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06-23-2015, 02:07 PM #1
National Roofing Inspectors Who Never Climb Roofs
My insurance agent notified me recently my roof didn't qualify for a better insurance rate because according to a third party inspector from the "National Insurance Inspection Services" my roof had evidence of cupping, curling and lifting and that it only had 5 years of life left. I told my agent my 25-year grade roof was only 3 1/2 years old and in excellent condition. He said the inspectors word was final.
I recently received a copy of the inspector's check list report that looked like he bought it from a dollar store. Photos were included to "prove" his findings. The photos were taken from the ground during a time of day where shadows were strong. I just found out that they don't climb roofs because of liability issues.
I just got off the phone with one of the NIIS reps. He kept saying that he could "see" lifting on several shingles. I kept telling him the photos are not close ups. I challenged him to call a local TREC or Haag inspector to re-inspect my roof. I would pay their fees if they found one problem with my roof. If not, he would pay. Of course that was a waist of time.
Making definitive comments and conclusions on the condition of a roof without climbing a roof is so ridiculous. I don't see how this company can legally be in business.
06-23-2015, 02:35 PM #2
Re: National Roofing Inspectors Who Never Climb Roofs
I used to do these but quit due to the low payment mandates in the law.
Check your roof first for these issues that would prevent coverage:
(i) No roof coverings that are curling, cracking or have missing shingles;
(ii) No roof coverings that show signs of significant deterioration; and
(iii) No roofs that have been improperly installed or repaired.
is the website for the full details.
You will want to check with your insurance carrier to see if they will accept this state mandated inspection.
- - - Updated - - -
I forgot to add that you will have to pay the inspection fee.
And I also found this which seems to say they would have to reinspect with their own inspector to override the certificate of insurability that the VIP inspector would provide.
(3) If a Certificate of Insurability (Form VIP-1) is provided to an insurer as part of an application for residential property insurance, the insurer may not use property condition as grounds for refusing to issue or renew a residential property insurance policy unless the insurer reinspects the property and specifies in its declination letter the conditions of deficiency causing the residential property risk to be uninsurable.