Give me a ring at your convenience (Now, if you want, I keep weird hours), I'll explain what they are doing and why. It's legit but they aren't explaining it properly and will ultimately force your folks to a cheaper roofer which won't do them any favors or save them any money.ought1ag said:
My parents had some hail damage and the company out of San Antonio is telling her they can't give her an estimate without knowing what the insurance company quoted her.
I think thats a lie but she claiming all her neighbors are saying the same thing.
This is great insight. I am in the middle of a roof claim right now for hail damage and this is pretty much an echo of what my roofer told me (family friend). He said they would match the contract price from the carrier and explained to me the quality of product he would use. He is also throwing in some edge drip around the house at no charge (house has none). It gives me some peace of mind to see that this is the way it should be done.Jason_InfinityRoofer said:
The long and short of it is that the insurance price is legit and suitable for your area. The roofer wants to make sure that is the price they get because it provides a profitable amount suitable for the job. However, depending on how the insurance is paid out, the policy, the claim, etc, it may be a split payment or all up front, and depending on how that is, getting a quote will only serve to potentially short sell you on products, or not. Moreover, if they give you a cheap price, the insurance will pay not a single dime over it, so you get a roof that is adequate when they could have gotten the full amount and beefed up the materials for a better install.
My contracts are bulletproof for the customer. Your cost is the deductible, end of story. It's hardwired into the contract. So, once that is signed, I am accepting the price paid by insurance and if it's not good, it's not your problem. It's mine. I can give you a cheap price and 'beat' the insurance companies price, but that's not the business I am in. I am not interested in saving the carrier anything. I am interested in maximizing the product and install for my customer based on what the carrier has provided. Not all roofers operate that way, so you need to check the one you want to use.
Aggie71013 said:
I really don't understand the cost structure of roofing. I had 39 custom windows installed with a crew of 8 working for 5 days for the same cost as a roof that takes one or two days to install. Are custom windows less expensive to produce and install than commodity shingles? Roofers are also the only tradesmen that often show up in 80k trucks (yes I know they can be deducted as a business expense).
Jason_InfinityRoofer said:
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The long and short of it is that the insurance price is legit and suitable for your area.
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Chase said:Jason_InfinityRoofer said:
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The long and short of it is that the insurance price is legit and suitable for your area.
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Jason, y'all don't run into situations where the insurance company is using slightly older pricing data or short-changing the customer?
I didn't mean to suggest above that the pricing wasn't legit but it is sometimes inaccurate. I had helped my client that is a roofer install and get rolling with Xactimate to combat problems he would run into with this.
aggiebrother33 said:
Anyone on here get denied a twia claim for obvious hail and wind, because "they sizes were inconsistent"? The inspector told me that, and he has to keep a good rating not buying too many or too little roofs, which affects that. Such a crock
Chase said:aggiebrother33 said:
Anyone on here get denied a twia claim for obvious hail and wind, because "they sizes were inconsistent"? The inspector told me that, and he has to keep a good rating not buying too many or too little roofs, which affects that. Such a crock
Public inspector.
aggiebrother33 said:
Anyone on here get denied a twia claim for obvious hail and wind, because "they sizes were inconsistent"? The inspector told me that, and he has to keep a good rating not buying too many or too little roofs, which affects that. Such a crock
aggiebrother33 said:
Anyone on here get denied a twia claim for obvious hail and wind, because "they sizes were inconsistent"? The inspector told me that, and he has to keep a good rating not buying too many or too little roofs, which affects that. Such a crock
I can tell you that he does take care of everything..Quote:
Generally, I focus on making sure my customer has everything in the scope of work that should be in it. I put everything plus the kitchen sink and let the carrier sort out the policy exclusions. I work with a ton of carriers per year and all of them have different line items they allow. When I do it that way, the actual price list date is less important. Plus, I've had a carrier or two flat out deny my price list update. It's shady for them to do it but they can and if I've done right by my customer on the supplement, then they are still getting upgrades and it doesn't cost them anything extra and I don't have to grovel at the feet of the carrier for an extra nickel.
Jason_InfinityRoofer said:aggiebrother33 said:
Anyone on here get denied a twia claim for obvious hail and wind, because "they sizes were inconsistent"? The inspector told me that, and he has to keep a good rating not buying too many or too little roofs, which affects that. Such a crock
Ask for a reinspection with a new adjuster. Did your roofer meet him there? Did the roofer take his own photos and provide a report documenting side by side with adjuster markings to argue with the carrier? If not, do that first. These are the cheapest options for you and there is no time constraint at this point for you. Keep wearing them down.
The public adjuster route is good but it's going to cost you more and the PA will still need to decide if he even wants to fight it for you. If you need one send me an email and I'll send you one that I've worked with and is an Ag.
When you do get approval, make dang sure your roofer knows it's a TWIA claim and that he understands the permits and requirements for inspections and installation or you'll have a new set of problems later.
