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re: Hurricane Ida damage question. Roofer asked to see the insurance estimate from my adjuster
Posted on 9/16/21 at 1:13 pm to toosleaux
Posted on 9/16/21 at 1:13 pm to toosleaux
Common, no reason not to show it. The roofers and adjusters are all working off the same Xactimate software. The roofer wants to make sure the adjuster included all the components needed to do the job.
1
Posted on 9/16/21 at 1:15 pm to toosleaux
quote:
Is this normal practice? Or should I ask for an estimate without him seeing what insurance wants to give me?
Have him give you his estimate then you can compare the two. Then you know if you need to fight with your insurance or not.
That’s how I’ve done it in the past.
Posted on 9/16/21 at 1:34 pm to toosleaux
quote:
Is this normal practice? Or should I ask for an estimate without him seeing what insurance wants to give me?
sadly it is normal....and shockingly One of those cock suckers actually had the audacity to ask for a $5,000 cash down payment before getting started. I laughed him off my property.
Tell him to piss off though, and either give you his estimate to fix or you will wait and find another who will.
This post was edited on 9/16/21 at 1:35 pm
Posted on 9/16/21 at 1:39 pm to toosleaux
Both my brother and I went through this two years ago when experiencing a lot of hail damage in a spring storm. He dealt with a company that wanted to negotiate with the insurance company. Once my insurance adjuster came and my insurance company told me what they would pay for me to have my roof replaced, I spoke to his company along with another company, and neither of them wanted to give me a quote. Finally got a quote out of one of them which I compared to the roofer recommended by my original home builder. It was several thousand higher than the roofer that my builder recommended who simply gave me a non-nonsense quote from a satellite shot without even coming by. I can't stand wheeling and dealing so I simply went with the no-nonsense quote guy who came in about $6,000 less than what my insurance company would pay me, so I only ended up spending $1,600 out of pocket for a brand new roof as I had about a $7,000(2%) deductible. YOUR ADJUSTER IS THE MAIN DETERMINANT HERE!!
Posted on 9/16/21 at 1:53 pm to toosleaux
Screw him
Posted on 9/16/21 at 4:30 pm to toosleaux
Here's my experience after Zeta (I replaced a very steep roof on my home and also replaced the roof of my detached garage).
First off even getting someone to show up to give a quote took a while. Eventually I got three quotes. Two did not ask me for anything. One asked me to see the scope of work that the insurance adjuster came up with. I took the pages from the report, whited out the price, and gave it to him. He was fine with it.
All three came to the conclusion I needed to replace the entire roof of both structures... which was the same conclusion the adjuster came up with.
All three quotes were very close to each other and all three were about 5% less than adjuster came up with.
I picked the roofer that was reccomended to me by the most people.
They did a good job... however they said it would be a one-day job and it took two and a half days.
I think if the roofer wants to know exactly how much insurance is paying... you need to run. However, I also understand that good roofers are hard to find right now.
First off even getting someone to show up to give a quote took a while. Eventually I got three quotes. Two did not ask me for anything. One asked me to see the scope of work that the insurance adjuster came up with. I took the pages from the report, whited out the price, and gave it to him. He was fine with it.
All three came to the conclusion I needed to replace the entire roof of both structures... which was the same conclusion the adjuster came up with.
All three quotes were very close to each other and all three were about 5% less than adjuster came up with.
I picked the roofer that was reccomended to me by the most people.
They did a good job... however they said it would be a one-day job and it took two and a half days.
I think if the roofer wants to know exactly how much insurance is paying... you need to run. However, I also understand that good roofers are hard to find right now.
Posted on 9/16/21 at 4:39 pm to toosleaux
Appreciate the conversation. My insurer said that because a hurricane was involved they waived the depreciation process and cut me a single check for roof replacement. They did say I could come back and ask for a supplemental payment if warranted.
Now the roofer is a friend of mine and gave a quote of $18K, which for my size house is pretty damn good. Higher quality shingles and replacing stacks vs painting them. Other quotes were in the $22-24K range.
Neither party asked for estimates.
Now the insurer will cut me a check for $16K after my deductible of $7500. So it looks like Im paying $2K oop for a new roof.
Anything I am missing here?
Now the roofer is a friend of mine and gave a quote of $18K, which for my size house is pretty damn good. Higher quality shingles and replacing stacks vs painting them. Other quotes were in the $22-24K range.
Neither party asked for estimates.
Now the insurer will cut me a check for $16K after my deductible of $7500. So it looks like Im paying $2K oop for a new roof.
Anything I am missing here?
This post was edited on 9/16/21 at 6:40 pm
Posted on 9/16/21 at 5:12 pm to toosleaux
I would straight up ask him why...maybe he'll go the opposite way and try to save you some cash
Posted on 9/16/21 at 7:56 pm to toosleaux
Ask me how I know you about to get raped 
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