Kenneth_2003 said:

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None for me yet in Spring...

But to piggyback on OPs discussion what are people's thoughts about impact resistant roofs? Any experience and any experience with HOAs and ACC?

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In a lot of cases, it's not worth the cost. That's my honest opinion. You may pick up a discount, but you may also rope yourself into a marring clause and not be eligible for replacement, depending on your carrier. You need to check this CLOSELY. The last thing you want is an impact resistant shingle that is damaged from hail, voiding ALL manufacturer warranties, and then have the carrier tell you they won't cover replacing it. I have not had it personally happen yet, but I have heard of it happening in the state with some of my project managers. Just giving full disclosure. I am happy to sell Class IV shingles, but I don't think it's worth it for the average lifespan of a roof in Texas. Now, if you want to get real about impact resistance, look at standing seam...as they say...buy once, cry once.

The sweet spot for impact resistance is the architectural Owens Corning Duration or the Malarkey Highlander. The Owens Corning recently applied for and has been awarded a 'Class III' rating, and Malarkey is also Class III rated. That means, you may not have to pay for an upgraded roof, but you might be able to slide in under the Impact Resistant requirements and pick up the discount anyway. IKO Dynasty now has this rating as well.

histag10 said:

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My husband is a roofer with Holden in the Houston area.

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Scott is damn good people! He and Histag tailgate with us and he has helped me a bit on some whiskey procurements!

I feel like this sometimes gets off the rails. So, just to clear this up....

Your insurance estimate is for your contractor.

You may get the paperwork, but it's for him to review. 90% of the adjusters I work with send it straight to me upon request. It's not a secret. The inexperienced or crooked adjusters tend to make customer's lives hard by telling them deceitful things like "don't show your contractor your estimate" and "you need three estimates". These are untrue. All this does is make things harder than they need to be, casts doubt and confuses the customer, and mucks up the works.

This is designed to be a very simple process.

Roof approved
Roofer selected
Roofer reviews estimate and accepts or supplements as needed
Roofer installs roof.
Roofer collects initial payment at completion and sends full invoice to insurance for release of depreciation.
Roofer collects final payment once released to homeowner

Done.

If you're roof is approved for replacement, getting hard bids is a potentially costly mistake for a homeowner. Many well meaning folks that do that after having insurance approve replacement are those that think they need the 'best price'. 'Best price' for most means 'cheapest'. When insurance has provided the absolute bare minimum amount of agreed payment, seeking someone to do it even cheaper is not the way forward. You aren't making money on your roof. You aren't having your deductible covered due to statutes.

All you need to do is find a highly qualified contractor, pick a roofing product, and let him do his job.

GETTING BIDS:

I want my customers to trust what I do and rely on me as an expert to make sure their roof is done right and the carrier properly closes out the roofing claim. If customer wants a bid and they have an approved insurance scope and won't show it to me, that's OK. I'll build a bid. However, I will also explain a few nuances.

1.) You will owe the bid a mount when I finish the roof - Your carrier won't pay you all of it up front (in most cases). So, you will be on the hook for all of it. You can send it to the carrier and they will reimburse you, but if there are any issues, it will be up to you to recover the money from the carrier.

2.) If there is excessive roofing issues, like rot, ventilation problems, etc, you will be notified of the additional expense of which you will be responsible via change order. If you don't want to pay for that, we just move on and leave it as it is, or I leave it up to the customer.

If we go the insurance route, which has already been approved in our example, You only owe me the deductible and the roof money the carrier has sent you to date. If it takes another 14 months to get the rest of it from the carrier, that's not really your problem, that's my problem. You aren't out money you don't have. If I find errors, rot, issues that need to be resolved, I can take that up with the carrier and make it their problem, not yours.

Again, I have done this a long time and I can get a customer through it however I need to get them through it. It just takes time and a little education. Again, I like to have the chance to have a customer trust what I do and if that takes a little extra work and extra conversations, so be it.