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stout
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FYI for Ida victims: Roof-Tarp and Water Intrusion info for the next few days
Tarp your whole roof even if you think some of it doesn't need a tarp. If you only tarp a portion of it, then insurance will only try to pay for repairs to that portion if they can say the rest of the roof doesn't meet their damage requirements. If you tarp the whole thing they will most likely replace the whole thing. Not only that but there may be debris impact areas that are not fully visible without a full roof assessment.

Had this conversation with many adjusters after Laura. I know there are a few adjusters that post here so tell us if they were wrong.

16 years ago after Rita and Katrina, all you had to do was argue about wind lift. That doesn't work as easily this time around. They are denying claims and making you work hard for it because they are hoping the majority of people just accept the first estimate or partial half-ass repairs.

Also, be careful with tarping companies. They will try to hit your insurance for a ton of money counting against your policy limits. $2 per sq ft isn't bad. Xactimate has it at about $1.87 per sq ft this morning. It varies by zip code but that is what insurance will payout no questions asked. Keep in mind that is roofing sq ft which will be more than under roof sq ft. Anything more than $2 is robbery and you will most likely be denied by insurance.

Also, only a few non-profit organizations offer free tarps and they have a waiting list and sign-up sheet on their site.

A private business offering free tarps will make you sign a contract that promises they also get to replace your roof. Then if they do replace your roof they jack the price as high as possible to the point some people here in LC have liens on their houses because insurance refuses to pay the amount billed.

If they tarp for free, and you don't let them install the new roof, they then lien your house for the tarp and send in a ridiculously high bill to insurance. Some people have had $15K tarp bills for an average 2500 sq ft roof that the insurance won't pay and wind up in court to fight it.

Also, no one can do repairs over $7500 in LA unless they are licensed. That means they carry general liability and comp and are regulated by the contractors board which means you have recourse if something happens. The unlicensed out-of-state guys....well good luck when your roof is leaking and they are back home in Ohio.

Any mold remediation over $1 has to be licensed. Mold remediation is not the same as water intrusion and drying out a house.

Be sure to ask for estimates before allowing in a dry-out company like Serv-Pro. There are a ton of nightmare stories about people getting $30 to $40K dry out bills after the fact which hits their policy limits then not having enough money left on their limit for repairs.

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.


Check for active license here
This post was edited on 8/30 at 4:38 pm


LSU$$$
LSU Fan
Baton Rouge
Member since Jan 2013
944 posts

re: FYI for Ida victims: Roof-Tarp and Water Intrusion info for the next few days
great info, thank you!


Tigerfan1274
Member since May 2019
1210 posts
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re: FYI for Ida victims: Roof-Tarp and Water Intrusion info for the next few days
Fellow Lake Charles Resident. OP is dead on.


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Zissou
USA Fan
Member since Jun 2012
249 posts

re: FYI for Ida victims: Roof-Tarp and Water Intrusion info for the next few days
Keep dated notes of all your conversations with contractors and with insurance. It will be a process to get things rebuilt, and you will forget over time. At some point in the future, you'll likely have to tell the story from day one.

Also, note when "proof of loss" was established with your insurer. And then know in your policy how many days they have to make the first estimate and payment. For a lot of people in LC, this was only 30 days. Know your policy and try to hold them to it.


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320
ShermanTxTiger
LSU Fan
Wylie Tx
Member since Oct 2007
9559 posts

re: FYI for Ida victims: Roof-Tarp and Water Intrusion info for the next few days
Good advice for those wanting to be less than honest. Good call bro!


The Spleen
Alabama Fan
Member since Dec 2010
36161 posts

re: FYI for Ida victims: Roof-Tarp and Water Intrusion info for the next few days
Great thread.

Makes my blood boil people will take advantage of people in this situation.


stout
Arizona Fan
Smoking Crack with Hunter Biden
Member since Sep 2006
149748 posts
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re: FYI for Ida victims: Roof-Tarp and Water Intrusion info for the next few days
It's not less than honest. A lot of roofs that were hit today were 16 years old and last replaced during Katrina. They all will have damage even if it is not visible today. It will be when the next storm passes, though.

Repairing a roof is never as good as a replacement. I have been doing this a long time and I would never accept a patch job even if the rest of my roof is only a few years old.

Insurance companies have been a nightmare to deal with even for people with 100% justifiable claims. Tell your insurance adjuster that you want your own structural engineer report and see how fast they deny that. They will also shift you from desk adjuster to desk adjuster because they don't want you to get too comfy and friendly with their Gestapo. Its a nightmare overall.

I am just trying to help people cut through some of the BS.
This post was edited on 8/30 at 9:19 am


DLauw
LSU Fan
SWLA
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re: FYI for Ida victims: Roof-Tarp and Water Intrusion info for the next few days
Haha great minds and such. We were likely posting at the same time.


stout
Arizona Fan
Smoking Crack with Hunter Biden
Member since Sep 2006
149748 posts
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re: FYI for Ida victims: Roof-Tarp and Water Intrusion info for the next few days
quote:

Makes my blood boil people will take advantage of people in this situation.




Roof tarp guys and tree crews are the first on the scene. All from out of state usually. They will screw people over without hesitation and desperate people will go along with it.


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311
stout
Arizona Fan
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Member since Sep 2006
149748 posts
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re: FYI for Ida victims: Roof-Tarp and Water Intrusion info for the next few days
quote:

Haha great minds and such. We were likely posting at the same time.



I am considering going tomorrow with a few of my roof crews to tarp and just do it for what it costs me. I don't like seeing people get screwed.


Manlaw35
Louisiana Tech Fan
Member since Jan 2013
1088 posts

re: FYI for Ida victims: Roof-Tarp and Water Intrusion info for the next few days
quote:

great info, thank you!


Ditto.
Nothing worse than someone who takes advantage of a person in need. Thanks again for the good info Stout!


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90
Homerun12
Member since Jul 2019
68 posts

re: FYI for Ida victims: Roof-Tarp and Water Intrusion info for the next few days
Use synthetic felt if possible. You are looking at a long term temporary repair with quality. Not the black felt. From experience last year, it holds up 10 fold over a tarp. Unless you do blue tarp program thru the government. Their tarping skills are great. But they want start for awhile.


TorNation
LSU Fan
Sulphur, LA
Member since Aug 2008
2820 posts

re: FYI for Ida victims: Roof-Tarp and Water Intrusion info for the next few days
I've used Army Corp of Engineers Blue Roof for numerous family and friends homes after hurricanes Rita and Laura. It is free and do a very professional job, it is even inspected and after Laura there were a few things they didn't like on inspection and came back out and retarped. The companies doing the tarping don't get paid until after inspection is approved so they tend to do it correctly to get their money. It may take a few days so the sooner you get on the list the better. My Laura tarping even held up during Delta a few weeks later.

This is a free service to homeowners. Call 888-766-3258 to report damage or to sign-up for a new temporary roof. Residents can also sign up for the program with a computer or smart phone at: www.usace.army.mil/BlueRoof


xXLSUXx
New Orleans Pelicans Fan
New Orleans, LA
Member since Oct 2010
9835 posts

re: FYI for Ida victims: Roof-Tarp and Water Intrusion info for the next few days
Appreciate all the info. Thanks a ton.


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60
stout
Arizona Fan
Smoking Crack with Hunter Biden
Member since Sep 2006
149748 posts
 Online 

re: FYI for Ida victims: Roof-Tarp and Water Intrusion info for the next few days
Also, take good notes and photos on any personal items you throw out due to water damage. A lot of people last year were denied full content claims because they lacked this and just started throwing stuff away. Instead, they were given a low figure that didn't come close to covering what was lost.


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170
DiamondDog
LSU Fan
Member since Nov 2019
5896 posts

re: FYI for Ida victims: Roof-Tarp and Water Intrusion info for the next few days
quote:

Also, be careful with tarping companies. They will try to hit your insurance for a ton of money counting against your policy limits. $2 per sq ft isn't bad. Xactimate has it at about $1.87 per sq ft this morning. It varies by zip code but that is what insurance will payout no questions asked. Keep in mind that is roofing sq ft which will be more than under roof sq ft. Anything more than $2 is robbery and you will most likely be denied by insurance.


Just to make this clear for some folks. It's better to pay your tarp costs on a CC or cash, then seek reimbursement than try to let any contractor touch your insurance.


bnb9433
New Orleans Saints Fan
Member since Jan 2015
9153 posts
 Online 

re: FYI for Ida victims: Roof-Tarp and Water Intrusion info for the next few days
quote:

stout

solid info


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30
stout
Arizona Fan
Smoking Crack with Hunter Biden
Member since Sep 2006
149748 posts
 Online 

re: FYI for Ida victims: Roof-Tarp and Water Intrusion info for the next few days
quote:

Just to make this clear for some folks. It's better to pay your tarp costs on a CC or cash, then seek reimbursement than try to let any contractor touch your insurance.



Yes as long as it is within the Xactimate price you will be paid back.

Also, just because a company has a national brand (Serv-Pro for example) doesn't mean they are licensed in LA or trustworthy. There will be a ton of Serv-Pro franchises from out of state come in that have nothing to do with the local franchise. Just be careful.


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131
HooDooWitch
LSU Fan
TD Bronze member
Member since Sep 2009
8091 posts

re: FYI for Ida victims: Roof-Tarp and Water Intrusion info for the next few days
I owe you an up vote. I’m one handing the phone and fat fingered it, missed and hit the down, sorry


justice
LSU Fan
Member since Feb 2006
49420 posts

re: FYI for Ida victims: Roof-Tarp and Water Intrusion info for the next few days
You’re 100 percent right. Had this issue with Laura


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