give you a patchwork eyesore that decreases the value of your home

is state farm the worst ?

Everything Allstate does is a rip-off.

All state and state farm are the worst in my opinion as they will deny 90% of claims

Maybe stop depending on insurance companies to replace minimal damaged roof that is already at its age life

As much as i hate allstate, Everything you said indicated that it should be a basic repair. You say theres 19 damaged on one slope, but your video shows other slopes with little to no damage, so youre counting the worst to inflate the rest. 19 damaged shingles but likely we are talking individual tabs not full shingles. Then you take 80% of the life away factor depreciation, and Allstate has a fair estimate. The best arguement is the repairability/brittleness but it sounds like youve said it without actually proving it

What a terrible invention for roofing, here in the UK we use ceramic tiles

These guys always pick roofs passed there time If that roof was replaced when it should of been it wouldn’t of been damaged.A policy is not a down payment on your next roof.

I am by no means siding with the Ins company , but if the roof is a 20 year shingle and its 20 years old or older than would that not be considered normal wear and tear ?

Definitely not damage, respect to you for being honest and knowledgeable.

YOUR not in good hands with allstate

Insurance is literally a scam, bro. A government sanctioned scam.

There is a reason why all these insurance companies are pulling out of these markets. People let their rooves go for 15 or 20 years and then want their insurance companies to pay to replace them.

First of all crappy workmanship , and obviously you didnt work on it. And that pich hoprr thing doesnt work.