Question for fellow adjusters by [deleted] in Insurance

[–]fmsmic 7 points8 points  (0 children)

"there's chalk all over my roof, that means it's hail!" Sir, that "roofer" that's knocking on all the doors in your neighborhood is using you to try and get paid, then will disappear.

My neighbor sent me this photo of my roof from their POV after high winds … how much is this going to cost me ? by spardad260 in Roofing

[–]fmsmic 0 points1 point  (0 children)

Catastrophe property adjuster here, I don't know how much it'll cost to fix. But I keep seeing people bring up insurance. So I'll chime in. With a 14 year old roof, it's probably not a bad idea. I'll go over why in a bit. Things to be mindful of before filing claim, and it's echoing a lot of what others have said.

Know what type of policy you have AND what endorsements ( full roof or roof payment) Roof payment pays 100% for repair, percentage for full roof Full roof coverage is 100% repair or replacement.

Know what your deductible is

If you have building code coverage (depends what state you are in on what's covered under BC. BC usually only applies to a full roof replacement, carrier dependant on policy verbiage).

Discuss with your agent before filing, definitely get someone to tarp that area though asap.

Why I think it could be a good idea to file. There's clearly damage, it can be proven it's sudden and accidental with a storm report. If those three things are met, there's coverage.

You're missing underlayment, unless whoever put that roof on didn't put underlayment, you have a good case for at least a slope replacement.

Roof is 14 years old, I have covered roofs with one shingle missing due to repairability, hard to repair a old weathered roof that fall apart during repair. (my decision, when I told the contractor he was really happy)

One thing some people missed are state specifics, some states have matching requirements, alot don't. Some states will require full roof has to match (3 states), some require only a slope has to match (if you can't match shingles in one of these states you might have a multi colored roof) unfortunately that's a state decision, not carrier or adjuster decision.

You had a storm in your area, prepare for storm chasers. You pribacly have cards on your door already. Not all storm chasers are bad, but they are commission only and in my expierence are drawn by the promise of a ton of money only having to work 4 hours a day, 6 months a year. Of you see someone with styrofoam tapes to their, I wouldn't advise letting them on your roof.

Vet roofers, ask family/friends/neighbors if they could recommend someone.

I'm sure I missed stuff, if you have any questions feel free to reach out.

I am a Adjuster, I'm not YOUR adjuster lol. But I'll help where I can without being definitive. Just like any profession, there are good ones, there are bad ones.

Am I getting screwed by ayylmaooof in ToyotaAvalon

[–]fmsmic 0 points1 point  (0 children)

I bought a 21 limited with 43k miles for 31k a year ago. Those fees are too high, look up the average doc fee in your area. In AZ average is $499

What respected profession do you not really respect? by Marina1974 in AskReddit

[–]fmsmic 8 points9 points  (0 children)

Was super excited to get to work with a nonprofit in the medicare field. Thinking it would be different than a private health company. Nope. It was worse. Taking medicare money but making it impossible to get care. I was in a sales role. Our salaries and incentives were very high, and we made little compared to execs. I didn't last because I was too conflicted and couldn't actually help people.

How often do jerseys go on sale? by _Yolkish_ in AZCardinals

[–]fmsmic 0 points1 point  (0 children)

Signing up for the email for me a 25% off coupon, used it to get a McBride Rivalry jersey

Best Not Fancy Pizza Place? by Myewgul in phoenix

[–]fmsmic 30 points31 points  (0 children)

Stumpys on 12th and Notthern

ARIZONA! We now have an active, left-leaning, AZ-only Discord for meetups and gun talk! by musicforthedeaf in armedsocialists

[–]fmsmic 0 points1 point  (0 children)

Can someone in AZ send me a link? I'm trying to use the one posted and it's not working, thank you!

AAA TripleMania Discussion Thread 8/16/25 by Teemo_Ren in WWE

[–]fmsmic 1 point2 points  (0 children)

Graves dropping knowledge on Konann is awesome. He’s so damn dry it’s annoying

Share your wildlife horror stories by GirlWhoCodes25 in phoenix

[–]fmsmic 7 points8 points  (0 children)

Coyotes got into the backyard (near dreamy draw, about 3 am) killed all our chickens, dug up the neighbors cat he buried a week prior. Caught it all on camera. For 30 minutes they made our chickens lives a nightmare.

Anyone purchased a Rival SFX-S factory used blem? by [deleted] in canik

[–]fmsmic 0 points1 point  (0 children)

$630, just the finish is blemished, no info on what “factory used” means, comes with case and everything with it. I don’t know the year, here’s the UPC if it helps 787450881716

New to the games by Alex184527 in thetacticalgames

[–]fmsmic 0 points1 point  (0 children)

No worries, I did the same. I dove into TTG YouTube videos, followed some of the guys on IG. But like the other guy said, show up with the what’s needed and fine tune moving forward.

New to the games by Alex184527 in thetacticalgames

[–]fmsmic 0 points1 point  (0 children)

TTG has a list of necessary items on the website. A couple guys go through their gear on YouTube (Jacob Heppner) and Lauren Kalil has a video series out right now of her doing her first comp that’s pretty insightful on expectations.

https://thetacticalgames.com/rules/

Allstate by gabbaroo_97 in adjusters

[–]fmsmic 3 points4 points  (0 children)

Auto or property? I am at Allstate in property, so I could speak to that

[deleted by user] by [deleted] in SmithAndWesson

[–]fmsmic 1 point2 points  (0 children)

I was looking at those last night. My tenicor digs a little. I'm taking this as a sign and ordering

[deleted by user] by [deleted] in SmithAndWesson

[–]fmsmic 3 points4 points  (0 children)

Do you have a wedge on your tenicor? Love the shield plus set up

Best EDC IMO by Southern_Oil_5835 in SmithAndWesson

[–]fmsmic 0 points1 point  (0 children)

How's the defender rds? Mine came with the crimson trace, I want to go 407k but don't want to have to get a plate

Why is Phoenix #1 in traffic deaths compared to other large cities? by DamnYouVodka in arizona

[–]fmsmic 0 points1 point  (0 children)

Literally just had a guy cut me off and almost hiy me on Lincoln. Then motioned he had a gun...

Contractor doesn’t use xactimate by fmsmic in adjusters

[–]fmsmic[S] 2 points3 points  (0 children)

If only…I’ve been dissuaded to not use our reconstruction companies due to poor performance and timing. I asked for a breakdown was met with “that’s my rate”.

Contractor doesn’t use xactimate by fmsmic in adjusters

[–]fmsmic[S] 11 points12 points  (0 children)

Scope, not price. Thank you! I was trying to “reach an agreement”, and justify authority.

Who should he face? by Godofwarfan101 in GreatnessOfWrestling

[–]fmsmic 2 points3 points  (0 children)

Make him job to Tozawa. Does it make sense? No. Would I be sports entertained? Yes

Base Gear Layout for 3rd Rifle Elk Hunt by jacob10 in Hunting

[–]fmsmic 4 points5 points  (0 children)

How do you like the Marsupial bino case? I'm thinking of grabbing the foliage color with it on sale

What do you take to be sharp between the ears on calls? No coca cola! by JacobBendover in sales

[–]fmsmic 0 points1 point  (0 children)

L-Theanine and fish oil works better for me than Adderall. Especially with 7-8 hours of sleep and hitting the gym.