Hurricane Ida damage question. Roofer asked to see the insurance estimate from my adjuster

He wants to max it out without you having to pay more.

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Is this normal practice?

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pretty common among sleazy roofing contractors

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should I ask for an estimate without him seeing what insurance wants to give me?

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it's none of his fricking business

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I wouldn’t show the roofer that.

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I WOULD show him the nearest exit off of your property, though...

You trying to save your insurance company some money? I’m sure they’ll return the favor

Would you rather he have no idea what's actually being covered by the insurance? Are the gutters included? IS it the whole roof or just one side? what type of underlying material, felt or synthetic?

so would you prefer him charge you more than the insurance is going to pay you b/c he doesn't know exactly what he should be doing?

You do realize that these roofers are going to make money no matter what. Give them the insurance estimate so they can make sure they are doing everything that is covered, and more often than not, they know loopholes to get you more. You aren't paying more than your deductible no matter what, but it is possible for them to find ways for you to not even pay your deductible. If you have roof/gutter/fence damage, there's ways to get around having to pay your deductible.

but sure, act like you know more than the guy that's put on a thousand roofs through insurance.

Amazing the amount of ignorance in these threads. Good luck “bid shopping” in 2021. The adjusters will tell you to give the estimate to the chosen contractor. Youre only saving the insurance company money, not yourself. Unless you just want to commit fraud which you’ll need the contractor to do as well.

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TeddyPaddilac

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This guy gets it.

BUT BUT DONT SHOW THOSE ROOFERS ANYTHING!!!!! ITS CLASSIFIED INFO AND THEY ARE ALL SCUM!!!! ACTUALLY JUST SHOOT TO KILL WHEN THEY SHOW UP!!!

I don’t know which people to believe. Half the thread says don’t show them and half says do.

If you’re not trying to commit insurance fraud and just want it done in a timely manner by reputable people, what do you do?

Insurance will give roofer half the money up front. After the roof is done, insurance will cut a check to roofer for remaining balance.
That's how they keep the payout amounts down....

Exactamate is currently paying 450-475/ square for a shingled roof with a decent pitch for residential. The residential roofers are typically 350-385/ square for the removal and replacement while making a decent profit margin at this rate.

Provided you are being paid the entire removal and replacement, the roofer you choose can assist with your out of pocket deductible.

All of that said, my course of action would be to simply tell the roofers pricing your job what your deductible is and that you expect to have that absorbed into the cost of the replacement.