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Started By
Message
Need some advice with replacing a roof on a home.
Posted on 1/21/22 at 1:02 pm
Posted on 1/21/22 at 1:02 pm
This is my first time going through this process so I'm kind of unsure on which direction to take.
I've had a couple of companies come by and told look at my roof and told me that I need to have it replaced. They said it failed the brittle test, lift test, and have several areas of impact damage.
They are wanting me to sign some document to "act of my behalf" and fight with the insurance company to completely cover the cost of repairs. They told me if they have to go to court and end up losing the case, there's no obligation to me. If they win, the only obligation I will have to meet is my insurance deductible.
We'll I called my neighbor to see how they handled the process because they got their roof replaced recently. My neighbor told me that they called their insurance directly and filed a claim, had an adjuster come out, the adjuster told them how much the repairs would cost and issued them a check. Then she went to and secured a roofer after all that.
So, my question is which way is the best way to deal with replacing my roof?
I've had a couple of companies come by and told look at my roof and told me that I need to have it replaced. They said it failed the brittle test, lift test, and have several areas of impact damage.
They are wanting me to sign some document to "act of my behalf" and fight with the insurance company to completely cover the cost of repairs. They told me if they have to go to court and end up losing the case, there's no obligation to me. If they win, the only obligation I will have to meet is my insurance deductible.
We'll I called my neighbor to see how they handled the process because they got their roof replaced recently. My neighbor told me that they called their insurance directly and filed a claim, had an adjuster come out, the adjuster told them how much the repairs would cost and issued them a check. Then she went to and secured a roofer after all that.
So, my question is which way is the best way to deal with replacing my roof?
11
Posted on 1/21/22 at 1:12 pm to Hammond Tiger Fan
I never want a stranger act on my behalf, unless it is an attorney I have hired.
My recommendation is to file the claim and understand what the adjuster determines the policy may pay out. Once that is complete, have 3-5 reputable roofers provide a quote directly to you. You now hold all of the cards. Unfortunately with the current market's labor and material issues, there will not be a significant cost savings potential.
A year ago, you could do this exact same thing and find a company that would replace the roof to offset your deductible.
My recommendation is to file the claim and understand what the adjuster determines the policy may pay out. Once that is complete, have 3-5 reputable roofers provide a quote directly to you. You now hold all of the cards. Unfortunately with the current market's labor and material issues, there will not be a significant cost savings potential.
A year ago, you could do this exact same thing and find a company that would replace the roof to offset your deductible.
Posted on 1/21/22 at 1:48 pm to Hammond Tiger Fan
quote:
They are wanting me to sign some document to "act of my behalf" and fight with the insurance company to completely cover the cost of repairs. They told me if they have to go to court and end up losing the case, there's no obligation to me. If they win, the only obligation I will have to meet is my insurance deductible.
Don't do it. I was approached with the same thing in 2020 when I replaced my roof. To me, it felt sleezy as shite.
I found a company that came out, inspected, told me that based on his inspection I had hail damage - and I filed the claim myself through my insurance. A representative from the roofing company met the insurance adjuster when he came out and climbed on the roof with him.
Claim was approved. Check was sent to me. I paid the roofing company for the work.
ETA: A few years prior, I made the mistake of calling insurance first to do an inspection on my roof. The adjuster wrote up some repairs I needed to make. I never filed an official claim. I made the repairs and sent them a copy of the receipt. Come renewal time, they dropped me.
This post was edited on 1/21/22 at 1:50 pm
Posted on 1/21/22 at 2:03 pm to Hammond Tiger Fan
Just got my roof replaced from a hailstorm that happened a year or so ago. Call insurance agent and say I need to file a claim for a new roof. Insurance will send their own inspector out to make sure the damage is legitimate. Once he does inspection, they usually send you a check - your deductible for the repairs
Posted on 1/21/22 at 2:26 pm to Hammond Tiger Fan
I had to fight with insurance for a few months after Ida because they included coverage of 30 individual shingles in my report and payment. I had several roofers laugh at that and stated I needed a full roof replacement, but none of them would put that in writing, which is what my adjuster required. Finally had a roofing company referring by a family friend from out of town and they got it done for me. The salesman did a full roof inspection and submitted the full inspection report with photo evidence to my adjuster, along with an estimate for the full replacement. He wasn't acting on my behalf or promising anything, he simply inspected my roof and provided evidence to my adjuster that a full replacement is needed. Hope this helps.
Posted on 1/21/22 at 3:44 pm to TheBoo
quote:
The salesman did a full roof inspection and submitted the full inspection report with photo evidence to my adjuster, along with an estimate for the full replacement. He wasn't acting on my behalf or promising anything, he simply inspected my roof and provided evidence to my adjuster that a full replacement is needed
Was a cost associated with this or was this a complimentary service?
Posted on 1/21/22 at 3:53 pm to Hammond Tiger Fan
I filed a claim first with my insurance company. Adjust came out and had no clue what she was doing. I got a 2nd adjuster and he paid me for the new roof. They’re going to use some software called ExcatoMate I think to gauge the cost of the roof based on the last 60 days of prices and labor. Many contractors use the same. I got a roofer to come out and his bid what almost exactly the same. Hired the roofer and got it done.
I wouldn’t sign anything with anyone either. Those people are all over the place looking for deals but essentially their using the same software and then securing all of the $ the insurance company will pay. Then theyll go back and upcharge for stuff they “found” after the fact and fight for more $.
I wouldn’t sign anything with anyone either. Those people are all over the place looking for deals but essentially their using the same software and then securing all of the $ the insurance company will pay. Then theyll go back and upcharge for stuff they “found” after the fact and fight for more $.
Posted on 1/21/22 at 4:30 pm to Hammond Tiger Fan
I am in the process. This is what I did.
Called insurance company and filed a claim.
Adjuster came out and agreed a new roof was needed.
Insurance company called and valued the job at 20k. Insurance company sent a check for 10k.
Called Hudco roofing and forwarded the insurance adjuster evaluation. Hudco agreed to do the job for the estimate from insurance company.
Hudco ordered the roof materials and shipped them to my house. They are scheduling the install next week.
I provide Hudco with the 10k before the job and they send the invoice for the remaining cost, in line with the insurance total estimate, to recover the remainer.
So far, no issues.
Called insurance company and filed a claim.
Adjuster came out and agreed a new roof was needed.
Insurance company called and valued the job at 20k. Insurance company sent a check for 10k.
Called Hudco roofing and forwarded the insurance adjuster evaluation. Hudco agreed to do the job for the estimate from insurance company.
Hudco ordered the roof materials and shipped them to my house. They are scheduling the install next week.
I provide Hudco with the 10k before the job and they send the invoice for the remaining cost, in line with the insurance total estimate, to recover the remainer.
So far, no issues.
Posted on 1/21/22 at 4:54 pm to Hammond Tiger Fan
Thoroughly check the credentials of those roofers.
There are some that are pretty legit in the sense that they'll get you a new roof covered by insurance (minus deductible) but there are some fly by night operations out there too. Always read the fine print with these guys.
If damage is storm related, I would hope you filed a claim and got an adjuster out soon after the event. Even if they lowball you, it gets the process going with a contractor who can then use more professional standards to get your full replacement.
AS for the "acting on your behalf," Ive only ever had good experiences with my contractors. I know there are other, more negative stories out there though. Just research the hell out of your intended contractor before signing.
There are some that are pretty legit in the sense that they'll get you a new roof covered by insurance (minus deductible) but there are some fly by night operations out there too. Always read the fine print with these guys.
If damage is storm related, I would hope you filed a claim and got an adjuster out soon after the event. Even if they lowball you, it gets the process going with a contractor who can then use more professional standards to get your full replacement.
AS for the "acting on your behalf," Ive only ever had good experiences with my contractors. I know there are other, more negative stories out there though. Just research the hell out of your intended contractor before signing.
Posted on 1/21/22 at 4:58 pm to The People
quote:
n a home. by The People I am in the process. This is what I did. Called insurance company and filed a claim. Adjuster came out and agreed a new roof was needed. Insurance company called and valued the job at 20k. Insurance company sent a check for 10k. Called Hudco roofing and forwarded the insurance adjuster evaluation. Hudco agreed to do the job for the estimate from insurance company. Hudco ordered the roof materials and shipped them to my house. They are scheduling the install next week. I provide Hudco with the 10k before the job and they send the invoice for the remaining cost, in line with the insurance total estimate, to recover the remainer. So far, no issues.
Everything you said is true. Only part wrong you did was to Hudco instead of me BUT the main thing is just make sure you feel comfortable with project manager. It literally is this easy until get homeowners who start the “I have a friend who said said he could do it for such and such a price.” No you don’t. If you did why am I here? If you nickel and dime down you’ll get nickel and dime down material and craftsmanship. Just find someone you know who has used someone. Making it comfortable through the process is the biggest part because you are handing a large amount of money to a stranger.
I’ll tell you a story. A realtor friend had a buyer who needed the roof inspected so he called me. I went. Needed a new roof. While I was up there I saw the neighbor was in bad shape and told myself I’d knock on my way out. I didn’t have to. When I climbed down they were already there waiting for me. Spent the next 1.5 hours talking to them. Explaining things to them etc. Great family. Dad is mechanic. Mom is stay at home mom. 3 kids of their own. 4 foster kids they adopted. Some scumbags had come taken the money the first time and ran. Needless to say I did theirs, the original person for, the guy across the street from them and his sister down the street. Anytime I’m in the area I still stop and say hi to the kids
Posted on 1/21/22 at 9:51 pm to couv1217
quote:
couv1217
Quick question now that I know you are in the industry.
I have a 10x10 cabaña by the pool that has a shingle roof, probably the original before the current house roof was put on two decades ago. This was not included in my insurance/roof quote.
How difficult would it be to negotiate getting this roofed in the new color from Hudco under the same total cost? It's more of a cosmetic desire to match the new roof color. Doesn't have much need for performance under it, as it is open and just a sitting area.
Let me know your thoughts, sir.
This post was edited on 1/21/22 at 9:53 pm
Posted on 1/21/22 at 10:32 pm to The People
Sorry just saw the part about getting it done under the same cost. It honestly depends what they are charging you per square for the house/what the insurance is paying per square. If the insurance is doing them a solid numbers wise, they should help you out. If insurance didn’t pay much per square and things right, it would be a little more difficult. At the end of the day it still is extra materials and extra labor that you’re wanting for free. So for a couple hundred bucks, shouldn’t be an issue.
Not difficult at all. As long as it’s just a simple cabana. No crazy pitches and cuts all over the place, it shouldn’t cost more than a few hundred bucks. That’s if the wood under is still good and doesn’t need a ton replaced. Some companies will charge you to replace the plywood. We don’t. So long as it’s just like 1 or 2 pieces here or there, we just help the homeowner out. Would much rather tell them we found rotten damage and we’re gonna handle it no vs squeezing every ounce of juice there is. Doing that will have that person tell 5 other people about you and so on and so on. At the end of the day, as long as you are not like the sleezy car sales guy selling roofs, it’s enjoyable. Meet some very interesting people.
Not difficult at all. As long as it’s just a simple cabana. No crazy pitches and cuts all over the place, it shouldn’t cost more than a few hundred bucks. That’s if the wood under is still good and doesn’t need a ton replaced. Some companies will charge you to replace the plywood. We don’t. So long as it’s just like 1 or 2 pieces here or there, we just help the homeowner out. Would much rather tell them we found rotten damage and we’re gonna handle it no vs squeezing every ounce of juice there is. Doing that will have that person tell 5 other people about you and so on and so on. At the end of the day, as long as you are not like the sleezy car sales guy selling roofs, it’s enjoyable. Meet some very interesting people.
This post was edited on 1/21/22 at 10:38 pm
Posted on 1/22/22 at 10:16 pm to Hammond Tiger Fan
No cost. He was trying to earn my business. I explained to him what insurance was trying to do and he took care of it from there. Any roofing company worth their salt should do what he did.
Posted on 1/23/22 at 3:24 am to couv1217
You ever had to fight with USAA over a roof? Adjuster came out a couple days after the storm, said we didn't have any damage. I wasn't there when he came, he got there an hour earlier than we agreed and was already off the roof when I made it to the house. USAA said they don't cover lift of the shingles and I don't have any missing. I just find it impossible that my roof in Hammond didn't have any damage from wind or debris during the storm.
Posted on 1/23/22 at 7:49 am to burgeman
quote:
burgeman
USAA tends to be one of the top 3 in regards to taking care of their insured. Unless the guy just totally sucks, you’re probably ok.
Posted on 1/24/22 at 6:14 pm to couv1217
I cannot recommend USAA highly enough. My entire family has lifetime loyalty to this company for all insurance needs. They paid for my new roof and the roofer agreed to waive my deductible if I stuck one of his signs in the front yard.
Posted on 1/24/22 at 6:48 pm to couv1217
Cool just wanted to make sure.
Posted on 1/24/22 at 10:34 pm to Tbobby
quote:
I cannot recommend USAA highly enough. My entire family has lifetime loyalty to this company for all insurance needs. They paid for my new roof and the roofer agreed to waive my deductible if I stuck one of his signs in the front yard.
I might have to look into joining USAA. My father in law is ex-military so we will be eligible to join because of his service. Generally speaking, are the premiums lower, about the same, or higher than other companies servicing Louisiana?
Posted on 1/25/22 at 8:22 pm to Hammond Tiger Fan
quote:
Generally speaking, are the premiums lower, about the same, or higher than other companies servicing Louisiana?
They tend to be in the higher side but that’s also bc they take care of their people
Posted on 11/28/22 at 2:15 pm to Hammond Tiger Fan
what is your deductible for starters?
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