re: Steps for investigating roof damage due to hail storm

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I filed a claim with Farm Bureau first, they inspected, and then I had a contractor look at it and I submitted the bid to FB. No fkn way would I allow a contractor to deal with my insurance co nor would I call the contractor first, nor let any of the storm chasers on my property. Close to 100% are half-assing crooks.

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That's just ridiculous. There are crooks out there no doubt, but there are also roofers out there that are good at their job and honest.

Calling an insurance company over a reputable roofer is not in a homeowners best interest. We go there and stick up for the homeowner. Quite often adjusters get up there and don't do a good inspection and decline a claim and nobody is there to challenge their BS.

I've made adjusters get back up on the roof before when they say they are turning down a claim and get them up there and show them the damage myself. Show them the damage and make them pay for the roof that the homeowner deserves. You can find a roofer looking out for you, because the adjuster isn't.

Three of our guys are ex catastrophe adjusters and know more about insurance that the local adjuster that an insurance company sends out. I've gone to jobs where an adjuster paid a person 10k on their insurance claim and I've gotten the claim up to close to 100k because the adjuster didn't care to do a full inspection (water damage claim).

A good roofing contractor is good with insurance. You not telling them your insurance in for is either getting you a cheaper roof or a cheap roofer. %99.999999 of homeowners know how to read an insurance estimate and properly assess it.

For example: The USAA adjuster might get up there and pay for 20 squares of 3-tab 20 year shingles and two turbines and that's it. When really he should be paying for 25 year (because 20 year isn't sold any more), remove and replace, felt, ridge shingles, dump fee, permit fee, two turbines, 3 pipe boots, 3 gas vents caps and collars, chimney flashing, drip edge, and a dryer vent.

So now because you didn't get a good roofer that knows what he's doing/let him examine your paperwork WITH YOU and explain where they messed up, guess what? You only got paid for that crap estimate the adjuster did instead of all the stuff you should of been paid for. Not out of pocket, but by the insurance. So now the homeowner that thinks he knows better than the roofer or thinks everybody is a scammer, just got a crappy roof without all that needed to be replaced was replaced or he is paying for all the things needing to be replaced out of pocket.