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lsu777
LSU Fan
westlake
Member since Jan 2004
19158 posts

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

ShermanTxTiger
quote:

People like you and ambulance chasing attorneys are the reason La. has ridiculously high insurance rates. In the end, we all pay. No one gets anything over an insurance company. They will get their pound of flesh from us all.

Fraud away my brother.


SHUT UP BITCH!!


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71
SlowFlowPro
Stanford Fan
Simple Solutions to Complex Probs
Member since Jan 2004
383005 posts

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

You just need a competent contractor that knows storm repair and how to use Xactimate.

Yes contractor is the most important factor. Even if you get an attorney, they're going to rely on a contractor or PA. And your contractor is "free" compared to an attorney/PA.


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Jumbo_Gumbo
LSU Fan
Denham Springs
Member since Dec 2015
4812 posts

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


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stout
Arizona Fan
Smoking Crack with Hunter Biden
Member since Sep 2006
150019 posts
 Online 

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

It's practically good advice to cover the whole roof, regardless of the insurance implications.


If this was a category 2 or something then I could see there being a grey area. With a monster like Ida the roof may look fine to someone that doesn't know what to look for when in reality it isn't so yes better to tarp and be safe. Debris impact alone will not be fully visible without proper assessment from someone with proper experience.

Insurance companies have a different standard for damage not solely related to the wind but usually, it is 8+ debris impacts in a 10x10 area is justification enough.

It doesn't take a lot. Just some areas like this







This post was edited on 8/30 at 4:33 pm


Nguyener
USA Fan
Kame House
Member since Mar 2013
18318 posts

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

Any company offering to deal with your insurance for you is a scam artist and not there to help you
quote:

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 absolute best two pieces of advice anyone can read when dealing with repairs in Louisiana.
This post was edited on 8/30 at 4:33 pm


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40
DownshiftAndFloorIt
US Space Force Fan
Here
Member since Jan 2011
59321 posts

re: FYI for Ida victims: Roof-Tarp and Water Intrusion info for the next few days
My roof is pretty royally fricked up. I spent all day today getting branches and limbs off, patching holes etc. Took tons of pictures. What I'm worried about is getting it replaced with what I have. My whole roof is 22ga and I dont want it replaced with tin foil.


stout
Arizona Fan
Smoking Crack with Hunter Biden
Member since Sep 2006
150019 posts
 Online 

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

What I'm worried about is getting it replaced with what I have. My whole roof is 22ga and I dont want it replaced with tin foil.


There are a few metal roofing companies working in LA that have their own portable roller machines so they can manufacture their panels job-specific on-site.

You should be fine and probably get an upgrade to standing seam (if you don't have it already) using someone like that.


Warfox
LSU Fan
B.R. Native (now in MA)
Member since Apr 2017
1008 posts

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

I owe you an up vote. I’m one handing the phone and fat fingered it, missed and hit the down, sorry


PSA: Just hit your browser refresh button, and then hit upvote button: VOILA you just turned your down vote into an upvote!


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80
Tyger07
LSU Fan
Duson
Member since May 2020
239 posts
 Online 

re: FYI for Ida victims: Roof-Tarp and Water Intrusion info for the next few days
Great advice here and from Stout. To speed along the process with mortgage company if you need signatures from yourself and the mortgage company, overnight/2 or 3 day select the check once you sign and enclose the same overnight/2 or 3 day select for them to return to you.
This will save you aggravation and about a week to 10 days to have it returned.


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30
Sao
SMU Fan
East Texas Piney Woods
Member since Jun 2009
52773 posts

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

My whole roof is 22ga and I dont want it replaced with tin foil.




Did you mean 12 ga?


stout
Arizona Fan
Smoking Crack with Hunter Biden
Member since Sep 2006
150019 posts
 Online 

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

Did you mean 12 ga?


Troll?

He meant the thinner/average stuff you see all over that is 29 or 26 gauge. 22 gauge is the thickest R-Panel and is usually found on mostly commercial applications.
This post was edited on 8/30 at 5:10 pm


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40
DownshiftAndFloorIt
US Space Force Fan
Here
Member since Jan 2011
59321 posts

re: FYI for Ida victims: Roof-Tarp and Water Intrusion info for the next few days
Thats badass. I do have standing seam already but its so fricked up I had to cut shite out and glue down pieces of sheets I had laying around just to get it closed off. Im tarping it tomorrow once I get some tarps.


stout
Arizona Fan
Smoking Crack with Hunter Biden
Member since Sep 2006
150019 posts
 Online 

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

Thats badass


The machine is really cool. In the higher 5 figures cool but they paid it off 10 times by now in LC alone.



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HubbaBubba
LSU Fan
Gab: @Hubba_Bubba
Member since Oct 2010
37180 posts

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

stout
All good advise. Here's more:

Being a licensed contractor does not mean that you are covered. A licensed contractor showing you a COPY of their liability policy does not actually certify they are covered. Nor does a copy of their worker's compensation policy statement.

Here's how to ensure (thanks poster moneyg insider info: get the premium subscription to understand) that you are covered:

1. Tell the contractor that you are happy with and want to contract with to contact his insurance agent / insurer and to issue a new certificate of insurance showing both Liability coverage and Worker's Compensation coverage (they may use two different agents for this, so would need two certificates of insurance) AND (this is very important) to add you (yourself, or you and your spouse, however the house is titled) as "OTHER INSURED". This is free to the contractor, does not cost them anything extra, and it adds you as insured against liability in case the contractor does something to cause damage to public property or your neighbors' property and you get sued. Plus, the insurance company, not the contractor, will send an original copy of the insurance certificate directly to you in the mail. This way, you are assured that the contractor is covered, and that you are, too.

2. Have your contractor advise you, in writing, that he/she is not/will not be using any "independent contractors", usually meaning no illegals that are paid under the table. If you see a bunch of Mexicans on your roof, there is a 95% certainty that they are not covered by worker's compensation and are being paid under the table. Illegal or not, if one falls off the roof and breaks his neck, and is paralyzed, you are just as liable as the contractor. Contact your insurance company and have them add a temporary rider that covers you in the event the contractor does not cover (as required by law) everyone on your property. This is peace-of-mind insurance and is a very small fee.

Here is a link to the standard Acord 25 certificate form used by insurance companies to certify coverage (and by unscrupulous businesses that just want to print out a form and fill in the blanks to APPEAR like they have insurance). online .pdf file
This post was edited on 8/30 at 5:57 pm


DownshiftAndFloorIt
US Space Force Fan
Here
Member since Jan 2011
59321 posts

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

one falls off the roof and breaks his neck, and is paralyzed, you are just as liable as the contractor


quote:

add a temporary rider that covers you in the event the contractor does not cover (as required by law) everyone on your property


God damnit this is a fricked up arse country


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60
stout
Arizona Fan
Smoking Crack with Hunter Biden
Member since Sep 2006
150019 posts
 Online 

re: FYI for Ida victims: Roof-Tarp and Water Intrusion info for the next few days
I get what you are saying, but this...

quote:

Have your contractor advise you, in writing, that he/she is not/will not be using any "independent contractors",


Means you will still be searching for a contractor 3 years from now.

ETA:

quote:

However, the terminated employee may still qualify for workers’ comp in many case. State laws in Texas, New York, Florida and Utah specifically grant undocumented workers who are injured on the job the right to collect workers’ comp benefits. In Connecticut, Georgia, Nebraska, Louisiana, Ohio, Oklahoma, North Carolina, New Jersey and South Carolina, the courts have ruled that an employee cannot be denied workers’ comp solely because he or she was an undocumented worker who was illegally employed.




LINK
This post was edited on 8/30 at 6:00 pm


HubbaBubba
LSU Fan
Gab: @Hubba_Bubba
Member since Oct 2010
37180 posts

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

Means you will still be searching for a contractor 3 years from now.
I understand what you are saying, too, but if the contractor is using "independent contractors" you as a homeowner are not covered and are assuming liability risk unless each person that is an "independent contractor" signs a waiver of liability form, and you have a copy of their form and their ID. In this case, you definitely should not use a contractor that refuses to provide this unless you just really like the guy and want to expose yourself to liability risk.


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20
HubbaBubba
LSU Fan
Gab: @Hubba_Bubba
Member since Oct 2010
37180 posts

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

However, the terminated employee may still qualify for workers’ comp in many case. State laws in Texas, New York, Florida and Utah specifically grant undocumented workers who are injured on the job the right to collect workers’ comp benefits. In Connecticut, Georgia, Nebraska, Louisiana, Ohio, Oklahoma, North Carolina, New Jersey and South Carolina, the courts have ruled that an employee cannot be denied workers’ comp solely because he or she was an undocumented worker who was illegally employed.
The problem that comes in is when that contractor does not register that person as an employee and does not pay unemployment insurance, and that persona signed a waiver of liability form with that contractor, but not with the homeowner.

My best advise is to discuss your exposure with your insurance agent and if your agent leaves you open to liability after the discussion, then if something bad happens, you can then also sue the agent under errors and omissions.


Arbengal
LSU Fan
Louisiana
Member since Sep 2008
2093 posts

re: FYI for Ida victims: Roof-Tarp and Water Intrusion info for the next few days
This is a fine gentleman and a credit to the human race. Thank you for helping others in need!


JoseVargasTX
LSU Fan
Heath, TX
Member since Sep 2011
679 posts

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

We will be coming in towards the end of the week with manpower...

The certificate of insurance is a must and they must get their carrier to list you as additional insured.

We work with several hundred contractors and each of them have their own COI from us with them named as additional insured.

We are coming in to work with commercial and industrial contractors...

We provide all ppe for our guys. They’ve all been through our safety orientation, drug tested, everified.

We cover their comp, payroll taxes, and keep a general liability policy on all of them.

We have worked and do work on some of the country’s largest and highest profile jobs including intel in Az, Tesla, stadiums, hospitals, schools, high rises...

Goal is to come in and supplement commercial and industrial crews.

If anyone needs help in those areas, let me know.



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