Roof Damage Help .com

How would i learn how to deal with insurance companies to pay for roofs for people when there is storm and whether damage to their roofs.

Insurance companies will use only a pre-approved pool of contractors. They either send out their own loss adjusters, who will then go out and determine what should be done. Then they give the jobs to the people on their books. You would typically need £10m liability insurance and have to adhere to codes of conduct and do everything by the book. Roofing would often mean that the people living there may have to be accommodated in a hotel, so they would wnat speed and quality and not a one man band that can not complete the work if he gets ill or something.

Secondly they may use a private loss adjuster. This guy will typically know all about the insurance companies and how they work. The clients will sometimes be told by the insurance co to get three quotes from an approved contractor. They find this guy in the Yellow pages. He goes out and then does all the paperwork and gets anybody they want to do the work. They take the risk though. I used to do lots of work for this type of guy, but they always get a lot more than the contractor, but then again they take the risk.

Despite running 40 employees and excellent credentials, we could never get into the big insurers.

Competition is very tough as well now given the current climate. Insurance clients are informed that the roof costs say £20 000 to fix, you know you are only getting £6 000 and the clients often want you to do little extras and shaft the insurance. They are also of the opinion that a claim is a chance to get even with the insurance.

I stopped this kind of work, because the loss adjuster always made the money.

I had a company come out and quote me 2000.00 for about 1200sq ft. so i figured i’d rather do it myself. The roofing is about 25yrs old, not too mossy but there is some water damage.

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If you can get a skip close enough to you house, you could hire a uload skip throwing the tiles straight into the skip saving picking the tile up off the ground, in the pass we have used a sheet of metal roofing for a makeshift ram but this works better for tiled roofs.

How can we do water damage repair after flooding and leaking the pipes and roofs?

You will need to dry everything before you start the repair process. of course you must stop the water from coming in by repairing or replacing the roof. Then repair all pipes. The fastest way to dry it out is to remove some drywall and place high speed fans throughout the home. Remove all carpets that are effected as well as the padding. Take all soiled and wet items out of the home for drying. It takes a lot of hard work and should be left to the Professionals.

Our insurance company claims we have damage to the roof or garage. What we had was an interior gutter pipe that cracked in the wall on the 1st floor of a 3 story home. They seem to be redlining us.

What, they don’t know if the damage is to the roof, or to the garage??

Redlining means, they refuse to write insurance policies in a particular neighborhood. So if you have a policy, they aren’t redlining you.

What is covered, depends on the kind of policy you have. On the standard HO3, damage to the pipe itself is not covered. Damage to the walls of the house to get to the pipe, is covered.

Water damage that has been going on for a long time - evidenced by lots of wood rot, and you can tell by looking at the drywall/plaster - sometimes is excluded. You can’t neglect maintaining your house and then expect the insurance company to pay for it.

I had major hail damage from a storm. A couple of days later a roofing company was going around checking roofs. He checked mine and said I had hail damage and I signed what I thought was just a form that I had hail damage for my insurance company (It was very hot and humid out and didn’t have power for 3 days so wasn’t up to reading anything). It actually was a contract to do the work. The problem is in the fine print it says I must give them the full amount I receive from the insurance company. I’m not out to rip-off the insurance company but I would like to get a couple quotes and maybe go with someone where I could cover my deductible. I feel like I was taken advantage of and feel soooo stupid for not reading what I was signing. I had 3 days to viod the contract but it took me 5 days to actually read it. Is it possible to somehow get out of this?

Dear Stupidguy: That was dumb…but understandable. Follow some of the other suggestions, the first one being to see if the roofers are indeed licensed. Secondly, contact a lawyer: initial consultations are usually free, albeit of the 10-minute variety. Third, if you haven’t paid the roofers anything, you’re more in control of the situation than they are. These guys sound like predators who count on panic, stress and/or ignorance to take advantage of people. By remaining firm (and informed, as to their license status, Better Business Bureau record, etc.) you can probably fend them off and they’ll go away; they have other fish to reel in. And check with your insurance company about the proper procedure re: having work done and getting paid or reimbursed. The ins. co. might even have a list of approved roofers that they’ve dealt with or recommend.

But please, don’t sign ANYTHING without reading AND UNDERSTANDING it.

I am a salesman for a roofing contractor and I am trying to start filing claims for homeowners who didn’t realize their homes needed to be repaired and I want to make sure I am not setting myself and the homeowner up for failure

Lots of luck. The problem is, if they don’t have a hole in the roof from a tree blowing in, or some other obvious problem that was readily available, the best you can hope for is a contribution of hurricane damage with a wearing out roof. The insurance company WON’T pay for the worn out part of the roof, and the deductible is usually high enough to cover the few missing shingles that the hurricane actually blew off.

Additionally, once you start getting more than two weeks after the hurricane, the adjusters say, well, what TOOK you so long to report it? And they say, well, this roofer came up to my door and said, I notice you have hurricane damage!! LOL You could be looking at an insurance fraud case, if you pursue it THAT way.

Anyway. There’s no time limit, but you need a darned good reason why the claim wasn’t reported in a timely manner - and if you have more than one or two rains after the damage, they’ll divide the damage up by each storm . . . which makes it even smaller!!

Also, in hurricane prone areas, are you aware that the hurricane damage deductible is actually a PERCENTAGE amount, not a dollar amount? So, for example, if you have a $150,000 house in Houston, the hurricane/wind deductible is somewhere betwen 2% and 5%, which means the deductible on the roof damage is AT LEAST $3,000.

So yes, I think you’d be setting yourself up for some legal problems, and setting up the homeowner for a bunch of uninsured costs.

Hi, the insurance company gave me contact information of a contractor they work with in order to fix roof damage I have.
What are the next steps? The contractor will send me the estimate or will the contractor send it to the insurance company? or to both of us? will I have to pay the deductible to the contractor dircetly or to the insurance company and they will pay him? Should/Can I try to negotiate the deductible with the contractor? - is it common? THANKS.

Every insurance company is different, however, the typical process is that the insurance company will write their own estimate and the contractor will as well and then they will try to come to an agreement and keep you in the loop during this process.

You can attempt to negotiate the deductible with the contractor, but keep in mind that this is called insurance fraud. Your legally responsible for the deductible; your insurance policy is a legal document.

Keep in mind that the insurance company recommended the contractor to you, but that typically does not mean that the insurance company will guarantee their work. Insurance policies do NOT nor do they EVER provide coverage for faulty or poor workmanship.

You will pay the deductible directly to the contractor. The insurance company will cover the remaining costs (not including upgrades or things specifically not covered under the policy).

When looking at houses for sale I know the most important things to check are foundation and roof. If any of the rooms in a house have patches in the ceiling (with no visible water stains) is this a sign of roof damage, or something else?

I do handy man stuff for a small clientele. One of my jobs last year was patch a ceiling where the client had over flowed the bathtub on the second floor. The damage was minimal, but still today you can see the problem because the repair doesn’t match the original. On water damage, I say what difference does it make if they’ve had a new roof put on. There are so many things that can cause water damage. If they do a good job with the patch, you might never know it. They might even get it by the inspector, so what difference does it make if stuff has been replaced. Structurally it doesn’t hurt anything, what’s annoying is that the people have botched patching process, which is annoying. You can fix minor stuff like that.

Interview with Mark Reuter, Owner of Sundance Exteriors, Hastings, MN Proven Roofing, Siding and water intrusion experts. James Hardy, Storm damage experts-Work with your insurance company to get the best situation for the home or business owner.
Call Mark for a free consultation at 612-419-1085 or go to Mark@SundanceExteriors.com

Duration : 0:5:57

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Technorati Tags: damage, Exteriors, James Hardy, Mark Reuter, Minneapolis, Minnesota, ROOFING, siding, storm, Sundance, Sundance Exteriors

Laste week a adjuster came out and chechke out my home, I have roof damage, leaky ceilings, fence down & floors that need to be replaced. I just want to know how long this holw process usally takes.

I had my check in a few days, after the inspection.