Are you a policyholder, insurance coverage restoration contractor, or public adjuster coping with a roofing declare adjustment involving roofing shingles with State Farm? Have you ever requested the State Farm adjuster for the method explaining how the adjuster is dealing with the declare? Why wouldn’t State Farm present and publish the trustworthy strategies it makes use of to regulate these claims with its clients for those who requested for them? 

I say this as a result of I used to be despatched a Shingle Locator Service protocol and critique of the identical, which said the next: 

• SLS was invented by State Farm, and is an inner service division.






• SLS was created to exchange State Farm’s use of ITEL as a Third-party verifier of constructing supplies, particularly roofing and siding.






• SLS notoriously offers again false positives. One prime instance (I can present proof from my very own information), is when shingles are discontinued and a brand new line or variation is launched to exchange it, SLS will auto-magically determine all supplies because the “new” one. Particular instance: when GAF discontinued their Timberline HD line, they launched the Timberline HDZ to change it. There are bodily variations within the shingles, and GAF advises that they can’t be blended, as they aren’t suitable. Nevertheless, SLS began figuring out all Timberline HD roofing supplies (put in and manufactured YEARS previous to Timberline HDZ’s existence), as Timberline HDZ shingles.






• The precise information connected denote that State Farm merely makes use of an inventory (hyperlink) offered by a producer to discover a distributor of what State Farm unilaterally identifies the fabric as. The essential a part of that is: AVAILABILITY IS NOT ACTUALLY VERIFIED BY STATE FARM. You’d suppose that might be an essential a part of a unilateral investigation used to make protection selections…






• State Farm will vehemently deny and “not settle for” any Third celebration documentation concerning identification of roofing supplies, and subsequently protection selections, together with ITEL. They may solely settle for their very own data, except you battle them tooth and nail, and escalate.

To be honest and balanced, State Farm is an American icon of insurance coverage. I’m sure they’ve folks at its house workplace in Illinois who learn this weblog every day. I invite them to appropriate something that’s incorrect or that State Farm wish to set the report straight upon. State Farm didn’t grow to be so profitable by repeatedly upsetting its clients and never having folks in excessive claims positions who lacked insurance coverage claims ethics coaching. 

I might recommend that everyone within the insurance coverage claims enterprise ought to take into account third-party vendor opinions from those that are credentialed and respected. Certainly, I don’t know why claims adjusters wouldn’t take into account shingle studies from third events, reminiscent of NTS, which is a competitor of ITEL. NTS notes as its mission:

We imagine in sharing data and knowledge for the advantage of property house owners, contractors, engineers, insurers and adjusters. We intention to be essentially the most dependable and respected supply of data in the case of the identification and associated documentation of roofing supplies.

The numerous difficulty raised from the data I used to be offered about State Farm’s roof claims dealing with course of is that it not desires to study from nor rely on third-party specialists and distributors.  

Roofing skilled Steve Thomas wrote a visitor weblog, Rent A Skilled to Examine Your Roof Following Hurricanes or Extreme Climate Occasions, which had the next recommendation:

Simply because a roof will not be leaking doesn’t imply it isn’t broken. Sadly, many maintain this view and do not need a educated roof skilled examine the property after a storm occasion. Water stains might present up six months and even years after the storm occasion as a result of the holes created are small and impede moisture ingress in the intervening time. Nevertheless, the water can and can ultimately migrate into the construction.

If your property, enterprise, or condominium went by means of Hurricane Ian, I strongly advise that you’ve got your roof inspected by a certified, educated skilled.

In case you are a State Farm policyholder or coping with State Farm a few roof declare involving shingles, please inquire about its SLS claims dealing with course of. If you happen to study something from State Farm, please let me know so we might help preserve everyone knowledgeable about how their shingle roof claims are being dealt with. Good religion claims remedy relies upon upon transparency. 

Thought For The Day 

I feel the foreign money of management is transparency. You’ve received to be truthful. I don’t suppose try to be weak every single day, however there are moments the place you’ve received to share your soul and conscience with folks and present them who you’re, and never be afraid of it.

—Howard Schultz, Starbucks CEO