Why did my insurance company send an engineer?
Please choose your answer below:
a. Because they care about me and want to pay my claim
b. The engineer is related to the insurance company CEO
c. Deny you claim
If you said “c” then you are correct, the #1 reason and the only reason an insurance company will send out an engineer for a roof claim or water claim is to deny your claim
Mike, I think you might be acting a little “over the top”, they’re not going to send an engineer out to inspect my roof then deny it, why would they do that?
Insurance companies send an engineer to inspect your roof because they think you won’t fight the claim after you see the report.
Let’s take a look at the most common engineering words and phrases you will see:
- Roof issues due to wear and tear
2. Roof is old
3. There is about 10-15% damaged area of the roof which falls under the Florida Building code 25% allotment
4. There is no “storm created opening”
5. The leaks are old, they have been there 6 months to 1 year
6. Roof was poorly maintained
7. Roof was poorly constructed and/or the workmanship is faulty
Let’s take a look at a real world Insurance Company denial of a roof claim based on an engineer’s report
(Click on the pics to see denial letter)
Can you deny the insurance company from sending an engineer?
Simple answer to this is NO
But Mike, why can’t I say “no I don’t want the engineer to come there is no reason for him to come”
Here is the reason why you can’t deny the insurance company from sending an engineer:
According to your insurance policy, if you don’t cooperate, they can deny your claim for not cooperating. With that said, we are at the mercy to insurance company when it comes to allowing an engineer come to inspect your property.
How can a public adjuster help?
First off, I really don’t care what the engineer writes in his report. Remember, they are “hired guns” paid and bought for by the insurance company. In all my cases where the insurance company hired an engineer, they have never had any effect on the final settlement. I know how to “neutralize” these bought and paid for “engineers.” The key here is to find a good public adjuster that knows how to deal with these type of claims where the insurance company hires an engineer.
If you happen to encounter this type of situation and need help, please call me sooner rather than later.
Mike Keeler, 754-252-5438