Class-Action Lawsuit Settled
If you have a fiber cement roof
(e.g. Hardishake, Maxishake,
Cemwood, etc.) in the
Dallas-Fort Worth Metroplex, you should read every
word of this report. Find out why filing
a Hardishake lawsuit claim is a waste of time
for almost everyone.
MaxiShake, and Cemwood were
originally sold as lifetime roofing they now reveal
their *alleged fatal
flaw. In fact, your Hardi Shake roof may already be showing signs of failure:
breaking, cracking, delamination, discoloration, or
In 1996, the marketing representative
for HardiShake trained a small handful of
my colleagues to sell their product. As he
explained it, the fiber cement shingles were made by rolling a wire
mesh wheel through a mixture of sand, wood
"cellulose" fibers, and cement. As the wheel
turned, it picked up another layer of the mixture.
When the collected layers reached 1/4" thickness,
they were stamped into shingles with either a
"shake" or "slate" imprint.
The shingles were laminated creating a moisture
Within a few years of installation,
customers in Colleyville reported chips
of shingles falling from their roof.
I've recently inspected homes in Dallas, Fort Worth,
and Arlington where the shingles are cracked in two. Another common
complaint is that it is impossible to hang Christmas
lights without damaging the roof further. You
may have noticed that your roof has changed color,
become "dirty", or possibly has started to
In the past, concrete shingles were made with asbestos
fibers that served to increase their
strength and durability. Due to serious health
concerns caused by asbestos, manufacturers were
forced to find an alternate way to simulate these
benefits. The alternative became wood
"cellulose" fibers. While wood fibers
initially did a good job of adding strength and
durability to concrete shingles, many soon revealed
their alleged fatal flaw.
When it rains, unprotected wood fibers attract and
hold water. As
the temperature changes, the fibers expand and
contract separating the shingle back into thin
One of the important
dynamics to look at when studying premature
shingle failure is "capillary
suction". Moisture can get into and
behind the shingles because they sit tightly on
top of each other. Water appears to defy
gravity when it is drawn backwards (wicking)
into the overlapping above fiber cement shingle.
The way to defeat capillary suction is to
perfectly seal each shingle (yeah right!).
Another method is to ventilate the space between
each shingle by creating a gap.
Unfortunately, shingles work best at shedding
rain water when you eliminate the gaps! It
seems to be a proverbial Catch 22.
Bigger In Texas
Our damp climate causes the shingles
to fail at a much faster rate than in other parts of
the country. Each change in season reveals
further damage... eventually leading to extensive
interior water damage in your home. Unfortunately, most
insurance companies will hold
you responsible for those costly repairs due to your
faulty roof. They will rightly
claim that your policy does not cover manufacture
defects. It will cost you thousands
& thousands of dollars to replace your
roof... not to mention what it will cost to repair your
water damaged interior.
While the lawsuit alleges that
the shingles are defective, I do not know of anyone
who has been paid under the terms of the lawsuit
settlement. I do know of several different
instances where a homeowner was
finally able to get a court representative out to look
at their roof. In
all three cases, their lawsuit claim was denied.
Furthermore, if your roof could be approved for a
settlement, the terms of the lawsuit pay far below the
fair market value for replacing your roof. There
are binding exclusions outlined in the lawsuit that
make it virtually impossible to get a settlement.
On the other hand, several
insurance companies are aware that your roof
could be a huge
financial liability. With that in
mind, let me share with you the following stories:
A couple had picked
out their dream home in Mira Vista but could not
close because their insurance agent refused
A Plano man was
given a buy-out package from his new company but
could not collect because of his Hardishake roof
A family wants to
pull the equity out of their home but their roof
raises red flags during appraisal.
A man buys a home
and is able to get coverage with a major insurance
carrier. A few months before he is to renew, his
local agent calls with a warning... "Do NOT
let them [the underwriter] know you have a
They laughed at
until the check came in the mail
Will Get Your Defective Roof Replaced - Without It
Costing You A Dime Out Of Your Own Pocket. All kidding aside,
people actually laugh out load! That
laughing turns into a big smile when the check comes
in the mail.
Most insurance companies will give you
25%, even up to a 35% reduction in your homeowners
premium when your old roof is replaced
with an approved product. Your new roof can have the same look and feel without all of the headaches... Guaranteed!
I believe that your insurance company,
if properly prepared, will pay for the full
replacement of your roof. Ten
years of first hand experience and irrefutable insight
gives me the winning edge with insurance companies.
What if My
Insurance Company Will Not Pay?
If your claim is refused for any reason, we walk
away friends... no risk, no obligation, & no money
out of your pocket.
I will do all of the work necessary to
get your roof replaced (i.e. write the damage
reports, meet with your adjusters as often as needed,
represent your interests with the technical experts,
engineers, and supervisors, and negotiate with
management, etc.). I have been paid
thousands of dollars to negotiate these claims in the
past. For a limited time, I'm offering my
services to you with no risk, no obligation, and no
money out of your pocket.
Ok, What's The
There is no catch. All I ask is
that when I am finally able to get your insurance
company to agree with me, I'll be the one to put on
your new roof. Sounds fair, doesn't it?
only way I make money is if your insurance company
agrees to pay your claim. If they pay the
claim, they will pay a fair market price to have your
roof replaced. I make a profit by replacing your
roof for what the insurance company allows. If
your claim is denied, I do not make any money.
do not pay me anything for my services regardless of
how much time I have invested.
Number Of Clients
If you believe you have a HardiShake�,
MaxiShake�, or a Cemwood�
roof, your first step is to pick up the
phone and call me now. Because the
entire claims process requires a significant
investment of time, I am only able to take on a limited
number of clients. If I am able
to accept your case, we will begin the claims
Is The Time To Call
Michael D. Coday II
The Hardishake Specialist
I get anywhere from $1,000 to $3,000 to consult on a
For a limited time, I'm waiving my fee
so you can replace your defective roof without
paying for it.
Remember, if your claim is refused for any
reason, we walk away friends... no risk, no
obligation, and no money out of your pocket.
Pick up the phone and call me now because I
will take care of you.
* James Hardie Building
Products (JHBP) has denied all charges of wrongdoing
or liability of any kind whatsoever asserted or which
could have been asserted in litigation and has
asserted and continues to assert various defenses to