myriad_embers
member
Posts: 84
Loc: Allen, TX,USA
Reg: 09-02-04
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 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!
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 Debbie
enthusiast
Posts: 609
Loc: Allen, TX USA
Reg: 01-24-00
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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
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ConserveNature
enthusiast
Posts: 175
Reg: 10-15-05
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04-04-14 06:16 PM - Post#167301
In response to Debbie
Any other recommendations since I like to get the recommended 3 estimates.
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Bytor
member
Posts: 26
Reg: 01-16-09
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04-04-14 09:00 PM - Post#167305
In response to ConserveNature
We have used Scott Roofing before and were very pleased.
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LowGear
enthusiast
Posts: 304
Loc: Allen, TX
Reg: 01-12-06
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04-04-14 10:19 PM - Post#167309
In response to ConserveNature
BryJo Roofing is excellent.
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Allensince1993
enthusiast
Posts: 521
Reg: 06-06-12
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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 |
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StacyLynn624
enthusiast
Posts: 1092
Loc: West Side
Reg: 09-24-04
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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.
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rw
member
Posts: 618
Reg: 10-11-01
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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.
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Allensince1993
enthusiast
Posts: 521
Reg: 06-06-12
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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 |
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lostyankee
enthusiast
Posts: 1336
Reg: 10-27-05
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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.
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DrivinTooFast
enthusiast
Posts: 1878
Reg: 02-20-08
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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.
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Allensince1993
enthusiast
Posts: 521
Reg: 06-06-12
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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 |
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lostyankee
enthusiast
Posts: 1336
Reg: 10-27-05
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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.
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Allensince1993
enthusiast
Posts: 521
Reg: 06-06-12
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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 |
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lostyankee
enthusiast
Posts: 1336
Reg: 10-27-05
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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.
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SB
enthusiast
Posts: 1553
Reg: 09-07-03
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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...
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StacyLynn624
enthusiast
Posts: 1092
Loc: West Side
Reg: 09-24-04
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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.
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DavidP
member
Posts: 26
Reg: 12-01-10
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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/
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Allensince1993
enthusiast
Posts: 521
Reg: 06-06-12
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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 |
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RRRquilter
enthusiast
Posts: 1471
Loc: Allen
Reg: 05-02-05
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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.
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