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momz
07-23-2011, 09:12 AM
I think we may have roof damage from a hail storm in May. My neighbor is having roof repairs being done on her house and the repairman told me he can see damaged shingles on our roof as well.

What should I do? Who do I call first? The insurance company or the roofing company? We have state farm insurance as well. According to my neighbor, this is the worst company to have to deal with when it comes to storm damage. Who knew?


Any advice?:confused3

Cheshire Figment
07-23-2011, 09:34 AM
Call the insurance company first. They should send out an adjuster to look at the damage and make a determination. If you disagree with the findings, you should then have a method to appeal.

LexiC123
07-23-2011, 09:40 AM
We had damage to our roof from a noreaster that blew through Long Island last March. Called the insurance company (also State Farm) and they sent an adjuster out within a couple of days. He evaluated the damage, calculated what State Farm would cover and how much the repairs/replacement would cost...gave us a check on the spot. At the time, we had no idea what it would cost to make the necessary repairs.

Life got crazy for us for a while, so we didn't get around to getting roofing estimates until earlier this year. Turns out that the shingles on our roof (which were pretty old) couldn't be replaced because they were no longer being manufactured, so we had the entire roof replaced. What the insurance paid us only covered one-third of what the new roof cost. We appealed to have additional monies released, but State Farm wouldn't budge.

PS - we were just notified the other day that State Farm is dropping our coverage. The roof damage was our one and only claim in 16 years.

Best of luck with your claim.

Shelly F - Ohio
07-23-2011, 10:58 AM
We had a roofer tell us we had hail damage and two other roofers said no. So be careful and get multiple inspections.

momz
07-23-2011, 11:02 AM
LexiC, it's stories like yours that worry me.

I know nothing about roof construction, and feel like I could easily be talked into taking the insurance adjuster's word. Afterall, they have a vested interest in keeping the costs as low as possible...which is ok with me, provided all the necessary work is done.

I'm thinking of calling a roofing company first to see if they can help me navigate the world of insurance settlements.

dawson5
07-23-2011, 11:12 AM
We were hit with hail two years ago. Both car and home. We have State Farm. Our area was hit bad, they set up a mobile station for adjusters at the Home Depot to assess cars. Our whole neighborhood was hit and all have new roofs because of the damage. What we did learn, was because of the large scale hail damage in our area, they had to bring in independent adjusters to help assess the damage. The company man was trying to save money and denied a lot of claims. The independent guy, who we had, was pointing out damages that we didn't see (north side of the house, siding. Windows.)

Most roofing companies will be there when the adjuster comes. If they cannot be, they will usually circle the damage that they see, with chalk.

State Farm paid for our whole roof, not a portion. Our biggest issue was with our mortgage company, Citimortgage. They did not want to sign off on the check until the work was done. Roofer wanted us to pay for shingles upfront and would collect the remainder when the job was completed. We don't use credit cards. I had to drive almost to Chicago to get them to sign off on one of the checks to pay for the shingles. Then was able to take the receipt to the local office and they signed off on the second check and we paid the roofer. We refinanced, no longer have Citimortgage, this was the last straw and rates dropped enough to justify the refinance.

si-am
07-23-2011, 01:05 PM
I think this is pretty common. We live in an area that frequently gets hail. We had a roofer come out to get a quote about replacing the roof and he said he saw a lot of hail damage. We called our insurance company, they looked at it, and gave us a new roof (minus deductible of course).

I was nervous about making a claim since you always hear not to do it unless it's a catastrophic loss, but we did with no consequences.

gacompguy
07-23-2011, 01:23 PM
I think we may have roof damage from a hail storm in May. My neighbor is having roof repairs being done on her house and the repairman told me he can see damaged shingles on our roof as well.


Pretty impressive that he could see damage from the ground or on your neighbor's roof. We had hail damage two years ago and every company that we got quotes from told was very clear that the only way to truly tell if there was damage was to actually climb up on the roof and look.

LexiC, it's stories like yours that worry me.

I know nothing about roof construction, and feel like I could easily be talked into taking the insurance adjuster's word. Afterall, they have a vested interest in keeping the costs as low as possible...which is ok with me, provided all the necessary work is done.

I'm thinking of calling a roofing company first to see if they can help me navigate the world of insurance settlements.

Talk to your agent first. They will have the adjuster sent out to take a look at your roof. If the adjuster doesn't get up on the roof, ask for someone else to come take a look. They may have a vested interest in keeping costs down, but they also have a vested interest in keeping you as a customer. If they make replacing your roof a huge production, ditch them once your repairs are done. When you are ready to call roofers, find someone that is established, licensed & bonded (depending on what your state requires), A+ rated from the BBB, that will give a written itemized quote that includes all labor and parts costs that won't change, and that will do all of the work to your satisfaction before asking for money.

momz
07-23-2011, 03:16 PM
We live in an urban community, our houses are very close together. If it weren't for the slope, you would pratically be able to jump from one to the next. Would this make it possible for him to see damage on our roof while repairing the neighbors? I don't know these things...it would help me to know. Could this be a person just trying to get more business?

Also, our roof has a much steeper pitch than my neighbors, plus the slope is facing in a different direction. I would suppose that this may affect the degree of damage that is possible with falling hail? So, maybe we had a "glancing blow" in comparison to theirs?

Anyway, if there is real damage, I want it repaired. I don't want the insurance company trying to get out of it. But I also don't want to participate in a scam by a roofing company. Who to trust?:confused3

Judique
07-23-2011, 04:57 PM
We live in an urban community, our houses are very close together. If it weren't for the slope, you would pratically be able to jump from one to the next. Would this make it possible for him to see damage on our roof while repairing the neighbors? I don't know these things...it would help me to know. Could this be a person just trying to get more business?

Also, our roof has a much steeper pitch than my neighbors, plus the slope is facing in a different direction. I would suppose that this may affect the degree of damage that is possible with falling hail? So, maybe we had a "glancing blow" in comparison to theirs?

Anyway, if there is real damage, I want it repaired. I don't want the insurance company trying to get out of it. But I also don't want to participate in a scam by a roofing company. Who to trust?:confused3

You would probably not be able to see whats going on with a flat roof on a two story house, but a single story with a pitched roof is very noticable - I have some roof damage and it is clearly seen from the ground.

daughtersrus
07-23-2011, 08:33 PM
We have State Farm as well. A few years ago we had hail damage to our roof and siding. We had a roofer here when the insurance inspector came out. They ended up covering the cost for a new roof including tearing off the old one as well as replacing the siding on the entire house. At first they only wanted to give us the cost of 3 sides of the siding because they didn't see any damage on the front(the 1st level is brick) but after talking to the agent, he said that they have to do all 4 sides because they wouldn't be able to match the old and there is something called "line of sight" rule.

The inspector also noticed that part of our air conditioning unit had some dings in it so they gave us some money to have it "combed" out. They also paid for new flashing around the sky lights and chimney as well as new roof vents.

Our policy did not increase because of this. They said it was an act of God and not specific to our house like a fire would be. We're still with them several years later.

They paid us some of the money upfront. We had to send the check to a Wells Fargo office in CO because they don't have any in the Chicago area to sign the check. Once the work was completed, they sent the remaining amount. Again, we had to send it to CO to be endorsed.

We do have "replacement cost" on our policy. I think that altogether, it was somewhere around $20,000.

NolansAngel
07-23-2011, 08:33 PM
A roofer is out to make money..... while you very well could have hail damage the best thing would be to call your insurance and let them send out an adjuster. Then I would get more than 1 estimate from reputable roofing companies. My parents are emergency insurance adjusters and roofers have been know to pad the bill just to line their pockets even more. Just a thought though I am not saying that all are bad just a few. Also if you are not satisfied with you adjuster be sure to call your insurance company again and request a reinspect with a different adjuster or a TA. *basically a field supervisor*


HTH

amberdburke
07-23-2011, 08:41 PM
We just did this with State Farm last week, and it went wonderfully! We had already gotten two estimates from local roofers, and State Farm agreed to give us $, but didn't give us enough for either estimate. They gave us $1750 to start and will give us the rest once we pay our deductible. We found another (very reputable) company that agreed to do it for what State Farm was giving us. Good Luck :thumbsup2

Disneyliscious
07-23-2011, 11:08 PM
We had a portion of our roof damaged in March 2010. I called our insurance company and they sent someone out. They deemed the entire roof needed to be repaired - over $7000 to replace.

The problem (as someone else mentioned) was that the mortgage company would not release the funds until the work had been done. I had to pay out of pocket and then take weeks, even months to get reimbursed. The work had to be done in spurts because of this. It was finally completed in March 2011 and I have yet to get my last $300 I spent out of pocket for repairs.

Insurance companies are really making it hard on individuals now. Its quite sickening, honestly. Our insurance company was Assurance. We no longer have them.

*Seanaci*
07-24-2011, 03:07 PM
Get at LEAST 3 quotes from reputable roofing companies (check with your local Better Business Bureau for reputable companies; or if friends or family in the area have had their roofs replaced, ask who they used). I know that we have heda several different roofing companies in our neighborhood the last few months due to the torrential storms we've been having. One of them said they work with insurance companies to insure that we don't pay more than is necessary (especially if it is a repair the insurance should cover). We were not in a place to even have them go up on our roof and give an estimate at the time, so I have no idea if what they were saying is true. Anywho!

Call your insurance.

If it were me, I would def have a roofing company out when the adjustor comes (in case the adjustor won't get on the roof; sorry, I believe if someone is going to pay for my roof to be replaced/repaired, they need to actually get up on my roof and see/look for the damage up close, rather than standing on the ground and saying "Yeah...looks like you need a little repair there...and maybe one there..." Doesn't make much sense to me to file a claim based on "welll, from down here it looks like it needs a little bit of repairs").

hanutedmansionmomma
07-24-2011, 03:39 PM
We just had our roof done. We had the adjuster and roofer show up at the same time. Ours was a total replace, based on the # of "strikes" on each part.

We didn't pay anything up front! We got a check for part of it from insurance and gave it to the roofer. We will get another check when the roofer submits all paperwork and pass it along to them too.

Aspen has been great - they have a salesdude that handles all the paperwork and scheduling and contacting the insurance co. I have California Casulalty for insurance.

Good luck - hope all goes well for you!

bamagirl@hrt
07-24-2011, 03:47 PM
We are in the middle of this process too from hail damage in May. Between storms in April and another round in May, several cities around us have had hail damage to cars and roofs. Roofing companies are booked way out, even to give estimates. Knowing that, I am very leary of roofing companies who are knocking on our door, wanting to give us an estimate. Researching them a little, I find that they are from out of state and are coming in temporarily to do work. I'm avoiding those, mainly because we have a very complex roofline, with many hips and valleys. We have been on the waiting list for a month for local two different local companies.

I didn't know the process either, as I've never had to file a claim. I filed the claim, and an adjuster came out about 2 weeks later. He spent 1-1/2 hours on my roof. He is recommending a new roof and new gutters/downspouts. We haven't received notice yet of what they will pay. We have Farm Bureau insurance.

Will be glad to get through the whole mess!

disneymarie
07-25-2011, 01:31 AM
We had damage to our roof from a noreaster that blew through Long Island last March. Called the insurance company (also State Farm) and they sent an adjuster out within a couple of days. He evaluated the damage, calculated what State Farm would cover and how much the repairs/replacement would cost...gave us a check on the spot. At the time, we had no idea what it would cost to make the necessary repairs.

Life got crazy for us for a while, so we didn't get around to getting roofing estimates until earlier this year. Turns out that the shingles on our roof (which were pretty old) couldn't be replaced because they were no longer being manufactured, so we had the entire roof replaced. What the insurance paid us only covered one-third of what the new roof cost. We appealed to have additional monies released, but State Farm wouldn't budge.

PS - we were just notified the other day that State Farm is dropping our coverage. The roof damage was our one and only claim in 16 years.

Best of luck with your claim.

As a field adjuster, not usuallly property claim, but more over the last year...If I am sent out with the owners two estimates it is a lot fairer to review the estimates and confirm the work and prices. I am not a contractor and they may see something; as a particular flashing, or tile used that can be addressed. I can count the footage, estimate the amount involved, but the contractor on the roof, can see the totality and then I justify the situation. The work can be documented to the carrier for the check...this will avoid the under or unknown problems.
It is nearly imposible as time goes on to note storm damage, and natural wear, or other.
Just my thought from my end. Good luck

PS A sister filed a claim just over a week ago. THe adjuster came out and contractor covered her roof with tarp. By this week it looks like they will cover where a tree grew into the roof, but also are dropping her coverage. I believe she still has Allstate this is her second claim. She had a fire claim and at that time only did half the roof.

mnrose
07-25-2011, 07:57 AM
Something I know something about! Yeah.

We had hail damage and a new roof from a storm in May 08, and now, we are in the process again (from a storm in early July). In our case, we called the insurance company right away, and got that process going (we had damage to our siding which was plainly visible, as well as holes in our deck). We waited about 10 days for the adjuster to come.

In the meantime, we also called our contractor (the people we use in our rental properties, and for the roof in 2008), so it was someone we *trusted*...this is very important. Unfortunately, storm damage is a magnet for less than honest contractors, and a lot of fly by nights. If you do not have a contractor you trust, ask your co-workers, friends and relatives. Then CHECK THEM OUT with the BBB before you contact them.

Our contractor went up on the roof with my husband, and they found damage. You cannot see if from the ground. You MUST be on your roof. It's a subtle thing.

The adjuster came and did his assessment. He found damage too, and said a new roof is necessary. Within 5 days, we had a check in hand, less the deductible, for the entire amount of estimated repairs. If our contractors estimate (we are still waiting on that) is in the ball park, we are set to go. Last time, it was very close, and we ended up being only a few hundred dollars out of pocket. Not bad.

If there is a huge discrepancy, we will go back to the insurance company and argue that they estimated too low and get an adjustment of our settlement amount. I am not expecting that. I have found our insurance company to be fair in their calculations (we have American Family).

Beware of contractors who say they will "negotiate" for you with the insurance company, and "do the job" for whatever they get from insurance. That is NOT how it should work. YOU hire the contractor. YOU pay the contractor. Our contractor is not even interested in what we are getting from insurance (unless there is a big difference). It costs what it costs, and he does not care what insurance offers us. If it works out in our favor, fine. We keep it.

ccgirl
07-25-2011, 10:00 AM
I think we may have roof damage from a hail storm in May. My neighbor is having roof repairs being done on her house and the repairman told me he can see damaged shingles on our roof as well.

What should I do? Who do I call first? The insurance company or the roofing company? We have state farm insurance as well. According to my neighbor, this is the worst company to have to deal with when it comes to storm damage. Who knew?


Any advice?:confused3

Call your insurance company to see if it is even covered. Some people aren't covered for damage from wind/hail. I, myself, am covered but the deductible is like $5,000. It is very difficult to even get insurance coverage where I am. Most people I know that have gotten coverage are not reviewed if they make a claim, then they have to go on the expensive state plan. After the deductible, it wouldn't really cost that much more as I have an uncle that is a roofer. So, in my case, I probably wouldn't make the claim. Policies vary so widely you should call your insurance company to see if it's even covered.

Good luck.

monkey30
07-25-2011, 10:29 AM
Well my sister had issues last summer with hail and bad storms, all her neighbors were getting roofs replaced and she called 2 companies to get etimates, then the insurance, they went up check said her roof was fine...

This summer she paid to have it done, the roofer came down and showed her the shingles they were pulling off it was so badly damaged, and there was no reason the insurance should not have covered her. But again they didnt want to pay out, she didnt fight it, and in the end they raised her rates!

medicjch
07-25-2011, 11:55 AM
As others have said, you are best to call your insurance company to file a claim and have an adjuster inspect as they are the ones that are literally holding the checkbook. If you disagree with the adjusters findings then you can have a reinspection done........I'd have a roofer/contractor present for that one. If you still disagree, then there should be something in your policy that outlines the steps you need to take. Most of the time, filing a hail claim is not a big deal if you really do have damage. The problem is that not all hail will damage a roof. A lot of it depends on the type of shingle you have, how old it is, and the size of the hail. Different insurance companies have different policies and procedures. I note that several folks have mentioned the problem with the mortgage company signing off......well the problem with that is that the mortage company does "own" your home and they do have a say in the matter. This is just another case where many people were doing the wrong thing by taking the insurance check and not completing the repairs.......then they went into default and the mortgage company foreclosed. When the mortgage company realizes the homeowner was paid for damage, but their name (the mortgage holder) was not included on the check to protect their interest, they go back to the insurance company and the insurance company ususally has to pay the claim again. Insurance companies really don't like to pay claims twice so they all have really started protecting the mortgage companies better. Hope the info helps and good luck with the process.

jcmechem
07-25-2011, 10:48 PM
Let me just start off by saying that I work for a very reputable exteriors company. We are not one of those "fly by night" companies and absolutely despise the "overnight hail damage experts". We have an A+ rating with the BBB in multiple states and are one of the fastest growing companies in the US (per Fortune 5000 standings).

What you have to understand is that with the slump of the economy a vast majority of contractors, home builders, handy men have self appointed themselves as "hail damage experts". Most exteriors companies go out of business after one year. My company has been in business since 1998. Make sure you research your contractor.


Get at LEAST 3 quotes from reputable roofing companies (check with your local Better Business Bureau for reputable companies; or if friends or family in the area have had their roofs replaced, ask who they used). I know that we have heda several different roofing companies in our neighborhood the last few months due to the torrential storms we've been having. One of them said they work with insurance companies to insure that we don't pay more than is necessary (especially if it is a repair the insurance should cover). We were not in a place to even have them go up on our roof and give an estimate at the time, so I have no idea if what they were saying is true. Anywho!

Call your insurance.

If it were me, I would def have a roofing company out when the adjustor comes (in case the adjustor won't get on the roof; sorry, I believe if someone is going to pay for my roof to be replaced/repaired, they need to actually get up on my roof and see/look for the damage up close, rather than standing on the ground and saying "Yeah...looks like you need a little repair there...and maybe one there..." Doesn't make much sense to me to file a claim based on "welll, from down here it looks like it needs a little bit of repairs").

Be careful when you deal with quotes from contractors. There is really no need for quotes if your contractor does the work for what the insurance company is paying for. If your insurance company asks for mutliple quotes ask them why. By law you are allowed to use whoever you want to complete your repairs. The problem with quotes is that they only benefit the insurance company. What happens is that the lowest bidder is usually some guy out the back of his truck who will cut corners so that he can low ball everyone else. You dont want that!! You, as the homeowner, DO NOT get to pocket money. If that low ball contractors bid is under what the insurance originally allowed that difference in money WILL have to be returned to the insurance company by law. Choose a reputable contractor who agrees to complete repairs per insurance allowance.

A roofer is out to make money..... while you very well could have hail damage the best thing would be to call your insurance and let them send out an adjuster. Then I would get more than 1 estimate from reputable roofing companies. My parents are emergency insurance adjusters and roofers have been know to pad the bill just to line their pockets even more. Just a thought though I am not saying that all are bad just a few. Also if you are not satisfied with you adjuster be sure to call your insurance company again and request a reinspect with a different adjuster or a TA. *basically a field supervisor*


HTH

:rotfl2:Of course roofers are out to make money. So are insurance companies!!!! Contractors CANNOT pad the bill without insurance company review and approval. On that note PLEASE have a reputable contractor meet with the adjuster when they come to inspect your home. 99% of the time adjusters miss items that need to be replaced or are off on roof measurements (i.e. vents, flashing, etc). Also make sure you check your policies. There are a few large and small insurance companies that are making "code upgrades" as optional riders on homeowner policies. Code upgrades are basically items, not currently on your roof, that are needed to bring the roof up to local code. These items usually are ice & water shield, venting, and decking. A good way for the insurance companies to screw over the homeowner and "save" money.

Simply put a reputable contractor is hired to represent the homeowner. We make sure that everything gets accounted for and properly repaired.

angwill
07-26-2011, 01:15 AM
We were hit with hail two years ago. Both car and home. We have State Farm. Our area was hit bad, they set up a mobile station for adjusters at the Home Depot to assess cars. Our whole neighborhood was hit and all have new roofs because of the damage. What we did learn, was because of the large scale hail damage in our area, they had to bring in independent adjusters to help assess the damage. The company man was trying to save money and denied a lot of claims. The independent guy, who we had, was pointing out damages that we didn't see (north side of the house, siding. Windows.)

Most roofing companies will be there when the adjuster comes. If they cannot be, they will usually circle the damage that they see, with chalk.

State Farm paid for our whole roof, not a portion. Our biggest issue was with our mortgage company, Citimortgage. They did not want to sign off on the check until the work was done. Roofer wanted us to pay for shingles upfront and would collect the remainder when the job was completed. We don't use credit cards. I had to drive almost to Chicago to get them to sign off on one of the checks to pay for the shingles. Then was able to take the receipt to the local office and they signed off on the second check and we paid the roofer. We refinanced, no longer have Citimortgage, this was the last straw and rates dropped enough to justify the refinance.

We had a very similar experience with both State Farm and Citimortgage. It depends on what coverage you have on your home. There is coverage that pays for whatt is damaged and then there is replacement coverage. State Farm went over the difference with us when we got our home owners insurance policy. When we had storm damage they replaced our entire roof despite the damage being only on one side. Ours was a State Farm adjuster who came out first before the roofer and he even pointed out other damage we didn't see and had that replaced as well. We were not dropped after the claim.

We also have Citimortgage who have been nothing but a PITA since our mortgage got sold to them. They did the same where they wanted us to sign the check and send it to them so they could collect interest. Then we were to send them a paid bill and let their inspector come look over the work and aprove it before they would release the money. We kept the check and let State Farm collect the interest instead until the Citimortgage inspection and then drove 75 miles to get it cashed at one of their branches as well. Thankfully we had the money to cover the cost till we got the check cashed.

ktlm
07-26-2011, 10:30 AM
I work with insurance claims and insurance companies in my job. Not only that, but we have had our roof totaled by hail and had to deal with that, and in a different storm my mother had her roof totaled by hail and we had to deal with that. So, I have experience from both sides of this type of thing. Here is what I would recommend.

First, it is not true that you can not tell if a roof is hail damaged without going up on it. It completely depends on the extent of the damage. Plus, it does not sound like the other roofer was looking at it from the ground. If he was up on the roof next to your house and the houses are close together, then it is plausible that he could have seen damage. In any event, you certainly want someone to climb up and look at the roof before determining the value of the damage or whether it is a total loss.

I would first contact a roofing company and have them take a look at your roof. Use a local established company, not one of the out of state companies that flock in when there is a hail storm. They are not always reputable. You may even be able to select some companies to research and try by looking at the roofer signs that have undoubtedly popped up in yards all over your neighborhood if there is a lot of damage. A tell tale sign for starters is whether they have a local phone number. If they don't, stay away from them. If they were to mess up your roof, you would want to be able to find them locally and have them make it right. Even if the roofing company can't get to your roof for some time due to all the other damaged roofs, usually they can at least have someone come out and give you an opinion on whether it is damaged and an estimate. They want your business, and they know if they don't get out there and give you an estimate, another roofer will. You might even want to get estimates from 2 different companies. That will likely make you feel more comfortable that there is honesty about the roof damage assuming they both come to the same conclusion (or it will tell you that at least one is just trying to get your money). The reason I tell you to call a roofing contractor first is because at least around here, right or wrong, there are insurance companies that will cancel you after you have had 3 claims, regardless of the extent of the claim. As such, you don't want to make a claim unless you know there is damage. Even if they wind up not paying or finding no damage, depending on the company it could be a mark on your claims history. Once one insurer has cancelled you, it makes it alot harder to get insurance from a different company, especially at a comparable premium. Plus, if you have a $2,000 deductible, and it turns out you have minor roof damage in an isolated area that is only $1,000, you wouldn't want to make a claim.

If the roofing company tells you there is damage that exceeds your deductible, then call the insurance company and make a claim. Most roofing companies will have their roofer present to meet the adjuster and show them and go over the damage. This helps ensure that your claim will be properly evaluated. You have to remember that most adjusters aren't and have neer been roofers, and some are more experienced than others. You could draw an adjuster on their first roof claim who knows little to nothing, or you could draw an adjuster who has been doing roofs for years and is highly experienced and accurate. Having your own roofer and an estimate as a starting point, is a good way to support your claim. Further, if you did not get a good adjuster, it helps to keep them honest and paying more attention to your claim if they know that it is supported. You also need to realize that when there are big areas of damage (i.e. a storm hits several neighborhoods), insurance companies sometimes resort to bringing in "catastrophe" adjusters from out of state who may not even be employed by the insurance company. Some of these adjusters are fantastic, some not so much. Plus, when there are hail storms, these adjusters are all very busy, and there are times when some can hurry through inspections and miss things, or undervalue damage. Having a roofer there to point out all the damage, will help facilitate the claim. It is much easier to have things pointed out and included the first time and to have the roofer and insurer collaborate on the evaluation, than to get the insurance company's estimate, determine it is inadequate, and try to get them to change their mind and increase what they are willing to pay. Plus, you are going to have to have a roofer do the work (insurance companies pay, not fix), and if the roofer is not involved from the outset, you always run the risk of the insurance company estimate being completely different then the roofer's estimate, and then you have the problem of getting the insurance to change their mind and give you the full value of the claim.

Good luck. I hope your damage is minor.

ktlm
07-26-2011, 10:41 AM
One more thing. If you have one roofer, and it turns out the roofer and the insurance company are far apart on their evaluation of the value of the damage, then you definitely want to contact a second roofer (you would not want to tell them about the values the insurer or other roofer gave as you want their completely independent opinion- I would just call and ask them to come out to see if you have roof damage and estimate it without even mentioning anything else). If that second roofer is closer to the insurer, then you know your insurance company is close to right in what they are willing to pay. If that second roofer is in line with the estimate of the first roofer, then it becomes a lot harder for the insurer to refuse to pay the full amount as 2 independent companies support your claim.

Taja
07-26-2011, 09:29 PM
We live in an urban community, our houses are very close together. If it weren't for the slope, you would pratically be able to jump from one to the next. Would this make it possible for him to see damage on our roof while repairing the neighbors? I don't know these things...it would help me to know. Could this be a person just trying to get more business?

Also, our roof has a much steeper pitch than my neighbors, plus the slope is facing in a different direction. I would suppose that this may affect the degree of damage that is possible with falling hail? So, maybe we had a "glancing blow" in comparison to theirs?

Anyway, if there is real damage, I want it repaired. I don't want the insurance company trying to get out of it. But I also don't want to participate in a scam by a roofing company. Who to trust?:confused3

OP, ktlm had excellent advice for you.

You can check out the roofing contractors with your state Registrar of Contractors (may be called something else, but you get the idea). You definitely want a previously established roofing company. Do you have a talk radio station in your area? We have one that has a Saturday morning homeowners program that maintains a list of established contractors that meet their standards (the host is a licensed general contractor). Most of the show hosts endorse products/contractors, but this one has had his program on the air for 30 years and really vets each contractor.

We had an abnormal hail storm in October, 2010, which caused a lot of damage to homes and vehicles. It's amazing how many "hail specialists" emerged from the woodwork! And out of state companies--some obtaining licenses, some not--that will leave as soon as the work dries up--leaving homeowners with no recourse if there are any issues in the future.