Roofing Contractor Explain Insurance Claims 512-861-8294
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- Опубліковано 29 лип 2012
- www.BestAustinRoofer.com
Dan Malin, a former insurance adjuster is one of the most trusted roofing contractors in the business. Dan is more than a roofer. He is a professional with a business degree from The University of Texas and has over 16 years in the roofing business.
Call Dan today to schedule a roofing appointment and discuss your project. Dan will discuss your options and help decide which shingle and roofing system is best for you and your home.
Your roof inspection will help to ensure all components of the project have been addressed and Dan will answer any questions you have about the installation process. Once the pre-installation inspection is complete Dan will contact you to set a date and schedule the installation.
Once our team begins Dan will manage all phases of your roofing installation, from delivery to cleanup. It's not uncommon to see Dan walking around your home with a magnet bar in search of stray nails and staples. Roofing is a messy business but you can rest assured that we will protect your home while we work and our cleanup is second to none.
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After the installation is complete, we will conduct a final inspection of your new roof to make sure our work meets your expectations. We will answer any questions you may have about how to take care and maintain your new roof and will explain all of your warranty information at that time.
So, if you're in Austin, Texas and you've been in a hail storm or experienced severe weather and you need someone who is knowledgeable, professional, and trustworthy call Dan Malin today at 512-861-8294 and schedule your free, no-obligation roofing estimate.
Here are 8 questions you should ask a roofing contractor before you sign on the dotted line:
1. Are they local and if so for how long? Don't assume that someone is local just because they have the same area code on their magnetic sign. You can get a local number in less than 1 minute with a few clicks of a mouse.
2. How long have they been in business as a roofer?
3. Are they insured, and if so, what coverage to they carry and what is the name and number of their carrier?
4. Will their installers be employees or sub-contractors.
5. Ask them if they have local references, and if so, do they have references that are 2 years old or older? Then check them!
6. Do they use staples or nails? Staples will void the manufacturer's warranty. If they use staples this should be a sign.
7. Will they use "starter shingles" for the rakes and the eaves? Starter shingles
8. Do they offer a 10 year warranty on their workmanship? - Навчання та стиль
Very good explanation! Thank you and thumbs up! This all makes perfect sense and I'm just surfing around after receiving hail damage. Thank you for taking the time to post this helpful video.
Very insightful. I learned a lot watching this. Thank you sir:)
Very Good explanation of recoverable depreciation. We do our best to walk the home owner through the insurance claims process and they frequently go with the lower estimate. We always upgrade to ice and water shield in valleys, fireplaces, and proper ventilation which most times is lacking in homes. Homeowners believe they get to keep the difference in what the insurance estimate is and what they actually are paid for with the lowest estimate.Hence, they are bewildered at the end. Dan makes a valid case for perception of value. Nice video
Thanks for clearing that up.
Great info to pass on to people who have had roof damage. Every state may have slightly different ways the claim is handled but knowing the basics puts you in a much better position to choose a good roofer and not necessarily the cheapest one.
Nice explanation. Most customer do think they need a lower price so they can pocket the diff.
Hi Dan,
I just started in roofing sales with a very reputable co. in Houston/Katy , Tx. I understand more about Replacement Cost
Value and the relationship of depreciation (you explained how it was recoverable depreciation based on the invoice
amount that is charged to homeowner and sent to insurance co.) I now understand that homeowner gets a final check
based on this inv. amount. if contractor does work and submits inv. (for examlple) for $1000 less then RCV on adjuster form, Homeowner
will get check for $1000 less than recoverable depreciation on original RCV form (work and material will probably be subpar).
As you said this is reverse logic of almost all with "I will save money because less expensive contractor is invoicing less".
i suppose that some unethical (scam ) contractors will give homeowners false invoice for higher amount to coincide with RCV insurance report (in this case falsifying $1000 more)= insurance fraud.
This what I am doing on a Saturday night - I must be a dork!
Thanks Dan, you provided me with a lot of very useful information.
Great explanation same way I try to explain it to people wanting quotes. Keeping money from insurance is insurance fraud and the contractor eating the deductible is insurance fraud. I wish ALL STATE and Farmers insurance adjusters did not suck and turn down all valid claims with wind and hail damage. Some adjusters are dishonest
I've been an adjuster for a long time. That was a great explanation. I wish all contractors did it that way.
Michael B. Same hear. I went in expecting this to be bullshit but this guy is great. Need more honest contractors like him.
Dan Redman we're out here trying to bring some respect back to the roofing industry
Integrity goes a long way in the roof business and that company probably has more work than they can handle. Good video.
Mike, are local?
Austin..
Michael all state and farmers adjusters are crooked
I retired in 2002 due to back and knee problems. The last time I ran into a stapled roof I told the owner that there would be extra charge of $10 per square on the tear off. he got mad and I said then call so/so that put it on and let him do it.he said the guy was to busy and had over 2 years back load due to the hailstorm. I kindly let him know the guy was knocking on doors trying to get some work. This was the last time I ran into any staples about 1991.I had a company in the Texas panhandle plus would cover parts of Okla.. and Kan. if I wasn't real busy.Staples is just something you don't see in that area.I roofed for a company in Austin,Texas in 1982 thru 1984 and that's all we used.I used nail guns but hand nailing is best of all.They just don't do it anymore.
Attic fan will help with stratification no box vents or ridge line 🤔 those are more for moisture release. Don't let a roofing salesmen tell you about enthalpy. Hot goes to cold, hot in cold surroundings creates moisture, dew, ridge line vent or box or both give a release (some were to heat to escape before condensation(dew) they won't cool or heat your house better. That requires mechanical forced air .
This man pretty well knows his stuff. He is legal and carry's insurance etc. One thing not mentioned and most people do not know and is very important. If the person or contractor fails to pay for the material on your house then the supplier can hold you liable and you will have to pay for it even if you paid your contractor.I have seen this happen with a few storm trooper company's(fly by night).
I watched your video 3 times. That's great info. I promise not to call my insurance adjuster until I call you. I think we're going to have solar panels installed too.
So then how do the roofers get paid? Or was it already built in to the adjusters quote??
This dude is right about these contractors cutting corners. Go with factory trained installers, a Master Elite GAF contractor with a 50 year non prorated warranty, or something like that. . If the contractor goes out of business , the roofing manufacturer will pay labor and materials. Nothing is worse than paying for the same shit twice.
Very informative. Thank you
How can they know how old the roof is if previous owner pulled no permit with no record when roof was installed 🤔. They can guess educated but it's a guess and then give you an exact amount of money on depreciation. Your saying they can guess but put exact amount dollar wise. STATEFARM IS THE WORST ON THIS. THEY DIDNT EVEN SEND SOMEONE TO VISUALLY LOOK AT THE HOME I PURCHASED , BUT INSURED ME ANYWAYS, NOW WHEN I MAKE A CLAIM THEY LOW BALL ME.
I've been trying to understand this by reading about it, but this was the first time I felt like I understood it.
How can i handle this if i do my own work. My house had tornado damage. The insurance company is allowing full replacement less 3000 in recoverable deperciation. I am a builder by trade. I intend to do my own roof. What legal way can i recover this. Will the insurance company accept an invoice from me equal to the amount of the insurance company bid? Has anyone else run info this problem?
Always advisable for the insured to seek the assistance of a reputable Public Adjuster to protect their interest. A good PA will ensure the claim is properly managed so the insured is not losing out on money they are rightfully entitled too and usually will have established relationships with qualified builders that can be a great resource to the policyholder. Great resource for roofers looking to run reputable operations too.
Million dollar bet the speaker has insurance background . If you don't replace your damaged roof two things will happen a: you get canceled because bad roof causes more damage or B: you are asked to sign a paper that says that your roof is not insured anymore . c: you don't get discounts for being claim free after a claim but dont let that bother you .
Thanks!
Question: Money left over from a claim, do I have to return the money left over?
best video ever
Thank you. Nice video.
Insurance claims feed high contractor price,raise your deductible and depreciation of home value.
Just started roofing sales here in Tyler TX.
Eric Luker You supplement before or after repairs starts?
How do I go about getting the depreciation money out of the insurance, they're giving me to replace the roof but minus the depreciation cost. by the way the house is paid for there is no loan please advise
The insurance company will release the depreciation after the final invoice and or job completion certificate is sent to them stating that the roof is complete and includes the total of the job. If it matches the adjusters estimate younger the full amount of the depreciation, if not it would be the difference of the Replacmnt cost Value minus the deducltbe and depreciation. He explains towards the end as well to give you some insight. You can only recoup the depreciation after the work is complete .
Hey you look like this guy shon at excel roofing up in dunes//Sioux falls area//Nebraska area.
He did my house in under 3 hours with a cheap fast “out of towner” type crew. Now all the sudden the chimney begins to leak........🤬 he insists all these things like, call a chimney guy or I caulked some stuff let’s wait and see.
I’m kinda desperate in that I need a all in one video on how to inspect my roofers job and determine if he is right or wrong.
There were7-8 guys all taking breaks up by the chimney throughout the job for water and whatnot.
Fact one that I have,
my roof/chimney did not ever leak until post job.
This is making me just want to raise holy hell up to and including just fixing it myself and just bidding materials and labor at a fair rate back to him.
What all can I do?
Should I get an invoice book and head to the store later this am?
Very Nice! any More advice on 1st Party Property Claims..
What about when the contractor is overcharging? Most contractors in a claim don't give you an estimate before making a claim
Most of the big roofing company hired sub contractors, they dont give estimate, they go by with the insurance company. They pay half to their sub and they keep the rest. They eat all the insurance money. Once the premium goes up we the one have to pay all that.
you can't get exactly what the insurance adjuster estimated that it would cost to replace the roof most times you'll charge over or under.
I think... really nice!
i am brazilian and i had a serious work accident in charleston sc and i was very well attended by the professionals of the musc medical university of south carolina hospital however as i did not receive my rights as an injured and a worker of the insurance company american international group inc AIG claim services I ended up getting depressed also because the insurance company AIG claim services was wrapping me up I had to break the medical home that Mr DR leon asked as I was not having assistance from the insurance company I had break home get work for a week and return to Brazil without nothing sick with depression and with all broken ribs and spleen stains this was in 04] 17] 2006 I still live sick in Brazil with sequelae with depression because in brazil depression has no cure AIG defaulted on my salaries and my compensation because AIG claim services did not give me anything just outside an RX and left me suffering pain and hunger until the hospital musc medical un The University of Charleston AIG defaulted on my medical expenses of 18,000 AIG which was required to pay the musc hospital and did not pay and defaulted on my rights so I come to ask everyone in the world not to insure with AIG claim sevices because otherwise AIG will do with all of you who made me here in Brazil AIG is not worth anything either because AIG is worldwide but is the worst insurer in the world musc hospital is one of the best hospital in the world now insurer AIG is the worst insurer in the world and deadbeat thanks to all who see and read this little story my name is marco Aurélio de araujo
Should not be taking Americans jobs from them. We're you here illegal, maybe that's why insurance didn't pay. Hope you heal well.
Amazing!Sub
Good explanation on insurance part.
HORSE SHIT on the other roofers cutting corners over a price. If your statement was correct then what you are saying is you are always the highest or middle bid and win work, or your saying you are the lowest and do good work and win.
Which one is it??
I've seen bids that were $100 different and would not pick the higher bidder because he had a crapper reputation. I've done the same with low bids and did not select them because they they changed out people on the crew and lost experience and I would not pick them.
It's not only about the money. It's workmanship! I takes nothing to snap a line and check your shingle for being straight every so often. I've seen lower bid contractors win work because the just started a company and had gone out on their own.
Time, and time, and time again I've seen high priced construction bids won win crappy work done, because of many reasons. maybe its, the workforce and they are not experienced, maybe the boss is not on the job enough, maybe he himself doesn't care, etc, etc.
So stop the bullshit with the lowest bid nonsense.
georgeEPC good roofers dont need to snap lines. 😃
That's not true and you know it. I could use a 6 or 8 ft level on a ledger board that spans 30 feet, Or I could snap a line verify and go. Why because In 30 feet 3 pieces of wood have different crowning so My level could be off by 1/8 or maybe a 1/4" depending on where I place the level and how big the crown is. Takes me seconds to snap a line and eliminate pain.
Are you in the roofing trade??
georgeEPC ya but thats the difference between carpenters and real roofers. Snapping lines is for rookies or carpenters trying to roof. Besides when rafrers are up and down etc. snapping line does nothing because its impossible for a course line to appear straight. They will appear to go up and down when in fact they are correct.
georgeEPC unless you talking about cedar im talking about architectural shingles
Tim are you a roof?
This guy is a roofer not hvac ridge vent or mushrooms have no effect on delta tee when interior supplies and returns and outside wall insulation is factored(enthalpy) he pulled that out of his ass. Was digging the info until the sales pitch at the end.
He's wrong I mean just look at him
He said putting staples instead of nails🤣🤣🤣
Its been done before.
SORRY but telling people that "using staples instead of nails" is "cutting corners" is NOT TRUE. Ask any roof crew which would they rather tear-off .... a stapled roof or a nailed roof. I was impressed with your video until you made that comment which is simply not true.
And btw, I've been roofing for 43 years. I currently use nails, but I used 1-inch crown staples for over 10 years straight without incident. Furthermore, I've NEVER had one case where a homeowner called me to report his stapled shingles blew off during high winds. It's always a nailed roof 100% of the time. You sir cannot prove that staples are inferior to nails - period.
Jeff u think Staples hold better then nails? surely not and yes I've tore plenty of roofs and staple come off not problem. plus they break off and cut the crap out of you after tearing it off. but I've never used Staples my opinion plus I've done several roofs on insurance jobs n people always got the whole amount of the bid that was higher then mine if you roof it yourself you get paid and yes they got their deductable and some back
Jeff - jeez you've been a roofer that long? Wouldn't want you to roof anything of mine...
Jeff you are so right besides hammer-staplers by stanky an botch (haha) have been used to tp or felt roofs hell even siding guys use them a lot too. Wow the not too closely guarded secrets of basic carpentry are gonna get loose!! Waaaaahhhhhhh lol
are you out of business?
Stick to explaining the process, not trying to shame people into your profitability with an up sell
Exactamate is shit..