First, THANK YOU for your website and these informative videos! We had a roving roofer who came by with another contractor we are using. You know the drill. He wanted us to sign a contract as a well as another document to allow him to speak on our behalf with our insurance company. There were many red flags. SO GLAD we did not sign with him. So, I have a couple of questions that maybe you can answer here, or perhaps include in a future video. 1) With regard to insurance claims, the claim needs to be tied to an event (such as a hail storm), correct? My limited understanding tells me that the insurance company would not replace a tired, old roof, but they would repair/replace an event-inspired damaged roof. I hesitate to involve our insurance company until we have another hail event, since this guy was not a storm chaser in our case, and I'm not sure that our last hail event was within the past year. This roving roofer indicated that he could reach back 5 or 10 years with regard to hail claims. That did not sound right to me. I challenged him on this because we had to have a new roof put on in Texas, and our insurance company gave us a 1-year window to claim it. This roving roofer told me this was not the case in Colorado. Another red flag for me. 2) If our insurance company sent us one of their "recommended roofers," and there was a problem later, would we be able to go to our insurance company to have the problem rectified, or would we have to go to the roofer directly? Is it better for us to use one of their recommended roofers (because they are in an established relationship with the insurance company), or is it better to hire someone independently? 3) I would love some information on concrete roofing, like the videos you do for other types of roofing; we currently have a 30-year-old concrete roof that the roving roofer claims has over 150 points of damage and needs a replacement (I have read that concrete can last up to 50 years). What happens if the insurance company only wants to repair our roof, but our concrete shingles are no longer made? I know our shingles have been discontinued, and I don't want a patchwork job on the roof! 4) This roving roofer wanted us to sign a contract that said: - Approx Total: RCV - Deposit: ACV - Balance: Invoiced I was not sure what any of that meant, but he did not seem interested in giving us an estimate with a number on it. He seemed to feel it was unimportant that we know what it would cost to replace the roof, and he was just going to handle it with the insurance company. Shouldn't we have a complete estimate including price. The final thing that made us sure we didn't want to use this guy is he was willing to cover our deductible, but that wouldn't be in writing! NOPE! Anyway, thank you for reading my long post; I sure wish ya'll worked in Colorado!
First, THANK YOU for your website and these informative videos! We had a roving roofer who came by with another contractor we are using. You know the drill. He wanted us to sign a contract as a well as another document to allow him to speak on our behalf with our insurance company. There were many red flags. SO GLAD we did not sign with him. So, I have a couple of questions that maybe you can answer here, or perhaps include in a future video.
1) With regard to insurance claims, the claim needs to be tied to an event (such as a hail storm), correct? My limited understanding tells me that the insurance company would not replace a tired, old roof, but they would repair/replace an event-inspired damaged roof. I hesitate to involve our insurance company until we have another hail event, since this guy was not a storm chaser in our case, and I'm not sure that our last hail event was within the past year. This roving roofer indicated that he could reach back 5 or 10 years with regard to hail claims. That did not sound right to me. I challenged him on this because we had to have a new roof put on in Texas, and our insurance company gave us a 1-year window to claim it. This roving roofer told me this was not the case in Colorado. Another red flag for me.
2) If our insurance company sent us one of their "recommended roofers," and there was a problem later, would we be able to go to our insurance company to have the problem rectified, or would we have to go to the roofer directly? Is it better for us to use one of their recommended roofers (because they are in an established relationship with the insurance company), or is it better to hire someone independently?
3) I would love some information on concrete roofing, like the videos you do for other types of roofing; we currently have a 30-year-old concrete roof that the roving roofer claims has over 150 points of damage and needs a replacement (I have read that concrete can last up to 50 years). What happens if the insurance company only wants to repair our roof, but our concrete shingles are no longer made? I know our shingles have been discontinued, and I don't want a patchwork job on the roof!
4) This roving roofer wanted us to sign a contract that said:
- Approx Total: RCV
- Deposit: ACV
- Balance: Invoiced
I was not sure what any of that meant, but he did not seem interested in giving us an estimate with a number on it. He seemed to feel it was unimportant that we know what it would cost to replace the roof, and he was just going to handle it with the insurance company. Shouldn't we have a complete estimate including price.
The final thing that made us sure we didn't want to use this guy is he was willing to cover our deductible, but that wouldn't be in writing! NOPE!
Anyway, thank you for reading my long post; I sure wish ya'll worked in Colorado!