I just came across this situation with my contractor. My contract is higher than the claim amount, but it states that I only pay the deductible. My contractor also told me that they found additional damage the settlement needs some adjustments to what they are going to charge. They are working with the insurance adjuster and it seems like everything is going good. This video totally help me understand the process better. This is definitely my first claim and it is definitely a process. Your videos are helping a lot to guide me through it. Thanks.
Same here. I just got a roofing inspection and used that inspection to call my insurance company. They sent out an adjuster and the roofer who did the inspection went along with the adjuster. I just got the settlement claim document from my insurance company and now the roofer wants a copy. I am unsure what to do now. I am watching his videos to learn as well. How did your situation turn out?
As an insurance agent in Colorado, I've had two customers who fell victim to a deceptive door-to-door roofing company. These customers paid the full amount upfront, but the company never returned to complete the work. When the customers tried to contact the company, they found it had gone out of business. Sadly, both customers had to take out second mortgages to pay for the necessary roof repairs. Based on this experience, I do not trust any roofing company that uses door-to-door sales tactics.
I don’t see why I would care about the time a contractor spends on an estimate. If I did I wouldn’t get 3 estimates. I sure there’s not a contractor that gets 100% of his estimates signed into contracts.
I’m a new public adjuster in Illinois, where contractors can be public adjusters. I’m not in this to scam people. I came from insurance production, but I realized I wanted to be a part of the claims process and help customers at the point of greatest need. However, starting out the way that I am, one of the only ways that I can get new business is to doorknock/storm chase. I walk up to the house, create some interest, get up on the roof, take pictures, and if there’s adpl, I show the homeowner, offer to file a claim and represent them, and if they’re game, I have them sign a CONTRACT that allows us to represent them, gives a financial disclosure, gives us a fee that we waive if our contractor does the work, and I explain it all to them. I’m not saying this is the right way. I am also learning now that the contractor that I work for is actually a scammer and I’ve stopped writing new contracts for him. Beside the fact that the contractor that I’ve been working for is a sleezeball that I am leaving shortly, and that the best way for me to be working is to be working off of reputation, can someone please explain why this doorknocking is a bad thing and/or how to improve that process or avoid putting homeowners at risk?
Door knocking itself is not bad or a bad way to get leads. But a homeowner needs to be aware that many of the unethical roofers will knock on their doors and many of the well-established roofers with good reputations don't have to. "Not every roofer who knocks on your door will rip you off, but every roofer who will rip you off will probably knock on your door."
As a homeowner, I feel "forced" "coerced" by a roofer asking me to SIGN before I have had a chance to research the company. I understand that if you are starting out in a new business that you have to start somewhere and grow, but instead of pushing for a signature, maybe try telling me about your work experience, where you came from, etc. Kind of like a job interview. Then maybe offer a quick look at my roof with a few pictures and follow up in a few days. Pressure is the kind of thing that turns most people off in my opinion, just like a pushy car salesman. People have worked hard to get their home and realize that the roof is like the foundation, the most important elements. If you come across honest, fair, know what you are talking about and don't be pushy, most honest people will give you a chance. I know I would. Hope this helps!
I had roofer come out and he said I need a new roof. He told me to call insurance company and when they set a time to inspect it,the roofer said he come out make shore the insurance inspector see every thing .
Hi. I am getting a loan from the Pennsylvania Housing Finance Agency. They have required me to get two estimates for them. The first contractor came out and he did his inspection and left us a Roofing Agreement. He signed it. A little later that day, his company called back and said that we needed to sign it. I questioned why I needed to sign it as it was only an agreement. The person I talked to said it was because we had applied for financing through a company that the roofer uses. BUT, I have to get another estimate. What happens if the second contractor offers us a lower bid for the same amount of work? If I sign the first agreement, doesn't that mean that I am locked into a contract with the first contractor? I have some concerns and I had asked the first contractor to to call me so I could have my concerns answered. To date, he has not returned my call. Well, I did sign the contract and emailed it to the company. But then last night I rescinded it. Only, until I have my concerns addressed to my satisfaction. Besides that, I have not received the other contractor estimate yet. The first company knew that we had to get another estimate so I was wondering why they were in such a rush to get my signature. Can you adise where I go with this? Thank you.
Thanks. I'm in Centennial, Co. I already messed up. I signed that first "contract" that says he'll do the job for my deductible and will deal with the insurance company. This same roofer has an A+ BBB rating and did do my neighbor's house. I figured the contract was so he should help me "file the claim". Yea, I know. (Did he just assume I had full replacement coverage - I didn't even know I had that - it's being dropped by the insurance at the next renewal). Insurance approved the claim (for not enough) and I'm sitting on the 1st insurance check. I have new ( 3year old) vinyl siding and am stressing over how the step flashing can be replaced with the J channel probably attached though the old flashing? After bugging the roofer he finally said they can't guarantee the siding. What is the best way to proceed now. I had my siding people out and am waiting for a quote to remove the siding for the roofing job. Should Insurance pay for that (they are paying for the solar panel work). I can pay for the Siding work if it's within reason. I currently have architectural shingles, and I'd like to upgrade to class 4 shingles. How should I expect to work that with the roofer? OMG... this has turned into so much to stress over. Again, thanks for the videos. I assume you guys don't make your way up to the Denver area. 🥴
If you'd like to schedule a phone call or Zoom call about your situation, let me know by Emailing info@homesteadroofingcolorado.com. And if you do decide you want to use a different roofer, I can recommend one that's based in Denver. We don't work there.
Great question. I would interview as many as you need to find one you are very comfortable with. That may mean you stop after one or interview 5 or more.
I would Never sign any contract right away period. Take your time to read over it, ask questions, compare with at least 3 or more roofing constructors and make sure you understand it first.
Hi I singed the contract without the cost on it my insurance was contacted by roofing company what are my options now. I asked for estimate but roofing company said after your insurance provided the claim and replacement cost.
Take control of the situation. It's your house, your roof, and your insurance claim. Make sure you are involved with the insurance company and understand what's going on with the roofer and the project.
You are absolutely incorrect your insurance company will determine the claim amount and they will not change their mind for any reason whatsoever good luck with that I've been there many times and it always cost more to repair than your insurance company is willing to put forward
Thank you for the engagement on the video. I appreciate your willingness to jump into the discussion, however, you're not correct in your statement. It is not up to the insurance company to determine the amount that your roof repair or replacement should cost, nor how much they will pay for it. That's up to you. Out of the hundreds of insurance claim jobs we've been involved with, 100% of the ones that didn't include enough money in the claim to start, revised their claim amount to increase it based on our documentation. If your contractor's cost for the job is reasonable, fair, within market value for the work being done, then your insurance company will pay those costs. But, here's the deciding factor... If the homeowner just simply accepts what the insurance company has offered, then that's all the homeowner will get. The homeowner has the leverage, based on what his contract with his insurance company says. I'll be making a new video soon that addresses this very issue. Watch for it.
@@homesteadroofing Well if I ever have to make a claim maybe I need to push more but in only one home that I've lived in in over 60 years I had a $2000 claim for fire damage on vinyl siding 3 people bid on the job all 3 were higher bids than the insurance and the insurance company refused to even meet the lowest bid
@@homesteadroofing Yes I'm sure my bids were competitive and from reputable people as my wife is the district supervisor for the Department of Labor osha and she knew who the contractor was And he recognized my wife when she walked up to the house coming home from work and park the car his eyeballs got real wide so I know the bid was right I did use them and the job was fabulous but the insurance company never worked with me
He doesn't need to see it, however, after he gives you his estimate, it's a good idea to compare the two documents so you can see and understand why there may be a difference.
Oftentimes this is because the contract you signed is what's called an "Assignment of Benefits" or "Assignment of Claim." What that means is that you have assigned the claim and it's financial benefits over to the contractor. Since the contractor then "owns" your claim, he will want the claim number so he can interact with your insurance company in order to get paid. It's not an illegal practice and it's not necessarily unethical, but it's definitely something that you, as the insured, should understand before signing the contract.
I believe I can talk to my insurance company myself and email the estimate, contract to them just fine, thank you. No third party needed and no policy numbers or claim numbers given.
Excellent question! I know that different contractors have different processes for this, but I would recommend not signing anything until a roofer shows you a scope of work with an estimate associated with that scope. Don't ever sign anything from a roofer that just says, "For insurance amount," or anything similar to that.
Should I get an estimate before insurance companies come for inspection? So I have an estimate? Or should I wait until my insurance company looks at it? From my state not sure if it's different in different states.
@ForcingGamerTV The best thing to do, honestly, is to get someone like me to represent you in order to protect your rights and maximize your settlement.
@@Original_Waterboy Oh, so you mean to tell me that insurance companies always pay out fairly and never unfairly deny claims? Their unethical practices don't bother you, but someone like me holding their feet to the fire and looking to get people paid out properly somehow does? That's a fascinating, albeit contemptible position to take. I'm proud of what I do. No apologies necessary here. Enjoy your day, my friend.
Does the scope of work have to say what the amount of materials is/length of stuff, or can they just state $xx.xx for underlayment, $xx.xx for ice shield, $xx.xx for drip edge, $xx.xx for ridge caps etc to turn into insurance. Thank you for answering questions!
Not sure what you're referring to in your comment, but the bottom line is that, on an RCV policy, the insurance is obligated to pay fair market value for the replacement of the roof. Their claim is simply their estimate and it isn't the final say on what the contractor gets to charge.
@@peascarrots5680 Not sure what you're referring to. Insurance companies have contracts with their clients. It's called the "policy." This is a contract. Hope that clarifies.
Fyi -- There is something called an Assignment of Benefits Contract (AOB's). That's not something a homeowner should ever sign, in my view. The priority is having your claim properly adjusted and maximizing your settlement, whether for a roof or any other property damage you have. It's OK to get estimates on the work, but the settlement money is otherwise yours to use as you wish. Shop around and choose who feel most comfortable with. But if you want the best results, it's always ideal to have someone like me representing you.
I just came across this situation with my contractor. My contract is higher than the claim amount, but it states that I only pay the deductible. My contractor also told me that they found additional damage the settlement needs some adjustments to what they are going to charge. They are working with the insurance adjuster and it seems like everything is going good. This video totally help me understand the process better. This is definitely my first claim and it is definitely a process. Your videos are helping a lot to guide me through it. Thanks.
Same here. I just got a roofing inspection and used that inspection to call my insurance company. They sent out an adjuster and the roofer who did the inspection went along with the adjuster. I just got the settlement claim document from my insurance company and now the roofer wants a copy. I am unsure what to do now. I am watching his videos to learn as well. How did your situation turn out?
As an insurance agent in Colorado, I've had two customers who fell victim to a deceptive door-to-door roofing company. These customers paid the full amount upfront, but the company never returned to complete the work. When the customers tried to contact the company, they found it had gone out of business. Sadly, both customers had to take out second mortgages to pay for the necessary roof repairs. Based on this experience, I do not trust any roofing company that uses door-to-door sales tactics.
We'd love to interview you for a video if you're willing
info@homesteadroofingcolorado.com
I don’t see why I would care about the time a contractor spends on an estimate. If I did I wouldn’t get 3 estimates. I sure there’s not a contractor that gets 100% of his estimates signed into contracts.
Thank you for engaging with our content.
I’m a new public adjuster in Illinois, where contractors can be public adjusters. I’m not in this to scam people. I came from insurance production, but I realized I wanted to be a part of the claims process and help customers at the point of greatest need. However, starting out the way that I am, one of the only ways that I can get new business is to doorknock/storm chase. I walk up to the house, create some interest, get up on the roof, take pictures, and if there’s adpl, I show the homeowner, offer to file a claim and represent them, and if they’re game, I have them sign a CONTRACT that allows us to represent them, gives a financial disclosure, gives us a fee that we waive if our contractor does the work, and I explain it all to them. I’m not saying this is the right way. I am also learning now that the contractor that I work for is actually a scammer and I’ve stopped writing new contracts for him. Beside the fact that the contractor that I’ve been working for is a sleezeball that I am leaving shortly, and that the best way for me to be working is to be working off of reputation, can someone please explain why this doorknocking is a bad thing and/or how to improve that process or avoid putting homeowners at risk?
Door knocking itself is not bad or a bad way to get leads. But a homeowner needs to be aware that many of the unethical roofers will knock on their doors and many of the well-established roofers with good reputations don't have to.
"Not every roofer who knocks on your door will rip you off, but every roofer who will rip you off will probably knock on your door."
As a homeowner, I feel "forced" "coerced" by a roofer asking me to SIGN before I have had a chance to research the company. I understand that if you are starting out in a new business that you have to start somewhere and grow, but instead of pushing for a signature, maybe try telling me about your work experience, where you came from, etc. Kind of like a job interview. Then maybe offer a quick look at my roof with a few pictures and follow up in a few days. Pressure is the kind of thing that turns most people off in my opinion, just like a pushy car salesman. People have worked hard to get their home and realize that the roof is like the foundation, the most important elements. If you come across honest, fair, know what you are talking about and don't be pushy, most honest people will give you a chance. I know I would. Hope this helps!
Also, the fact that you left your scammer employer helps a lot. Shows integrity.
I had roofer come out and he said I need a new roof. He told me to call insurance company and when they set a time to inspect it,the roofer said he come out make shore the insurance inspector see every thing .
Hi. I am getting a loan from the Pennsylvania Housing Finance Agency. They have required me to get two estimates for them. The first contractor came out and he did his inspection and left us a Roofing Agreement. He signed it. A little later that day, his company called back and said that we needed to sign it. I questioned why I needed to sign it as it was only an agreement. The person I talked to said it was because we had applied for financing through a company that the roofer uses. BUT, I have to get another estimate. What happens if the second contractor offers us a lower bid for the same amount of work? If I sign the first agreement, doesn't that mean that I am locked into a contract with the first contractor? I have some concerns and I had asked the first contractor to to call me so I could have my concerns answered. To date, he has not returned my call. Well, I did sign the contract and emailed it to the company. But then last night I rescinded it. Only, until I have my concerns addressed to my satisfaction. Besides that, I have not received the other contractor estimate yet. The first company knew that we had to get another estimate so I was wondering why they were in such a rush to get my signature. Can you adise where I go with this? Thank you.
Thanks. I'm in Centennial, Co. I already messed up. I signed that first "contract" that says he'll do the job for my deductible and will deal with the insurance company. This same roofer has an A+ BBB rating and did do my neighbor's house. I figured the contract was so he should help me "file the claim". Yea, I know. (Did he just assume I had full replacement coverage - I didn't even know I had that - it's being dropped by the insurance at the next renewal). Insurance approved the claim (for not enough) and I'm sitting on the 1st insurance check.
I have new ( 3year old) vinyl siding and am stressing over how the step flashing can be replaced with the J channel probably attached though the old flashing? After bugging the roofer he finally said they can't guarantee the siding. What is the best way to proceed now. I had my siding people out and am waiting for a quote to remove the siding for the roofing job. Should Insurance pay for that (they are paying for the solar panel work). I can pay for the Siding work if it's within reason.
I currently have architectural shingles, and I'd like to upgrade to class 4 shingles. How should I expect to work that with the roofer? OMG... this has turned into so much to stress over.
Again, thanks for the videos. I assume you guys don't make your way up to the Denver area. 🥴
If you'd like to schedule a phone call or Zoom call about your situation, let me know by Emailing info@homesteadroofingcolorado.com. And if you do decide you want to use a different roofer, I can recommend one that's based in Denver. We don't work there.
Always interesting.
Just a question, how many roofing companies should I look at in getting a estimate? I don’t to waste my time or the roofing company
Great question. I would interview as many as you need to find one you are very comfortable with. That may mean you stop after one or interview 5 or more.
I would Never sign any contract right away period. Take your time to read over it, ask questions, compare with at least 3 or more roofing constructors and make sure you understand it first.
Hi I singed the contract without the cost on it my insurance was contacted by roofing company what are my options now. I asked for estimate but roofing company said after your insurance provided the claim and replacement cost.
Take control of the situation. It's your house, your roof, and your insurance claim. Make sure you are involved with the insurance company and understand what's going on with the roofer and the project.
You are absolutely incorrect your insurance company will determine the claim amount and they will not change their mind for any reason whatsoever good luck with that I've been there many times and it always cost more to repair than your insurance company is willing to put forward
Thank you for the engagement on the video. I appreciate your willingness to jump into the discussion, however, you're not correct in your statement. It is not up to the insurance company to determine the amount that your roof repair or replacement should cost, nor how much they will pay for it. That's up to you.
Out of the hundreds of insurance claim jobs we've been involved with, 100% of the ones that didn't include enough money in the claim to start, revised their claim amount to increase it based on our documentation.
If your contractor's cost for the job is reasonable, fair, within market value for the work being done, then your insurance company will pay those costs.
But, here's the deciding factor... If the homeowner just simply accepts what the insurance company has offered, then that's all the homeowner will get. The homeowner has the leverage, based on what his contract with his insurance company says.
I'll be making a new video soon that addresses this very issue. Watch for it.
@@homesteadroofing Well if I ever have to make a claim maybe I need to push more but in only one home that I've lived in in over 60 years I had a $2000 claim for fire damage on vinyl siding 3 people bid on the job all 3 were higher bids than the insurance and the insurance company refused to even meet the lowest bid
And I do appreciate you communicating with me I really enjoy your video thank you
@@happynurse8706 I hate to say it but I think your insurance company really took advantage of you.
@@homesteadroofing Yes I'm sure my bids were competitive and from reputable people as my wife is the district supervisor for the Department of Labor osha and she knew who the contractor was And he recognized my wife when she walked up to the house coming home from work and park the car his eyeballs got real wide so I know the bid was right I did use them and the job was fabulous but the insurance company never worked with me
I got a claim report and a check. Does the contractor(s) I ask for an estimate need to see that report and claim amount?
He doesn't need to see it, however, after he gives you his estimate, it's a good idea to compare the two documents so you can see and understand why there may be a difference.
Yes, and if the roofers estimate is higher, try to see what the insurance company left out and tell them you need a supplement for it.
Why is it the roofing companies want your claim number on their invoice and are they going to ask me to sign that invoice which I don’t intend to?
Oftentimes this is because the contract you signed is what's called an "Assignment of Benefits" or "Assignment of Claim." What that means is that you have assigned the claim and it's financial benefits over to the contractor. Since the contractor then "owns" your claim, he will want the claim number so he can interact with your insurance company in order to get paid. It's not an illegal practice and it's not necessarily unethical, but it's definitely something that you, as the insured, should understand before signing the contract.
I believe I can talk to my insurance company myself and email the estimate, contract to them just fine, thank you. No third party needed and no policy numbers or claim numbers given.
I don't have insurance do a video on that one lol 😢😢😢😢😢
So when do you ask or expect a signature?
Excellent question!
I know that different contractors have different processes for this, but I would recommend not signing anything until a roofer shows you a scope of work with an estimate associated with that scope. Don't ever sign anything from a roofer that just says, "For insurance amount," or anything similar to that.
Should I get an estimate before insurance companies come for inspection? So I have an estimate? Or should I wait until my insurance company looks at it? From my state not sure if it's different in different states.
Ny state
You can do it either way. It shouldn't make a difference. Just make sure you understand what your state laws are that govern roofing contracts.
@ForcingGamerTV The best thing to do, honestly, is to get someone like me to represent you in order to protect your rights and maximize your settlement.
@@propertyclaimspro wow. Settlement? Is this the equivalent of chasing ambulances?
@@Original_Waterboy Oh, so you mean to tell me that insurance companies always pay out fairly and never unfairly deny claims? Their unethical practices don't bother you, but someone like me holding their feet to the fire and looking to get people paid out properly somehow does? That's a fascinating, albeit contemptible position to take. I'm proud of what I do. No apologies necessary here. Enjoy your day, my friend.
Does the scope of work have to say what the amount of materials is/length of stuff, or can they just state $xx.xx for underlayment, $xx.xx for ice shield, $xx.xx for drip edge, $xx.xx for ridge caps etc to turn into insurance.
Thank you for answering questions!
That's a smart question. You, being the consumer, can specify how you want to see the break-down.
What if your not a contractor?
I'm not sure what you're asking. Do you mean - should a homeowner sign a contract with someone who is not a contractor?
It doesn’t matter what the estimate says. It only matters what the insurance is willing to pay. This is stupid
Not sure what you're referring to in your comment, but the bottom line is that, on an RCV policy, the insurance is obligated to pay fair market value for the replacement of the roof. Their claim is simply their estimate and it isn't the final say on what the contractor gets to charge.
Could I break a contract with an insurance company to choose another one at a cheaper price?
I'm just a roofer. I'm not an insurance attorney nor do I work for an insurance company, so unfortunately, I can't answer this question.
@@homesteadroofing Thank you
Since when did insurance companies start creating contracts?
@@peascarrots5680 Not sure what you're referring to. Insurance companies have contracts with their clients. It's called the "policy." This is a contract. Hope that clarifies.
Fyi -- There is something called an Assignment of Benefits Contract (AOB's). That's not something a homeowner should ever sign, in my view. The priority is having your claim properly adjusted and maximizing your settlement, whether for a roof or any other property damage you have. It's OK to get estimates on the work, but the settlement money is otherwise yours to use as you wish. Shop around and choose who feel most comfortable with. But if you want the best results, it's always ideal to have someone like me representing you.