Current Status
Not Enrolled
Price
Free
Get Started

The Commercial Roofing Loss course is designed to familiarize adjusters and litigators with important aspects of commercial roofing types, construction, assembly, and vulnerability to loss. The module is presented by Gerald Mercer, a Professional Engineer.

Mr. Mercer begins by describing types of commercial roofs an adjuster will encounter while investigating losses. The instructor explains how these roofs are designed and rated to resist wind, hail, and fire loss and how they are rated by testing laboratories. The second portion of the program deals with loss investigation and provides essential information to allow adjusters to recognize potential problems in the field.

After completing the course, the attendee will be able to better understand commercial roofing losses, the importance of roofing system specification, the causes of roofing losses, and opportunities for subrogation related to roofing losses.

After completing the course, the attendee should be able to name the main types of commercial roofing; list the components of roofing systems and their functions; explain the importance of roofing specifications and how they relate to loss investigation; describe the forces of wind on various areas of a roof and roof system and how that relates to proper roof design; name the areas of a built-up roof system that are susceptible to hail damage and those that are not susceptible to hail damage; list the potential causes of damage to EPDM roof coverings; explain the causes of roof ponding and the long term effects of ponded water; describe the symptoms of freeze damage on a roof; discuss the causes of alligatoring and recognize it in the field; articulate the causes of bubbles and blisters on a single membrane roof; describe a potential cause of hail damage to metal roofs; discuss the potential benefits of thermal imaging to evaluate the scope of loss; and list the parties that may be liable under theories of subrogation where a roof suffers wind damage due to speeds lower than the design wind speeds established in the building codes.

The course is designed for adjusters, managers, attorneys, and other insurance claims professionals involved in the area of first-party property insurance coverage and litigation.

What CE Credit is available?

Note: To qualify for credit, you must submit completion (including a passed final exam if required) within five days of completing the last quiz. No partial credits will be awarded.

State:
Adjuster General CE Hours:
Adjuster Ethics CE Hours:
Attorney General CLE Hours:
State's Course ID:
NH 2.0 465511
TX (classroom equivalent) 2.0 138420
NC 2.0 C78900
FL * ( Provider Number: 364169 ) 2.0 1200488
WY 2.0 26231
OK 2.0 1026076
IL 2.0 485509

* This course has been approved by the Florida Department of Financial Services for insurance continuing education credit.

Course Content

Lesson Content

1) Introduction and Overview
a) Structure
b) Failure analysis
2) Roofing Broad Categories
a) Residential
i) Steep slope
ii) 3 on 12 and greater
b) Commercial
i) 3 on 12 or less
ii) Low slope
iii) Flat roofs
3) Types of Commercial Roofs
a) Built-up
b) Single-ply modified bitumen
c) Spray on Foam
d) Metal Panel Roof
4) Roof System Components
a) Deck
b) Vapor Barrier
c) Insulation
d) Membrane
e) Specifications
5) Built-Up Roof System
a) Metal Deck
b) Insulation
c) Felts
i) 3, 4 and 5 ply
ii) Base sheet
iii) Reinforcing felts
iv) Tar/asphalt
d) Coating
6) Roof Testing
a) Testing Companies
b) Factory Mutual
c) Underwriters Laboratories
d) Testing Areas
i) Fire Resistance
ii) Wind Resistance
7) Wind Contour Maps
a) International Building Code
b) Application by architect
c) Relation to testing
d) Subrogation issues
8) Quiz – Reinforcing Part 1 Materials
a) 5 multiple choice questions
b) 4 choices per question
c) A second quiz if less than 80% score on first quiz

Lesson Content

1) Wind Speed Specifications
a) FM Data Sheets
b) Roof Areas
i) field area
ii) perimeter
iii) corner
2) Wind speed and uplift force in roof areas
3) Support Decks
a) Roof system component
b) Types
i) Metal
ii) Concrete
iii) Wood
iv) other
4) Metal Decks
a) Types
b) Selection issues
c) Relation to roofing system
d) Subrogation issues
5) Concrete Deck
a) Poured
b) Precast
6) Wood Decks
a) Plywood
b) OSB
c) Resources
7) Insulation
a) Component of system
b) Rigid Board
i) Asphalt fastening
ii) Mechanical fasteners
(1)
Type
(2)
Layout
(3)
count
c) Lightweight concrete
i) Actual weight
ii) Example failure scenario
d) Batt
8) Quiz – Reinforcing Part 2 materials
a) 5 multiple choice questions
b) 4 choices per question
c) A second quiz if less than 80% score on first quiz

Lesson Content

1) Membrane
a) Roofing Component
b) Waterproofing
c) Types
2) Built-up Roof Membrane
a) Base sheet
b) Reinforcing sheets
c) Positioning
i) Layout
d) Asphalt
e) Blisters
i) Installation issues
ii) Causes
iii) Non-causes
3) Single Ply Membrane
a) Single layer issues
b) Laps
c) Modified Bitumen
d) EPDM
i) Ballasted
ii) Mechanically fastened
4) Standing Seam Metal Roof
a) Fasteners/spacing
b) Installation
5) Surface Coatings
a) Roofing component
b) Purpose
c) Ultraviolet light
d) Aluminum oxide
e) Gravel
f) Mineral granules
6) Quiz – Reinforcing Part 3 materials
a) 5 multiple choice questions
b) 4 choices per question
c) A second quiz if less than 80% score on first quiz

Lesson Content

1) Overview
a) Design/application
b) Materials
c) Installation
d) Maintenance
e) Storm
2) Faulty Application Case
a) Design
b) Application
c) Failure to adhere to manufacturers specifications
3) EPDM Susceptibility
a) Snagging, tearing, punctures
b) Debris on roof
c) Wind blown debris
d) Maintenance contractors
e) Tools boxes dropped tools
f) Examine areas around roof top equipment
4) Ponded Water on Built Up Roof
a) Leading cause of premature failure
b) Water leaches chemicals from asphalt
c) Leaching accelerates loss of water proofing properties
d) Structural engineering issues
e) Dirt circles as evidence of ponding
5) Approach to roof inspection
a) Try to prove covered loss
b) Independent evaluations
c) Look for other evidence supporting claim
i) i.e. wind damage
ii) corners, edges,
iii) antenna
6) Inadequate coatings
a) Insufficient coating
b) Alligatoring/cracking
c) Water in cracks/leaching
7) Freeze damage
a) Tear usually in center of roof
b) Usually down long part of felts
c) Usually only a single tear
8) Quiz – Reinforcing Part 4 materials
a) 5 multiple choice questions
b) 4 choices per question
c) A second quiz if less than 80% score on first quiz

Lesson Content

1) Hail damage
a) Built-up Roof
i) Susceptibility
ii) Testing/Inspections
b) Metal R Channel Roofs
2) Trapped Moisture
a) Sprayed on Foam
b) Bubbles/Blistering
c) Causes
3) Flashing
a) Defined
b) Purpose
c) Specifications and Testing
d) Wind Damage
4) Wind Speed on Buildings
5) Repairs
6) Thermal Imaging
7) Quiz – Reinforcing Part 5 materials
a) 5 multiple choice questions
b) 4 choices per question
c) A second quiz if less than 80% score on first quiz

Submit within 5 days to get CE Credit or Certificate of Completion.