Home Improvement Question | TigerDroppings.com

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The Spleen
Alabama Fan
Member since Dec 2010
6421 posts

Home Improvement Question



About to get the ball rolling on some major work to the house and looking for advice. I basically need 3 things done immediately - new roof, new front door entry, and new tile shower in the master bath. I also need a couple of other things done, but those can wait a while(painting interior, adding some electrical outlets, etc) Is it better to get a contractor to handle the entire job or should I do all the contracting myself? I know a roofing contractor pretty well and would like to use him, but he doesn't do interior work. He might be able to do the door. I've already ordered the door unit from a friend in the building supply business, so it would just be the install on that. Never done multiple projects at one time on the house and kind of overwhelmed with it all. I guess what I'm asking is would it be more expensive to let a contractor handle it all, and if it would be, is the extra expense worth it to relieve myself of dealing with 2-3 different vendors?






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lsujro
LSU Fan
BR
Member since Jul 2007
2240 posts

re: Home Improvement Question


those all sound like relatively small jobs to me. do you have any type of home improvement knowledge? if so, i'd say hire contractors yourself. you are already 1/3 of the way there. you should only need one guy/crew for the door, and the shower may take a plumber. if so, the contractor you hire to do it should be able to recommend someone and would know what needs to be done.





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Chad504boy
New Orleans Saints Fan
Five Oh Four
Member since Feb 2005
81505 posts

re: Home Improvement Question


99% of contractors aren't insured to do roofing work and they will just be subbing it out anyways.





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The Spleen
Alabama Fan
Member since Dec 2010
6421 posts

re: Home Improvement Question


I have very little home improvement knowledge, which is why I'm considering just getting a contractor to handle it all. I'm probably overthinking it as it really isn't a ton of work.





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Chad504boy
New Orleans Saints Fan
Five Oh Four
Member since Feb 2005
81505 posts

re: Home Improvement Question


way overthinking. just get a roofer, and one or two people who can handle the rest of your crap.





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Chris4x4gill2
Alabama Fan
North Alabama
Member since Nov 2008
2019 posts

re: Home Improvement Question


Other than the roof, a good Handy Man should be able to do all you are wanting. ASk around at home improvement / lumber yards for recommendations. May need to find someone that does bathroom remodels specifically to make sure the tile is done right, I would bet tht guy could do the other jobs as well.





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The Spleen
Alabama Fan
Member since Dec 2010
6421 posts

re: Home Improvement Question


Just talked to the roofer I know and he said he could install the door for me as well as the roof. Coming out today to give me an estimate. Got some facia and eaves that need replacing as well. He said he'd check my gutters and pressure wash the house as well. I'm guessing it will be around $12k. ~3000 sq ft house with high, steep roof and lots of dormers and such. That sound about right?





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stout
Arizona Fan
Sportsman's Paradise
Member since Sep 2006
118641 posts

re: Home Improvement Question


quote:

99% of contractors aren't insured to do roofing work



100% of people named Chad from the NOLA area suck dick for money.

I can make up stats too but that doesn't mean they are accurate.

If someone is a state licensed residential GC he is licensed and insured to do ANY residential work there is. Fact!



This post was edited on 6/10 at 10:31 am


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Chad504boy
New Orleans Saints Fan
Five Oh Four
Member since Feb 2005
81505 posts

re: Home Improvement Question


quote:

If someone is a state licensed residential GC he is licensed and insured to do ANY residential work there is.


Incorrect but keep talking shite. 99% of their GC policies have roofing exclusions on them. They subcontract out the roofing work.






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lsualum01
LSU Fan
Member since Sep 2008
964 posts

re: Home Improvement Question


I would pick individual contractors for each job or at least get separate proposals. Angie's list is a good resource. Make sure you use a state licensed contractor, Also make sure you don't pay too much money upfront so you maintain some leverage in case they mess up. I have been burned once by a contractor who claimed they could do it all. They did a very good job on the work that was within their area of expertise but did shoddy work on the other job. Good luck





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mtcheral
LSU Fan
BR
Member since Oct 2008
822 posts

re: Home Improvement Question


Prob gonna cost more than that. Just paid 17k just for roof with high pitch and all.





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wickowick
LSU Fan
Head of Island
Member since Dec 2006
23719 posts

re: Home Improvement Question


quote:

I'm guessing it will be around $12k. ~3000 sq ft house with high, steep roof and lots of dormers and such. That sound about right?


Every roof is different. I could give you an accurate price for your area with a roof diagram with measurements or an Eagleview but that is the only way without walking on it with a tape measure...






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The Spleen
Alabama Fan
Member since Dec 2010
6421 posts

re: Home Improvement Question


quote:

Prob gonna cost more than that. Just paid 17k just for roof with high pitch and all.


Ouch, that's discouraging. Though a co-worker just told me he paid $11k last year for a similar sized home a few miles from me so I'm getting his guy to give me a second estimate.






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stout
Arizona Fan
Sportsman's Paradise
Member since Sep 2006
118641 posts

re: Home Improvement Question


quote:

99% of their GC policies have roofing exclusions on them.



You keep throwing around 99% like it's an accurate stat. I have had my residential GC license since 2002 and I have always had coverage on my GL for roofing. It may be because I am a builder and not just a home improvement guy but my insurance person has always gotten me covered for what I needed. For you to say that 99% of contractors don't carry it is inaccurate because I have plenty of contractor friends like me that do carry it as well.

Now there are tons of Joe Blows that just go and get that little home improvement license that lets you do work up to $50K or just get licensed for the city they work in and they obviously won't have a big expensive GL policy like I do but that still doesn't make it 99% that don't have it.

quote:

They subcontract out the roofing work.



Correct. I actually sub out the majority of everything I do but I have good subs and me and my GL policy are ultimately responsible for the work anyway so why does it matter if I sub it? It doesn't. You also get a better product with me subbing it out to someone that specializes in it vs trying to have a bunch of jack of all trades running around that might not roof everyday anyway.

But keep throwing 99% around just because you sell insurance and sell the cheapest policies you can find to get that commission instead of actually giving someone what they need.






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Chad504boy
New Orleans Saints Fan
Five Oh Four
Member since Feb 2005
81505 posts

re: Home Improvement Question


quote:

You keep throwing around 99% like it's an accurate stat. I have had my residential GC license since 2002 and I have always had coverage on my GL for roofing. It may be because I am a builder and not just a home improvement guy but my insurance person has always gotten me covered for what I needed. For you to say that 99% of contractors don't carry it is inaccurate because I have plenty of contractor friends like me that do carry it as well.

Now there are tons of Joe Blows that just go and get that little home improvement license that lets you do work up to $50K or just get licensed for the city they work in and they obviously won't have a big expensive GL policy like I do but that still doesn't make it 99% that don't have it.


You've never had roofing coverage on your policy. You probably have always had a roofing exclusion on your policy and your policy mandated that you use an insured roofing subcontractor. Who you got work comp through? Cause guarantee you they don't allow you to do any roofing either.
quote:

Correct. I actually sub out the majority of everything I do but I have good subs and me and my GL policy are ultimately responsible for the work anyway so why does it matter if I sub it? It doesn't


It matters cause terms of your policy probably read that you need to require your subs to name your company as additional insured with matching limits and in the event of lets say a roofing claim, your subs policy will be defending you and responsible for the claim.
quote:

But keep throwing 99% around just because you sell insurance and sell the cheapest policies you can find to get that commission instead of actually giving someone what they need.



Your about 99% naive on what the shite you are talking about.






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stout
Arizona Fan
Sportsman's Paradise
Member since Sep 2006
118641 posts

re: Home Improvement Question


OK, man, you obviously know my policy and my specifics better than me.

Not sure why I even bother to argue with you.

quote:

It matters cause terms of your policy probably read that you need to require your subs to name your company as additional insured with matching limits and in the event of lets say a roofing claim, your subs policy will be defending you and responsible for the claim.


Yes I realize this is how it works. Been through many GL and comp audits to know better than to not have my sub certificates in hand but in the event that a non licensed sub is used me and my policy are responsible for it.

Trust me when I say I DO NOT have a roofing exclusion. I haven't since Hurricane Rita came through and I was running my own roofing crews. None of them at the time had their own policies so I took on the coverage and responsibility for the work but please keep telling me what I don't have.

A roofing crew with the correct GL and comp is going to cost a TON. It's almost cheaper as a GC if you do enough volume to hire a crew and just run it under your policy.

quote:

Your about 99% naive on what the shite you are talking about.



I am not the one throwing random stats around.






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Chad504boy
New Orleans Saints Fan
Five Oh Four
Member since Feb 2005
81505 posts

re: Home Improvement Question


quote:

Yes I realize this is how it works. Been through many GL and comp audits to know better than to not have my sub certificates in hand but in the event that a non licensed sub is used me and my policy are responsible for it.

Trust me when I say I DO NOT have a roofing exclusion. I haven't since Hurricane Rita came through and I was running my own roofing crews. None of them at the time had their own policies so I took on the coverage and responsibility for the work but please keep telling me what I don't have.

A roofing crew with the correct GL and comp is going to cost a TON. It's almost cheaper as a GC if you do enough volume to hire a crew and just run it under your policy.



If that's all true, you are just a 1%er. That is all. 99% of GC policies that are written have roofing exclusions on them.
quote:

It's almost cheaper as a GC if you do enough volume to hire a crew and just run it under your policy.


What do you mean run it under your policy, most policies still don't cover roofing so if they are still uninsured, i don't get what you're getting at.






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stout
Arizona Fan
Sportsman's Paradise
Member since Sep 2006
118641 posts

re: Home Improvement Question


I mean tell them my employees and not subs did the roof work and it falls under me and my policy.

If I were to mention that the roof crews were actually subs during an audit I have no doubt they would find a way to exclude the coverage because that's how the underwriters operate.

I may or may not pay my roof crews from a separate account so it doesn't show in my audit.

Shady but the insurance is so fricked that it's the only way you can come out on some stuff.






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Chad504boy
New Orleans Saints Fan
Five Oh Four
Member since Feb 2005
81505 posts

re: Home Improvement Question


quote:

I mean tell them my employees and not subs did the roof work and it falls under me and my policy.

If I were to mention that the roof crews were actually subs during an audit I have no doubt they would find a way to exclude the coverage because that's how the underwriters operate.



the ole 1099'ed employee vs 1099'ed sub.

What WC writes your comp?






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stout
Arizona Fan
Sportsman's Paradise
Member since Sep 2006
118641 posts

re: Home Improvement Question


LWCC

I do think you are correct in that my comp my have an exclusion on it which never made sense to me. We can build the rafters, deck the roof, and felt it all but you are telling me we can't install the shingles? Such BS but that's how they squeeze extra out of people.






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