Your information is so helpful! I was screwed on my rood in 2012...didn't know much except i wanted 30lb felt..not 15lb. And i wanted a quality shingle. Man , UA-cam and videos like yours sir has sure educated me on the whole roofing business! Many thanks!!
THANK YOU so much fir sharing your knowledge and advice with us - I REALLY needed the guidance you gave because I’m dealing with all of this right now and having been recently widowed I’m facing these decisions on my own, and terrified of making mistakes. You helped me a lot so I can be braver and hopefully make the right decisions. 😇
THANK YOU, THANK YOU, THANK YOU SO MUCH for posting this informative video. I appreciate your video and am SO GLAD I watched it. We live in Iowa and on August 10th our area was DEVASTATED by a derecho storm. Obviously there was MASSIVE DAMAGE across a good part of the state but our city/area suffered a particularly extensive amount of damage. I even commented to my husband that there hardly any roofs, in the area, that DON'T HAVE TARPS. With so much damage and so many homeowners needing new roofs, siding, tree removal, or what have you. The area has been inundated by contractors coming from other towns and states. We have had a particularly difficult time getting anyone to give us a "proposal" most of them want to see our insurance "papers" or ask if we've received the insurance payment yet. I keep asking them what difference it makes I am just asking for them to inspect the damage, tell us what they believe needs to be done, and submit an "estimate". Well, needless to say you haven't heard back from most of them. It's been so frustrating finding a contractor that has integrity and is someone I feel comfortable hiring. With winter around the corner I am worried we may not get our damage fixed before the snow flies. Very frustsrating.!
Pretty much every contractor who is working a catastrophic storm area will want, and need to see your insurance paperwork - BUT - they should first prepare their own estimate. Then, after you choose a contractor, you and he can sit down together and compare his estimate with the one from the insurance company. Insurance estimates are almost always too low. Having access to your insurance estimate gives the contractor the ability to know what he will have to ask the insurance company to revise on their document. So remember, if you have contractors asking for your insurance doc, let them all know that you'll give it to the contractor you select, after you select him, but you won't be showing it to him ahead of that. There's something else to remember, though. Smart contractors know that most homeowners don't know anything about roofing, therefore, these contractors know that if they're spending the time and money to create an estimate, just to Email it to you, then you don't have a good way to compare them and know which one is the best estimate. So, contractors may be hesitant about creating an estimate for you if you're asking each one to Email the estimates to you so you can compare them against each other. Do your contractors a favor and let each one meet with you and explain his estimate. If you are interviewing a contractor who only wants to Email it to you, cross that one off your list. Here are a couple more videos of ours that help explain what I'm talking about. "Getting 3 estimates" - ua-cam.com/video/0s-XRZIAlzY/v-deo.html "How to get apples-to-apples roofing estimates" - ua-cam.com/video/URWPjmTmnK4/v-deo.html Hope this is all helpful information.
Great info , to show new clients . I would ask for the first check when i first started roofing now that i have credit with supplier and what now i do the first check as soon as the material is on job site . Makes it a lot easier to get jobs
Thank you for the info. I'm going through this right now. My insurance check is way over the amount to repair my roof and the contractor wants me to sign over the check. I have not, thank goodness
All of your videos are absolutely great! I am going through this process as we speak. Had a contractor come out that was a GAF Master Elite contractor. He just about had me sold until he said one thing. He texted me to say that all the insurance paperwork looked good and he’d be over to sign all his paperwork and collect a check. I asked him how much deposit do you need, he said 100% even our Portion of our deposit and depreciation value, I’m like 😳😳😳. That made me run 🏃♂️. There was NO WAY I would do that because I knew I’d be chasing them to get my roof done. Then he texted back and said, we’ll, the least they could take was 50%. I ran until I found another that didn’t require a single penny until job was totally complete and final billing was done with insurance company. Thanks for your awesome videos. I’ve watched many of them.
Good for you for running from the guy who wanted 100% up front! That's crazy! 50% is a normal amount, but I wouldn't recommend paying that until there are materials on your property. Good job!
Hey dude how is supposed to get material with no at least 50% first payment. Are you crazy ??? We’re contractors for over 35 years and looks like you are trying to be the “Mr. knows everything “ respect our work dude.
I narrowly escaped a mechanics lien from a material supplier when I replaced my roof and the contractor had not paid them. I would add to your "material first before payment" rule, evidence that the material was paid for also.
I had to file a claim on my insurance company to get a new roof and some interior water damage... The contractors replaced the roof but never did the interior work because the insurance company was delaying on paying the depreciated value of completing the roof so the contractors had me obtained a lawyer to go after the insurance company for the rest of the money we finally came to a settlement $10,000 and the balance due to the contractors is $4,600 the contractor wants me to sign the check over to them and they will cut me a check I don't feel too good about that as you have stated in your video
I definitely wouldn't recommend doing that. Deposit the money in your bank and only give them the amount you owe them. The fact that they're asking you to sign over a $10,000 check when you only owe them $4600 is a HUGE red flag!
thank you for this info very helpful... we just got hit by hail storm recently and a lot of roofer come at our house wants to check and tells us to call a claim and they ll make sure that we get what we should to get the damage replace and make sure to let them know when the inspetion going to be so that they would be there earlier to mark or point out the damages...let me know if this is how you do it.
Best thing would be to ask your friends, neighbors, co-workers, or family if they've had a great experience with a roofing contractor and get their name and contact info. I don't recommend you use one of the people who show up uninvited at your door. I also don't necessarily recommend using the roofer your insurance agent recommends. Some times that is a good idea, but some times it's not. More information about that will be coming in a future video.
That video was very helpful for me because I hired a roofing company to do my roof, gutters and porch. Now they're done with the roof but didn't do the gutters or nothing to the porch. They say they
@@homesteadroofing so my total for my insurance claim that they gave me was 8,610. To replace the entire roof put up gutters and minor stuff for the porch. Now they ask for 8706.67 . Now that's the whole insurance check plus my $500 deductible. Now I gave them 4353.33. in October. Now mind you I had to get on these people to do my roof and they just did it on the 16th of December. Now he's telling me that I owe a remainder of $7084.67. just for the roof. He didn't ask me if I accept any overages and I'm pretty sure he didn't ask my insurance adjuster. I believe these people are up to something.
@@lizziejackson8318 Do you have a contract with the roofer and if so, what is the amount on your contract with the roofer? Also, do you know if the roofer filed for any supplements to the claim with your insurance company?
@@homesteadroofing yes I do have a contract with the roofers. And the contract says my total would be $8706.67 . But the project manager wrote on a side plus any supplements approved by insurance companies. But thing is I think that they didn't approve any supplements with insurance company first before doing the roof.
My lawyer settled with my insurance Co and had the check written to me, the mortgage holder and the roofing contractor who referred me to the lawyer. Confusing. I'm in Fl.
I have pretty strong opinions about that. I don't think a contingency agreement binds you to anything and I don't like contingency agreements. Also, they normally wouldn't hold up in court. HOWEVER.... It would be best if you consult a lawyer.
Did you sign the check before you gave it to the mortgage company? If so, that's a mistake. I tell homeowners to have the mortgage company sign it and give it to you. If you do it the other way around, you just handed them thousands of dollars which they will hang on to for as long as they can.
I have a roofer who wants me to pay him the whole insurance check and pay the deductible up front. He did not give me a formal contract for roof replacement with the scope of work, warranty, laibiltiy insurance and how much will it cost. He just told me he will just go with what the insurance company check issued. But when the adjuster inspect the house, there is an interior damage. So the check that the insurance gave us includes the interior. Now he wants all the check amount. It is a red flag to me. My insurance company told me not to give the whole check. I spoke with him that my insurance company will not allow it. He sound angry. Sounds like not reliable to me.
Can I still not use his service? I signed a contract for him to work with my insurance and it was stated there that if I canceled I will pay 20%. But the way how shady he is, I can't risk my home repair to him.
Than you. I already have an appointment with a lawyer on Wednesday. We just want this done the right way. He never give us a Roof replacement Agreement. All he wanted is the whole check plus the deductible upfront.
The roofing companyade me sign a contract stating that I have to give them the entire check that the insurance gonna send me. . I just read the contract and found out after I asked them give me an estimate of how much you are asking for. How can I get out of this contract. I don't trust this company. Please help
Your information is so helpful! I was screwed on my rood in 2012...didn't know much except i wanted 30lb felt..not 15lb. And i wanted a quality shingle. Man , UA-cam and videos like yours sir has sure educated me on the whole roofing business! Many thanks!!
Great information. My central Texas neighborhood is undergoing roof replacement en masse.
THANK YOU so much fir sharing your knowledge and advice with us - I REALLY needed the guidance you gave because I’m dealing with all of this right now and having been recently widowed I’m facing these decisions on my own, and terrified of making mistakes. You helped me a lot so I can be braver and hopefully make the right decisions. 😇
If you would like someone to look over your roofer's contract or other papers, let me know if that would help.
@@homesteadroofing Aren’t you terrific! Thank you SO much and I very well might take you up in that kind offer! Sincerely, Linda
Thank you for sharing some very helpful information that was easy to understand.
@@homesteadroofingBless you❤
I wish we had a contractor like you in OUR area!
THANK YOU, THANK YOU, THANK YOU SO MUCH for posting this informative video. I appreciate your video and am SO GLAD I watched it. We live in Iowa and on August 10th our area was DEVASTATED by a derecho storm. Obviously there was MASSIVE DAMAGE across a good part of the state but our city/area suffered a particularly extensive amount of damage. I even commented to my husband that there hardly any roofs, in the area, that DON'T HAVE TARPS. With so much damage and so many homeowners needing new roofs, siding, tree removal, or what have you. The area has been inundated by contractors coming from other towns and states. We have had a particularly difficult time getting anyone to give us a "proposal" most of them want to see our insurance "papers" or ask if we've received the insurance payment yet. I keep asking them what difference it makes I am just asking for them to inspect the damage, tell us what they believe needs to be done, and submit an "estimate". Well, needless to say you haven't heard back from most of them. It's been so frustrating finding a contractor that has integrity and is someone I feel comfortable hiring. With winter around the corner I am worried we may not get our damage fixed before the snow flies. Very frustsrating.!
Pretty much every contractor who is working a catastrophic storm area will want, and need to see your insurance paperwork - BUT - they should first prepare their own estimate. Then, after you choose a contractor, you and he can sit down together and compare his estimate with the one from the insurance company. Insurance estimates are almost always too low. Having access to your insurance estimate gives the contractor the ability to know what he will have to ask the insurance company to revise on their document. So remember, if you have contractors asking for your insurance doc, let them all know that you'll give it to the contractor you select, after you select him, but you won't be showing it to him ahead of that.
There's something else to remember, though. Smart contractors know that most homeowners don't know anything about roofing, therefore, these contractors know that if they're spending the time and money to create an estimate, just to Email it to you, then you don't have a good way to compare them and know which one is the best estimate. So, contractors may be hesitant about creating an estimate for you if you're asking each one to Email the estimates to you so you can compare them against each other. Do your contractors a favor and let each one meet with you and explain his estimate. If you are interviewing a contractor who only wants to Email it to you, cross that one off your list.
Here are a couple more videos of ours that help explain what I'm talking about.
"Getting 3 estimates" - ua-cam.com/video/0s-XRZIAlzY/v-deo.html
"How to get apples-to-apples roofing estimates" - ua-cam.com/video/URWPjmTmnK4/v-deo.html
Hope this is all helpful information.
Thank you for your honesty
Great info , to show new clients . I would ask for the first check when i first started roofing now that i have credit with supplier and what now i do the first check as soon as the material is on job site . Makes it a lot easier to get jobs
Thank you for the info. I'm going through this right now. My insurance check is way over the amount to repair my roof and the contractor wants me to sign over the check. I have not, thank goodness
Good thing you held on to that check.
Thank you for this clarification
All of your videos are absolutely great! I am going through this process as we speak. Had a contractor come out that was a GAF Master Elite contractor. He just about had me sold until he said one thing. He texted me to say that all the insurance paperwork looked good and he’d be over to sign all his paperwork and collect a check. I asked him how much deposit do you need, he said 100% even our Portion of our deposit and depreciation value, I’m like 😳😳😳. That made me run 🏃♂️. There was NO WAY I would do that because I knew I’d be chasing them to get my roof done. Then he texted back and said, we’ll, the least they could take was 50%. I ran until I found another that didn’t require a single penny until job was totally complete and final billing was done with insurance company. Thanks for your awesome videos. I’ve watched many of them.
Good for you for running from the guy who wanted 100% up front! That's crazy! 50% is a normal amount, but I wouldn't recommend paying that until there are materials on your property.
Good job!
Hey dude how is supposed to get material with no at least 50% first payment. Are you crazy ??? We’re contractors for over 35 years and looks like you are trying to be the “Mr. knows everything “ respect our work dude.
@@luchiazc4460Legitimate question...could the homeowner pay the supplier directly?
I narrowly escaped a mechanics lien from a material supplier when I replaced my roof and the contractor had not paid them. I would add to your "material first before payment" rule, evidence that the material was paid for also.
Couldn't the homeowner pay the supplier directly?
Just had this happen to me. State construction called and said they have someone coming tomorrow to pick up check 🤣🤣
The Roofing company want me to give them the check upfront before starting the work.
Ask them to deliver materials to the property first.
I had to file a claim on my insurance company to get a new roof and some interior water damage... The contractors replaced the roof but never did the interior work because the insurance company was delaying on paying the depreciated value of completing the roof so the contractors had me obtained a lawyer to go after the insurance company for the rest of the money we finally came to a settlement $10,000 and the balance due to the contractors is $4,600 the contractor wants me to sign the check over to them and they will cut me a check I don't feel too good about that as you have stated in your video
I definitely wouldn't recommend doing that. Deposit the money in your bank and only give them the amount you owe them. The fact that they're asking you to sign over a $10,000 check when you only owe them $4600 is a HUGE red flag!
@@homesteadroofing Thank you...
thank you for this info very helpful... we just got hit by hail storm recently and a lot of roofer come at our house wants to check and tells us to call a claim and they ll make sure that we get what we should to get the damage replace and make sure to let them know when the inspetion going to be so that they would be there earlier to mark or point out the damages...let me know if this is how you do it.
Best thing would be to ask your friends, neighbors, co-workers, or family if they've had a great experience with a roofing contractor and get their name and contact info.
I don't recommend you use one of the people who show up uninvited at your door. I also don't necessarily recommend using the roofer your insurance agent recommends. Some times that is a good idea, but some times it's not. More information about that will be coming in a future video.
That video was very helpful for me because I hired a roofing company to do my roof, gutters and porch. Now they're done with the roof but didn't do the gutters or nothing to the porch. They say they
@Lizzie Jackson, I'm glad it was helpful. It looks like your comment got cut off in mid-sentence though. Feel free to post again.
@@homesteadroofing so my total for my insurance claim that they gave me was 8,610. To replace the entire roof put up gutters and minor stuff for the porch. Now they ask for 8706.67 . Now that's the whole insurance check plus my $500 deductible. Now I gave them 4353.33. in October. Now mind you I had to get on these people to do my roof and they just did it on the 16th of December. Now he's telling me that I owe a remainder of $7084.67. just for the roof. He didn't ask me if I accept any overages and I'm pretty sure he didn't ask my insurance adjuster. I believe these people are up to something.
@@lizziejackson8318 Do you have a contract with the roofer and if so, what is the amount on your contract with the roofer?
Also, do you know if the roofer filed for any supplements to the claim with your insurance company?
@@homesteadroofing yes I do have a contract with the roofers.
And the contract says my total would be $8706.67 . But the project manager wrote on a side plus any supplements approved by insurance companies. But thing is I think that they didn't approve any supplements with insurance company first before doing the roof.
@Lizzie Jackson, 😳 I'll try to get a video posted today that answers your question and addresses the sticky situation you seem to be in.
Love it
My lawyer settled with my insurance Co and had the check written to me, the mortgage holder and the roofing contractor who referred me to the lawyer. Confusing. I'm in Fl.
Wow! Yes, confusing.
How to cancel contractor contingency argeement with the roofing contractor ?
I have pretty strong opinions about that. I don't think a contingency agreement binds you to anything and I don't like contingency agreements. Also, they normally wouldn't hold up in court.
HOWEVER.... It would be best if you consult a lawyer.
Thanks @@homesteadroofing
I’m in this situation now. How did things work out for you?
I’m waiting 12 weeks for my check to fix my roof from the mortgage company. I’m not getting any answers.
Did you sign the check before you gave it to the mortgage company? If so, that's a mistake. I tell homeowners to have the mortgage company sign it and give it to you. If you do it the other way around, you just handed them thousands of dollars which they will hang on to for as long as they can.
I have a roofer who wants me to pay him the whole insurance check and pay the deductible up front. He did not give me a formal contract for roof replacement with the scope of work, warranty, laibiltiy insurance and how much will it cost. He just told me he will just go with what the insurance company check issued. But when the adjuster inspect the house, there is an interior damage. So the check that the insurance gave us includes the interior. Now he wants all the check amount. It is a red flag to me. My insurance company told me not to give the whole check. I spoke with him that my insurance company will not allow it. He sound angry. Sounds like not reliable to me.
Can I still not use his service? I signed a contract for him to work with my insurance and it was stated there that if I canceled I will pay 20%. But the way how shady he is, I can't risk my home repair to him.
If it were me, this would be a huge red flag. I recommend you seek the help of an attorney right away.
Try to find an attorney who specializes in construction law. You definitely need a lawyer.
Than you. I already have an appointment with a lawyer on Wednesday. We just want this done the right way. He never give us a Roof replacement Agreement. All he wanted is the whole check plus the deductible upfront.
The roofing companyade me sign a contract stating that I have to give them the entire check that the insurance gonna send me. . I just read the contract and found out after I asked them give me an estimate of how much you are asking for. How can I get out of this contract. I don't trust this company. Please help
Best thing would be to have a construction attorney look at the contract and give you advice