quote:
Any company offering to deal with your insurance for you is a scam artist and not there to help you. Get a bill from them, review it, then send it to your insurance. Giving a company access to your insurance will result in them ripping your policy limits off.

Can you explain to me how this works? Insurance company is giving me $19,000 for new roof. I have Roofer A dealing directly with me who wants to do it for $11,000 (labor and materials, dumpster, synthetic underlay, Tamko shingles). Then I have Roofer B who laughed and said, “insurance is low-balling you. The synthetic underlay alone that our company will put on your roof is more than $11,000 just for the material. Pay us your hurricane deductible and we’ll take over your claim for you and get you covered for a 50-year Owens Corning roof plus all new soffit, fascia and gutters.”
Roofer A is some local licensed roofer from Metry. Roofer B Company is Fortune 500 company CMR

This post was edited on 9/26/21 at 9:36 am

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Posted by couv1217

Baton Rouge, LA

Member since Sep 2007

3342 posts

Posted on 9/26/21 at 10:40 am to Goodell Clown

quote:
Goodell Clown

In a normal situation, the deductible should be all you owe to the contractor. What I have noticed with this storm, since there was so much damage with all parts of the home, the insurance is pulling deductible money out of everything that needs fixing/replacing. The roofer should not get the full deductible. What we are doing just taking the rcv for the roof and that’s it. Some of the deductible will be included in that.

To reference something earlier, we do ask to sign a contract and use the numbers the insurance gives. It’s honestly the easiest way for everyone. The only time we send in for a supplement/more money is if the insurance left something off the breakdown whether it be a mistake or intentional or if the insurance isn’t pay the avg or At least close to the avg per sq at the current market value. So for example, stout mentioned earlier the avg is around $383 so if the insurance comes back and is only paying $310 we are going to call them out on their bs and request a supplement to come closer to the avg

Lastly, IF you go with either of those companies, you don’t want Tamko or Owens Corning. You want Atlas. If they try and jack your price up because it’s atlas, hit me up. We only use atlas, synthetic felt, and ice and water in your valleys vs valley metal.

This post was edited on 9/26/21 at 10:42 am

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Posted by Polar Pop

Member since Feb 2012

10753 posts

Posted on 9/26/21 at 8:22 pm to Goodell Clown

quote:
The synthetic underlay alone that our company will put on your roof is more than $11,000 just for the material.

Eh, synthetic felt is average $2 more per square than 15# "tar paper".

Everyone as of right now should be using synthetic felt. As you can see, the cost is now in line with the old school stuff, so dont take it as an "upgrade".

Ice and water shield in the valleys....also not an "upgrade", just SOP these days. $75 for a 65ft roll vs. $35 for a 10ft piece of valley metal.....

All of the architectural shingles are damn near the same these days and everyone offers a 50 year or "lifetime" product warranty that you will never use. That is to cover defective material and that usually shows within the first 30 days of install.

These people will act like they have the new latest and greatest shite. They are all selling the same thing and all pimping the same labor crews back and forth to put it on your house.

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