4 Reasons We Get Starter and Ridge Paid Separately From Field Waste Every Time
By Greg Cannon, Coppermark Public Adjusters
There a couple of things to keep in mind when doing any kind of insurance scope supplementation. As a contractor, you are not licensed to negotiate the price or interpret the insurance policy. However, Contractors CAN justify what they are charging when asked, and contractors ARE licensed and required to follow Building Codes at the State level. So, there are some questions to consider. Are the Insurance Adjuster’s licensed as contractors? What qualifies them to properly estimate a roof construction project, or interpret the Building code or the manufacturer’s installation instructions? And who gives the Insurance Adjuster the authority to demand that you, the Contractor, jeopardize your license and good standing with manufacturers by ignoring the Building Code and/or removing required code items from your Scope of Work?
So, here are the 4 reasons that Starter and Ridge ARE NOT included in the waste, and never have been.
Reason 1: The manufacture’s instructions requires Hip and Ridge shingles, and a Starter course. These are separate materials from field shingles that are packaged separately, and purchased separately.
Who gave the insurance Adjuster the authority to interpret, ignore, or change the manufacture’s installation instructions?
HIP AND RIDGE Shingles
Reason 2: The Building Code requires that the manufactures instructions be followed, but it also prohibits leftover materials to be installed on a new roof, or re-roof project. R904.4 states that “roof covering materials shall be delivered in packages bearing the manufacturer’s identifying marks and approved testing agency labels.”
Who gave the insurance Adjuster the authority to interpret, ignore, or change the locally adopted building codes?
Reason 3: “Because Xactimate doesn’t say so”. Not only are the H&R and Starter shingles not included in the field shingles line item description, the individual line item for starter or ridge do not account for the haul off or disposal of those items.
Who gave the insurance Adjuster the authority to make up wording, and change the line item descriptions in Xactimate’s program?
Reason 4: “How about we use Xactimate’s definition of waste?” And two other references for good measure. These references refer to construction waste as “Material that must be purchased but cannot be used. WASTE can result from trimming, rejection because of defect or other efforts to maintain acceptable quality of the structural part containing that material. A percent of WASTE should be included in virtually all material calculations.”
Who gave the insurance Adjuster the authority to change the common definition of waste, or Xactimate’s definition of waste?