Claims Guidelines and Fact Patterns – Case Study #4 Tile Roofs and “Red Solo Cups:”
From where I sit, I am seeing a huge deficit in the understanding of the differences between tile roofs and composition asphalt roofs. We’re talking picnics versus fine dining. Think of asphalt shingles as your disposable paper plates used for barbeque, where tile roofs are your fine china.
When you wrap up a barbeque, you bag all the paper plates, plastic tablecloths and “Red Solo Cups” and throw it all away. When you drop and break a piece of your fine china, you replace the individual piece. You don’t throw it all out and replace the whole set. It is absolutely and completely nonsensical.
When there is a weather-related loss to a tile roof, don’t jump to totaling the roof without considering all the facts. In many instances, the repairs can vary from replacing individual tiles to a “Lift and Relay” ahead of deeming the entire roof a complete total. In short, a “Lift and Relay” is taking off all of the tile, addressing any underlayment issues and reinstalling all salvaged tile, replacing the individual damaged tiles.
Here’s a link to the Tile Roofing Industry Alliance with a short write-up on the “Lift and Relay” of the Gracemont Mansion:
https://tileroofing.org/industry-insights/lift-and-relay-of-gracemont-mansion-the-bush-school/
To remove and replace a tile per standards typically takes roughly 5 minutes per tile. OK you Florida folks, no need to scream from the rooftops “But we’re different!” Understand that some tile is very dense. Before removing a roof for a “Lift and Relay,” it is possible to take a sample to send to the manufacturer for testing. This isn’t typically necessary but can provide peace of mind for the building owner.
If you want to know more about tile roofs, let me know. I’d be happy to discuss what I know and then point you to the right experts.
New and Reclaimed Roofing Solutions
11 个月This is a great analogy. As you know, I have over 20yrs of experience exclusively in the tile and slate roofing industry. I have seen a shift of sorts, from restoration efforts to full replacement efforts over the past 5-10yrs. Seems as though perhaps it’s “easier” to simply replace a roof vs. repair. It’s a sad situation knowing you have thousands of squares of great quality tile and slate roofing being dumped into landfills every year. Some of the reasoning is the labor cost to carefully remove. In some cases, it’s the contractor’s business model to replace outright and dispose of the existing. Either way, there’s tremendous unnecessary waste annually.
Executive Leadership | Enterprise Solutions | Strategic Customer Success Leader
4 年Excellent article. Thanks for sharing.
Litigation Specialist IV at Security First Insurance
4 年Thank you Tim. Good time to share this before our next hurricane!
Florida is only different because of public adjusters and one way fee statutes. Not something to be proud of.