Adjusting & Being Involved in Roofing Industry a No-No!

Natty, it's all there. Read my post again.

Roofguy Said: Natty, its all there. Read my post again.

I have read all of your posts and still don't get it. Why not take the adjusters exam? It would be a mark of knowledge. The law does not say a licensed adjuster can not also be in the roofing business. They just can not do both at the same time.

Were you hoping to use that license as a way to deceive a property owner? Just how were you hoping to use that license?

natty Said:

Roofguy Said: Natty, its all there. Read my post again.

I have read all of your posts and still dont get it. Why not take the adjusters exam? It would be a mark of knowledge. The law does not say a licensed adjuster can not also be in the roofing business. They just can not do both at the same time.

Were you hoping to use that license as a way to deceive a property owner? Just how were you hoping to use that license?

Sigh. Yes, I was hoping to use my adjusting license to deceive people. Drats, you have foiled my plan. Damn you! I intended to make a lot of money screwing people with the cover that my adjusting license would have provided, and now you have ruined that.

Everything else you said is wrong, and frankly, I just don't have time to type out a response to your question when you're just flat out wrong about what Texas adjusters can and can't do. Go research that much first, and when you grasp what the new law passed in August allows...

Roofguy Said:

Everything else you said is wrong

Ok- in plain English the law says:

1. A licensed insurance adjuster can not work for an insurance company as an adjuster relating roof damage AND be in the roofing business, and 2. A roofing contractor can not act as an adjustor or advertise to adjust claims on property he might roof.

That's what I said and it ain't wrong.

Now, why did you want a license?

Well Natty, if you're going to quote the law, don't leave out the important part: ...or otherwise provides roofing services or roofing products for compensation, or is a controlling person in a roofing-related business.

Seems pretty clear to me.

I had and have no interest in adjusting insurance claims. I'd have to take a significant pay cut to do that and I'm too old and tired to take significant pay cuts.

It was going to be another feather in my cap, as well as a way to head off what I saw as the insurance industry trying to tie the hands of roofers. My goal was to beat the crap out of crooked adjusters (figuratively, of course) who screw insureds. That's what I've been doing for 34 years, just was trying to anticipate their restrictions/tactics..

It appears those days are over now.

Roofguy Said: It appears those days are over now.

It seems to me the whole point of becoming an adjuster is to work for an insurance company. But you can still learn everything an adjuster should know and even get licensed. Just don't work for an insurance company.

That said, it also seems to me it would be insane for an insurance company to hire an adjuster who had a financial interest in a roofing business. Therefore, the intent of the law must be to make the adjusting process more objective.

So before the law, was there a lot of insurance adjusters in the roofing business?

Years back, like in the 80's I remember Jim Day from Arkansas was traveling, adjusting and contracting.

I never knew how the game was played (just a shingler), still don't know .....but I always thought it was a bit odd.

natty Said:

Roofguy Said: It appears those days are over now.

It seems to me the whole point of becoming an adjuster is to work for an insurance company. But you can still learn everything an adjuster should know and even get licensed. Just dont work for an insurance company.

That said, it also seems to me it would be insane for an insurance company to hire an adjuster who had a financial interest in a roofing business. Therefore, the intent of the law must be to make the adjusting process more objective.

So before the law, was there a lot of insurance adjusters in the roofing business?

Natty, there are Texas licensed adjusters on this group who indeed make income from roofing ventures. Since I am against needless regulations, I intend to ignore it, but I have taken note and reserve the right to throw under the bus anyone I feel a need to. :-)

I'm located in Ohio and there is a roofing company in my area that just started up last year that states in their ads "licensed insurance adjuster".I looked at the Ohio Insurance website and it looks as if this is illegal as well in our state.Not sure how to handle it.

RoofGuy Depending on who the adjusters worked for you may have helped someone make a nice percentage on those claims. It makes nosense for an indepentant adjuster not to payout as much as possible on a claim. B) :) :) B) Deep Down In Florida Where The Sun Shines Damn Near Every Day

I assumed that independent adjusters know that if they're too liberal with claims, they will have a hard time finding work.

Most of the claims I was involved with were large loss claims and I assume that those claims are examined by higher ups.

Most if not all claims are QC'd( Quality Control). Indepentants and Staff are all rated based on claim accuracy.The higher the rating the more work the adjuster is given. Independant and staff will work all claims processing to the most allowable. Customer satisfaction is primary based on contract(Policy)provisions. The distinction between negotiating a loss and seeking information might be fine, but it is legally significant. The policyholder, not the contractor, has the right to negotiate the insurance claim. A roofing contractor cannot determine the rights and benefits owed to a policyholder. In fact, roofers and contractors who interpret policy language and negotiate policy benefits are acting illegally because they are not Public Adjusters. B) :) :) B) Deep Down In Florida Where The Sun Shines Damn Near Every Day

This law is a work in progress. It allows the adjuster to determine the true market value of H/Os damages, and by law he is not allowed to do that. So the adjuster is breaking the law. The scope of the damages has to be determined by the contractor and the adjuster is supposed to listen, then using... XACTIMATE.. arrive at the true market value once the scope is deemed accurate and acceptable. The point is...Contractor cannot act as a Public Adjuster and negotiate H/Os insurance claim. This is a personal opion. the courts will decide in the future B) :) :) B) Deep Down In Florida Where The Sun Shines Damn Near Every Day

CIAK Said: This law is a work in progress. It allows the adjuster to determine the true market value of H/Os damages, and by law he is not allowed to do that. So the adjuster is breaking the law. The scope of the damages has to be determined by the contractor and the adjuster is supposed to listen, then using... XACTIMATE.. arrive at the true market value once the scope is deemed accurate and acceptable. The point is...Contractor cannot act as a Public Adjuster and negotiate H/Os insurance claim. B) :) :) B) Deep Down In Florida Where The Sun Shines Damn Near Every Day

Which is to say that a licensed adjuster in Texas cannot be involved in any roof-related business, i.e., roof consulting, infrared roof inspections for a fee, roof equipment sales, etc.

I spoke to an official at the Texas Department of Insurance again today to make sure I was getting accurate information. He confirmed that there is no discretion, that no licensed Texas adjuster may be involved in any kind of roof-related business for compensation. He also said they are ramping up enforcement of this.

None of this been to court yet so it will be seen how it will be determined. B) :) :) B) Deep Down In Florida Where The Sun Shines Damn Near Every Day