myriad_embers
member
Posts: 84
Loc: Allen, TX,USA
Reg: 09-02-04
|
 04-04-14 12:30 AM - Post#167276
Roof is leaking and need to find somebody to fix it ASAP.
Any recommendations and tips on how to deal with insurance claims?
Guess many folks may be on the same boat with the hail storm!
|
 Debbie
enthusiast
Posts: 606
Loc: Allen, TX USA
Reg: 01-24-00
|
04-04-14 06:10 AM - Post#167279
In response to myriad_embers
Here's a link to a recent discussion on the same topic.
Link
|
ConserveNature
enthusiast
Posts: 174
Reg: 10-15-05
|
04-04-14 06:16 PM - Post#167301
In response to Debbie
Any other recommendations since I like to get the recommended 3 estimates.
|
Bytor
member
Posts: 26
Reg: 01-16-09
|
04-04-14 09:00 PM - Post#167305
In response to ConserveNature
We have used Scott Roofing before and were very pleased.
|
LowGear
enthusiast
Posts: 302
Loc: Allen, TX
Reg: 01-12-06
|
04-04-14 10:19 PM - Post#167309
In response to ConserveNature
BryJo Roofing is excellent.
|
Allensince1993
enthusiast
Posts: 521
Reg: 06-06-12
|
04-05-14 08:28 AM - Post#167315
In response to LowGear
Nice website until you read all the false information they provide, giving them reason to explain their 'high costs'. (office space, exaggerated claims for deductibles, 'required insurance',etc.) There is NO licensing board for roofers or contractors in Texas. We are way behind the times in Texas.
http://www.bryjo.com/absorbing-deductibles -is-frau...
As a consumer do your research and negotiate with the roofer. Don't buy into the BS that they can't come down off their price. They quote wrong codes that don't apply to themselves and try to stick you with retail-plus.
And remember, a payout by your insurance company is a legal settlement (your money).
James DeLaGarza
Realtor/Broker since 1992 |
|
StacyLynn624
enthusiast
Posts: 1091
Loc: West Side
Reg: 09-24-04
|
04-05-14 09:45 AM - Post#167319
In response to Allensince1993
We've used bryJo before and they were good. They weren't the most expensive bid, they were in the middle.
|
rw
member
Posts: 617
Reg: 10-11-01
|
04-05-14 11:06 AM - Post#167323
In response to StacyLynn624
Who ever you use, be sure that they carry liability and work comp insurance...in case they damage your property etc and in case one of their workers gets injured on your roof or your property...
And it is against the law for them to "rebate" or somehow cover your deductible. Most insurance companies now require proof that you paid the deductible.
|
Allensince1993
enthusiast
Posts: 521
Reg: 06-06-12
|
04-05-14 10:47 PM - Post#167329
In response to rw
Who ever you use, be sure that they carry liability and work comp insurance...in case they damage your property etc and in case one of their workers gets injured on your roof or your property...
And it is against the law for them to "rebate" or somehow cover your deductible. Most insurance companies now require proof that you paid the deductible.
It's not against the law for them to 'somehow' cover your deductible. Roofing is an unregulated and non-licensed industry (unlike plumbing and electrical). It should be regulated. Some of the claims they make are unreal. Some of these websites claim it's illegal to 'cover deductibles', etc. all in an effort to extract maximum dollar. They know your insurance company will cover everything and if they lead you to believe you don't have ANY negotiation power then they have you right where they want you.
I'm not going to pay one penny for my deductible AND I'm going to get a thermal barrier (radiant barrier) installed at no additional cost. That roofer, to have the privilege of getting my business, can market his company (sign in yard) at a COST of nearly $1,000 (my deductible). WHY!?!?!? Because he's going to get MORE business from that sign. And I will promise to refer him to 10 people. If even one of those people go with him it's a huge profit margin to him and he's more than willing to pay that fee.
The agreement between me the roofer is between us only and does not involve my insurance company. What the insurance company pays me is a legal settlement.
I'm a negotiator by trade and I know BS when I see it and I'll get top quality and pay the least amount when I can. Kind of reminds me of the idiot Realtors in my business still touting why you should pay 6% to sell a house; and funnier that people pay it.
Competition is good for our economy and leverage and negotiation is everything in our business.
Most insurance companies now require proof that you paid the deductible.
It's paid....oh and by the way, my agreement with the roofer? He'll pay me for the sign in the yard and throw in some extras. Seems 'somehow' I avoided the deductible. Legal, ethical and everyday 'competitive' business.
James DeLaGarza
Realtor/Broker since 1992 |
|
lostyankee
enthusiast
Posts: 1336
Reg: 10-27-05
|
04-05-14 11:57 PM - Post#167330
In response to Allensince1993
Texas Insurance Commission would disagree with you:
http://www.tdi.texas.gov/fraud/faq.html
Padding or inflating an insurance claim, may involve any type of insurance but most commonly occurs with homeowners and auto claims. Generally, these are legitimate claims where additional lost property or damages are reported to increase the claim or offset the insured’s deductible.
Edited by lostyankee on 04-05-14 11:59 PM. Reason for edit: No reason given.
|
DrivinTooFast
enthusiast
Posts: 1874
Reg: 02-20-08
|
04-06-14 07:42 AM - Post#167333
In response to myriad_embers
Roof is leaking and need to find somebody to fix it ASAP.
Any recommendations and tips on how to deal with insurance claims?
Guess many folks may be on the same boat with the hail storm!
First only use local roofers with good reputations. We used Town and Country Roofing out of Frisco after the mini tornado 6 years ago.
Get the roof temporarily patched with blue tarp. The roofer can do this for you and the insurance company will cover loss mitigation. It is just added to the claim.
On the insurance side, it's a good time to review your deductibles. to see where you are at. If you have a 15 year roof then the amount the insurance company will probably be adjusted for the roof's age. If you have a 30 year roof the adjustment is lower. Look around for all the possible damage - AC units, fences, gutters, windows, etc. You need to make sure your claim is sufficient to get the work done after satisfying your deductible.
Edited by DrivinTooFast on 04-06-14 07:44 AM. Reason for edit: No reason given.
|
Allensince1993
enthusiast
Posts: 521
Reg: 06-06-12
|
04-06-14 08:12 AM - Post#167334
In response to lostyankee
Texas Insurance Commission would disagree with you:
http://www.tdi.texas.gov/fraud/faq.html
Padding or inflating an insurance claim, may involve any type of insurance but most commonly occurs with homeowners and auto claims. Generally, these are legitimate claims where additional lost property or damages are reported to increase the claim or offset the insured’s deductible.
Nice try. Don't dare allow a roofer to 'pad or inflate an insurance claim'.
BUT...the roofer can throw in extras like thermal barriers (FOR FREE) and I CAN CHARGE him to market HIS BUSINESS in my front yard. AND...he can pay me to promise to refer people or to refer people.
James DeLaGarza
Realtor/Broker since 1992 |
|
lostyankee
enthusiast
Posts: 1336
Reg: 10-27-05
|
04-06-14 09:32 AM - Post#167337
In response to Allensince1993
If it's free, it's not on the invoice.
If you can rationalize it, I guess it's not fraud.
|
Allensince1993
enthusiast
Posts: 521
Reg: 06-06-12
|
04-06-14 09:42 AM - Post#167338
In response to lostyankee
If it's free, it's not on the invoice.
If you can rationalize it, I guess it's not fraud.
Free doesn't have to be on the invoice. It's a legal settlement with no rationalization.
Roof is leaking and needs replacing. If it's 10k to replace the roof and your deductible is 1k then you'll get 9k from the insurance. The roofer shows the invoice to reflect 10k (cost to replace the roof). If he gives you a solar tube and/or radiant barrier material, etc. then it's a freebie.
I can charge my roofer any amount (that he agrees to) to place a sign in my yard. He's going to PAY me for that advertising. I KNOW he'll make money putting a sign in MY yard. I'm not going to allow that for free. He WILL pay me, period if he wants my business. That's a separate agreement between me and my roofer. That's not fraud, that is business.
BUT...I steer clear of those lying roofers who try to tell you, "it's fraud because you're asking me to give you your deductible." Total BS. If that roofer plays that game or has it on his/her website I'm telling him to go away. Don't trust him, don't like him, and he's a greedy guy using a false tactic to get someone to pay MORE than retail.
You guys do what you want. You want to pay 6% to a realtor to sell your house in an internet age where it's easier to sell, have at it. If you want to have a roofer charge you full price and not negotiate with him, have at it. If you are afraid to negotiate the price with a car salesman, then you pay more. If you're afraid to ask the car repairman, "Can you do any better on the quote?" I'm too smart for that. I'm a negotiator by trade in all that I do. And honestly, I just don't want people being fooled.
James DeLaGarza
Realtor/Broker since 1992 |
|
lostyankee
enthusiast
Posts: 1336
Reg: 10-27-05
|
04-06-14 11:36 AM - Post#167340
In response to Allensince1993
I misunderstood you.
I negotiate for a living as well. I apologize if I inferred something you didn't say.
|
SB
enthusiast
Posts: 1551
Reg: 09-07-03
|
04-06-14 11:42 AM - Post#167341
In response to Allensince1993
I have used BryJo for several roof repair jobs and would also recommend them.
Regarding the comments about deductibles, I would seek out alternative opinions to add into consideration before accepting that advice.
http://dallas.bbb.org/storage/50/documents/ Roofing...
|
StacyLynn624
enthusiast
Posts: 1091
Loc: West Side
Reg: 09-24-04
|
04-06-14 01:34 PM - Post#167343
In response to SB
One thing to remember if you have a pool and are getting your roof replaced, check your pool for nails. Most pool sweeps won't pick them up, and they will cause rust stains in your plaster if left there.
The insurance company is going to reimburse you (less your deductible) to replace the roof that's on there now. If you want to get additional things, like vents or upgrade from a 20 year to a 30 year roof, the difference is on you. If the roofer throws in the upgrade for free, in order to retain your business in the shark tank, that's not fraud. If the invoice has extras that you don't currently have, don't expect your insurance company to pay for those. Insurance is only meant to get you back to the financial position you enjoyed prior to the loss, not make you better off.
Edited by StacyLynn624 on 04-06-14 01:34 PM. Reason for edit: No reason given.
|
DavidP
newbie
Posts: 24
Reg: 12-01-10
|
04-06-14 02:11 PM - Post#167344
In response to StacyLynn624
Give Tom Hoefer a call with Sta-Tex roofing. He lives in the area and has been doing roofing since 1955. Excellent work.
http://www.haildamage.com/
|
Allensince1993
enthusiast
Posts: 521
Reg: 06-06-12
|
04-06-14 04:59 PM - Post#167348
In response to SB
Lot of writing then they sum it up perfectly:
Nevertheless, a “technical” loophole exists. Roofers cannot advertise that they will pay or rebate an insured’s deductible, but waiving a deductible is not an offense under section 27.02.
James DeLaGarza
Realtor/Broker since 1992 |
|
RRRquilter
enthusiast
Posts: 1471
Loc: Allen
Reg: 05-02-05
|
04-06-14 05:02 PM - Post#167349
In response to Allensince1993
No wonder insurance costs continue to rise. To many are dishonest in their dealings. Rationalized or not, it is dishonest.
|
Allensince1993
enthusiast
Posts: 521
Reg: 06-06-12
|
04-06-14 06:08 PM - Post#167350
In response to RRRquilter
No wonder insurance costs continue to rise. To many are dishonest in their dealings. Rationalized or not, it is dishonest.
One of my favorite quotes from earlier; that Texas has some of the highest rates. DUH. We have some of the most fiercest wind and hail storms in the country. We have floods down south, hurricanes once per decade, and frequent storms in our region. Our populations are becoming more dense per square mile so the catastrophes affect more. We will always be rated highly. Every year the insurance companies petition the state to raise our rates even higher.
I can tell you that a banana is YELLOW and a lot of you will argue that it's not. I'm sorry, facts are facts. I despise roofers telling people they can't do the job cheaper when they can and they lie and make up crap to get you to pay full retail+. Until they are a fully licensed industry(like plumbing and electrical) you'll always have these issues.
James DeLaGarza
Realtor/Broker since 1992 |
|
kzoch
member
Posts: 56
Loc: West Allen
Reg: 08-04-08
|
04-08-14 11:55 AM - Post#167393
In response to RRRquilter
Call Randy Pickle at Pickle Roofing.
|
Allensince1993
enthusiast
Posts: 521
Reg: 06-06-12
|
04-08-14 12:38 PM - Post#167401
In response to kzoch
Call Randy Pickle at Pickle Roofing.
My client at Constellation used him to patch a leak but then when it was re-inspected the inspector noticed he didn't patch the second spot that was leaking. Becky, the homeowner, specifically asked him to repair both but to check out the entire house while he was up there. He even had the forty-page inspection from the inspector and knew what needed to be completed. Becky was not impressed with him.
I don't know him personally and this was my only experience with him. I do understand people make mistakes. I truly wish they'd require licensing for roofers. 'Anyone' can be a roofer overnight.
Check references, make sure they have the proper insurance, and get a few bids.
I did a google search of his business address: 1333 W.McDermott, Suite 200, Allen, TX 75013
It comes up with NUMEROUS businesses. Why do some roofers do this? It makes them look larger than they are. It's all about a 'front'. What's wrong with working out of your house? Just admit it.
Not very honest in my opinion.
James DeLaGarza
Realtor/Broker since 1992 |
|
Allensince1993
enthusiast
Posts: 521
Reg: 06-06-12
|
04-08-14 02:24 PM - Post#167413
In response to Allensince1993
DO YOUR RESEARCH.
An agent at Keller Williams was recommending Eddie Paschall with Outback Roofing.
Who is Eddie Paschall? We remember him as 'fast eddie'. He was loan officer and was convicted of mortgage fraud. You might wonder why our mortgage industry was messed up. It was because of lenders such as himself.
Why on earth a Realtor would be recommending him I have no idea. Shame on them. The man scammed people out of money. Convicted of fraud and lost his license.
If the roofing industry was licensed he'd have no license to practice.
Links:
http://www.ripoffreport.com/r/Outback-Roofing/Dal l...
Who he is and who to be wary of:
http://www.teamnetworking.com/profile/955/
http://www.mortgagefraudblog.com/images/uploads/TX...
From another link:
Dan Eddie Paschall Jr., 36, McKinney, possession controlled substance, possession controlled substance, false statement for property/credit, money laundering under $200,000, engage in organized criminal activity. - See more at: http://www.cleburnetimesreview.com/local/x20232154...
There are other 'ripoffreport.com' reports.
The message here is to be VERY CAUTIOUS on who you allow on your roof. Scams will be about the town.
Any person can claim to be a roofer. Make sure they have insurance, have certifications, a good rating with the BBB, and research their credentials.
James DeLaGarza
Realtor/Broker since 1992 |
|
PartyOfEight
enthusiast
Posts: 303
Reg: 12-09-07
|
04-09-14 04:44 PM - Post#167483
In response to Allensince1993
Summit Roofing. Local company that's been here for years. Mark is an honest guy who has done several roofs for me over the years.
Growth for the sake of growth is the ideology of a cancer cell.
Edward Abbey |
|
mwestfall
member
Posts: 91
Reg: 04-07-08
|
04-09-14 04:48 PM - Post#167484
In response to PartyOfEight
We used Summit too for a small leak several months ago. Good price, good work and I didn't feel like he was trying to rip me off.
|
Allensince1993
enthusiast
Posts: 521
Reg: 06-06-12
|
04-09-14 05:00 PM - Post#167485
In response to mwestfall
We used Summit too for a small leak several months ago. Good price, good work and I didn't feel like he was trying to rip me off.
Has done work for me in the past. Good guy, good company. Honest.
James DeLaGarza
Realtor/Broker since 1992 |
|
Cheatham Parent
enthusiast
Posts: 225
Reg: 01-23-11
|
04-10-14 01:30 PM - Post#167528
In response to Allensince1993
5 unsolicited calls from roofing companies this week. I guess the do not call list doesn't apply to those folks.
|
easy1340
newbie
Posts: 20
Reg: 07-24-10
|
04-15-14 12:26 AM - Post#167609
In response to Allensince1993
You need to step off your "soap box" and realize that while some contractors are not "worth their weight in salt", legit contractors pay for insurance, licensing and permits.
As a contractor I would NEVER pay your arrogant self to place a sign in your yard!
You are obviously a realtor and think you know everything about home inspection and the building/remodel process.
You may have some experience with the process, but until you are fist deep in feces from a broken sewer line or covering a half roofed 500k home during a storm you have no clue!
I would generally say you mean well, but based on your posts you are a "know it all" and you could greatly learn from my experience. Once you take off your penny loafers, walk up a steep roof incline at 30' above the ground you will understand what roofing and construction is all about!
|
SB
enthusiast
Posts: 1551
Reg: 09-07-03
|
04-15-14 01:50 PM - Post#167631
In response to easy1340
Allensince1993 is a former firefighter so I expect in that capacity he has walked the walk of difficult building environments.
Think he is a Tea Partier so his sometimes crazy ideas are fair game for challenge. ;-)
|
Allensince1993
enthusiast
Posts: 521
Reg: 06-06-12
|
04-23-14 09:57 PM - Post#167885
In response to easy1340
You need to step off your "soap box" and realize that while some contractors are not "worth their weight in salt", legit contractors pay for insurance, licensing and permits.
As a contractor I would NEVER pay your arrogant self to place a sign in your yard!
You are obviously a realtor and think you know everything about home inspection and the building/remodel process.
You may have some experience with the process, but until you are fist deep in feces from a broken sewer line or covering a half roofed 500k home during a storm you have no clue!
I would generally say you mean well, but based on your posts you are a "know it all" and you could greatly learn from my experience. Once you take off your penny loafers, walk up a steep roof incline at 30' above the ground you will understand what roofing and construction is all about!
That's funny. I just read this.
I've roofed a house before. I've done plumbing, remodeled houses inside and outside, redid showers, installed wood and tile flooring, installed plumbing, built fences, etc. It's good to be handy and with the internet you can do a lot if you're willing.
I've flipped houses as a hobby since 2003. Watch for me on the courthouse steps on the first Tuesdays of the of the month.
I've worked Real Estate for nearly 22 years and yes, I've seen many inspection reports. Being a type-A and hyper-focused individual (the kind you want on your side when dealing Real Estate) I've picked up on a lot of the ins-and-outs of a house.
Just a few weeks ago, with the raised eyebrows of the city (Shelley can attest how upset Kurt K. was), I had my boys trench and lay a new sewer line for the property at Main St. We installed a sump pump at one point of the stretch. We even trenched the line next door to replace 6 foot of old rusted iron lines so we could get better waterflow to the house. All under the direction of the permitted plumber of course.
In addition to our rental properties we manage several for clients. Having the experience with handyman work, etc. it's good for your clients to know what items 'should' cost when dealing with repair items prior to a closing. Try hitting up Molly Ms. Pretty/Personality Realtor with the Mercedes Benz when you have questions or need help.
I wish the state of Texas required contractors and roofers to have a license. I came back to this site tonight because a client was having an issue with Bold Roofing. Apparently they have a B- BBB rating and a google search shows they roofed the wrong house a few years ago (not the first time they've done that).
Again, do your research on the roofers. I'm seeing lots of out-of-state license plates.
We had a church friend in TC complain that a roofer wanted a contract and a lot of money upfront before they would agree to tarp three leaks that developed from the 4-3 storm. I called my friend who owns a roofing company, asked him what to do and how to do it, and followed his instructions. I went to the house, climbed the very top (those aren't easy roofs in TC) and tucked tarp under the start shingles worked them over the area and used cap nails. She was good to go. Please don't blast me as a know-it-all.
Yes SB, I was a firefighter, too. Top Rookie of class 238 for the City of Dallas and worked for 7 years. Fought fires (learn about structures and construction there, too), saved lives, and delivered babies. Our ladder trucks went well past 30'. Life has been quite the experience. And despite rumors, I'm not really good on computers.
James DeLaGarza
Realtor/Broker since 1992 |
|
jrob
member
Posts: 98
Loc: Allen
Reg: 04-29-09
|
04-23-14 11:15 PM - Post#167890
In response to Allensince1993
... Life has been quite the experience. And despite rumors, I'm not really good on computers.
Now that's incredibly funny.
Edited by jrob on 04-23-14 11:16 PM. Reason for edit: No reason given.
|
Allensince1993
enthusiast
Posts: 521
Reg: 06-06-12
|
04-23-14 11:40 PM - Post#167891
In response to jrob
... Life has been quite the experience. And despite rumors, I'm not really good on computers.
Now that's incredibly funny.
My wife didn't marry me for my looks. If you can't laugh at yourself life is too boring.
James DeLaGarza
Realtor/Broker since 1992 |
|
ChrisH
enthusiast
Posts: 442
Reg: 07-30-08
|
04-24-14 02:16 PM - Post#167925
In response to Allensince1993
Roof Family
http://roof-family.com/
We used them for repairs in the past and they just replaced our roof last week. Very satisfied.
|
Allensince1993
enthusiast
Posts: 521
Reg: 06-06-12
|
04-25-14 01:04 PM - Post#167952
In response to ChrisH
Roof Family
http://roof-family.com/
We used them for repairs in the past and they just replaced our roof last week. Very satisfied.
Too many times in seasons like this where roofers are coming from all over it's critical to do your research. I remember issues in the late 90's where people had leaks and could never find the roofer for the repairs.
Let's look at Roof-Family as an example. Those aren't Texas houses and roofs in the pictures.
David Joya is listed as the owner and on the BBB he has 6717 Sweetwater in Plano as his address yet James and Donna Mercer live there; James getting the house in a divorce in 2005.
On Angies List he's listed 'in his own words' as a 'start-up company'. In order he lists as his services, gutter repairs, roof cleaning, and roofs.
The BBB has him rated below their top ranking because according to their site 'he hasn't been in the business long enough.'
The phone number he uses is also the same number used for another company name; Pristine Roof MGMT Projects. Two roofing companies, one phone number is odd.
Where was he when he registered his website? The research shows it was registered to Joya and he listed as an address a PO BOX in Seattle, Washington which coincidently leads to another roofing company.
So my question is if you have roof issues where are you going to go looking if you can't reach him on the phone? Sweetwater in Plano and ask Mr. Mercer? Or Seattle?
These situations happen. They are real.
WHOMEVER you go with PLEASE research them THOROUGHLY. Roofs are a major investment, many will NOT show you the correct type of insurance, and many won't be around later when you have issues.
FYI, I'm not making any recommendations other than to do your research. It's against the forum rule's to advertise or promote a company that doesn't advertise.
James DeLaGarza
Realtor/Broker since 1992 |
|
allspecies
newbie
Posts: 4
Reg: 05-12-14
|
05-13-14 02:03 PM - Post#168538
In response to Allensince1993
LSDG Roofing
105 S. Butler
Allen, TX 75013
469-450-6351
They have an actual office here in Allen for 10 years and have completed 2 projects for us. Very Professional and they donate to the Allen Community Outreach for every project they do.
|
Allensince1993
enthusiast
Posts: 521
Reg: 06-06-12
|
05-13-14 02:36 PM - Post#168542
In response to allspecies
LSDG Roofing
105 S. Butler
Allen, TX 75013
469-450-6351
They have an actual office here in Allen for 10 years and have completed 2 projects for us. Very Professional and they donate to the Allen Community Outreach for every project they do.
And they are a paid advertiser which helps keep the site in business. And per the forum rules, and out of respect, it's the only companies (paid advertisers) you should be referring on the boards. Everything else you can send via a PM.
James DeLaGarza
Realtor/Broker since 1992 |
|
