by Guest » Tue Sep 16, 2008 01:35 pm
I hope I can explain my confusion, but after tons of calls Im more confused that I was at the begining.. please,,, someone give me some direction.. please?
April1, bad hail damage, causing my house and my rent house on the same property to need a new roof, and my house needing a half a ceiling in my dining room, new awning over my house as well as a dusk to dawn security light.
The insurance adjuster came out and did the estimate and it was close to $10,000 for allof this. he explained that i would get a check for 8,000 now and once it was all done then i wold get the other 2,000 after submitting a yellow form in this envelope with the receipts.
I called 10 roofing companies the next day and only one called back, I set up an appt with a local Contractor and was greeted by a great person, but he said because of the area( catastrophe area) and thousands of homes needing roofs in my area all their company could do now was the roofs. he had me sign some form saying that If I chose to use only them, they would accept the price of the estimates from the insurance adjuster, and they would deal directly with the insurance company and I wouldn't have too and that they( contractor) would get the insurance company to send all the checks to them so I wouldnt be out any money other than my deductible, they would get the Recoverable Depreciation check to cover the whole price.
Because of my having work done by this company professionally, i signed it and thought nothing of it. his bids were over 12,000 just for the roofs, which i recieved after the signed form. I didnt sign these bids. I was told someone would get back with in a week or two because of the amount of damage in our area it would take that long.
After a month, I called this company, They had never heard of me. By this time, Roofers were scarce and you couldnt get anyone to call you back or show up. Apparently, the roofer that came out was fired later. I explained the whole story to this company about having these forms, etc and a bid and someone made an appt to come out the next day. He did show up,, but at 1930 hrs and was only able to measure one house. he made plans to come the next day, He had me sign that " we will accept the bid of the insurance co if yu choose us" form again, that was not completed. But because ive had work done by this company I know how professionally they are, I signed it again.
Well another month goes by, there are roofers all over town, doing bad work, the news and newpaper is daily telling us about how to find a good contractor etc, so im scared.
I call the co again and was griping to the head guy who told me that because of the rising costs of supplies the bid we submitted was wrong and prices have risen 6 times they would have to have another person put in another bid and so on... the next guy comes out and I realize that during my conversation with him, im scared of this guy, hes a smooth talker. He said we needed the adjuster to come out again and re measure the roofs because he is wrong and then he needs an adjustment to the prices of supplies.
We call the adjuster who is not to be found and hes moved on and was given a new adjuster, who comes out and remeasures to find that the original measurements are accurate and he begins tellingme tha the roofing company over estimates the sizes to account for not being accurate in how they do the roof, but he was able to get me an additional $720 because of the prices going higher. He tells me that the bid sibmitted to him from the contractor has $300 per house for covering my plants, and tells me that The " good hands people" dont pay for that and the contractor is trying to cover up for their poor work possibly.
well the contractor called me and explained that he was ready to have the roof put on so we met at my office and signed the bid he sent to the Insurance adjuster saying he forgot to have me sign the bid before he did it. So i handed over th 8720 and signed them.
In a few weeks the Roofers came out and damaged my yard. they did a great job onthe roof! but the shingles were everywhere and nails etc all over... but I was over it.
The Contractor comes to my home the day after and asks for his $3000 for the remainder of the balance so i could them send my insurance company the bill and get my returnable depreciation check. I reminded this person again about the signed consent that i completed and the one I signed that wasnt filled out and he became angry! lol I have not ever filed homeowners insurance so this was a new one on me. I had during our numerous converstation informed him that our form said he would bill the insurance co and that they would do all the work and accept the estimate. thats when he began talking about the form i signed at my office being a contract( he said bid at my office) and how it said on the back about not paying could get you a lien on my house. I got so scared... but he said he would fax over the forms to the insurance and he hoped for my sake that approve it.
Ive been sitting here totally scared about all this. Now, the rest of the work to be done and im not sure f it will be done by this company and they would deal with the insurance company. I viewed this bid/contract and its for the entire amount of my roof damage insurance claim settlement if you include the returnable depreciation! So,,,, What do I do?
I called the insurance co to speak with someone about the check for the depreciation but Hurricane ike has now hit and it will be days before someone in claims can contact me. So here are my questions ....
1. will the insurance co send the returnable depreciation check for the roofs which would add up to almost the total of what I owe them... or will they send all of the returnable Depreciaiton money for the other items such as the ceiling, awning and light fixture? I did go out this weekend and buy all the supplies for the ceiling and light fixture and am going to start when i get home tonight to finish these. the awning I can keep for awhile and am not worried about this item.
2. Does any of this sound familiar to anyone here at this site? Ive heard so many times that Insurance agencies are notorious for low balling estimates but do contractors also do this? im just shocked that all of this is happening.
3. Will the insurance company give me back what ive paid for with this roof or just what they estimated? Its about 3,000 less. I have called numerous roofers since this issue and all of them gave me close to the same price based on squares and pitch within 1,000. Are all roofing insurance claims so complicated?
4. Can you do some of the work yourself? Such as the dawn to dusk light and ceiling? I was only given about 600 for both of these items, but was paid about 400 with 200 in returnable depreciation. Will I have to pay back these items since I was given some of it upfront?
5. How do you prove to the insurance company that all of this was completed if you did it yourself?
Thank you all so much for reading this long, mixed up post. this has gone on for 5 months now......
April1, bad hail damage, causing my house and my rent house on the same property to need a new roof, and my house needing a half a ceiling in my dining room, new awning over my house as well as a dusk to dawn security light.
The insurance adjuster came out and did the estimate and it was close to $10,000 for allof this. he explained that i would get a check for 8,000 now and once it was all done then i wold get the other 2,000 after submitting a yellow form in this envelope with the receipts.
I called 10 roofing companies the next day and only one called back, I set up an appt with a local Contractor and was greeted by a great person, but he said because of the area( catastrophe area) and thousands of homes needing roofs in my area all their company could do now was the roofs. he had me sign some form saying that If I chose to use only them, they would accept the price of the estimates from the insurance adjuster, and they would deal directly with the insurance company and I wouldn't have too and that they( contractor) would get the insurance company to send all the checks to them so I wouldnt be out any money other than my deductible, they would get the Recoverable Depreciation check to cover the whole price.
Because of my having work done by this company professionally, i signed it and thought nothing of it. his bids were over 12,000 just for the roofs, which i recieved after the signed form. I didnt sign these bids. I was told someone would get back with in a week or two because of the amount of damage in our area it would take that long.
After a month, I called this company, They had never heard of me. By this time, Roofers were scarce and you couldnt get anyone to call you back or show up. Apparently, the roofer that came out was fired later. I explained the whole story to this company about having these forms, etc and a bid and someone made an appt to come out the next day. He did show up,, but at 1930 hrs and was only able to measure one house. he made plans to come the next day, He had me sign that " we will accept the bid of the insurance co if yu choose us" form again, that was not completed. But because ive had work done by this company I know how professionally they are, I signed it again.
Well another month goes by, there are roofers all over town, doing bad work, the news and newpaper is daily telling us about how to find a good contractor etc, so im scared.
I call the co again and was griping to the head guy who told me that because of the rising costs of supplies the bid we submitted was wrong and prices have risen 6 times they would have to have another person put in another bid and so on... the next guy comes out and I realize that during my conversation with him, im scared of this guy, hes a smooth talker. He said we needed the adjuster to come out again and re measure the roofs because he is wrong and then he needs an adjustment to the prices of supplies.
We call the adjuster who is not to be found and hes moved on and was given a new adjuster, who comes out and remeasures to find that the original measurements are accurate and he begins tellingme tha the roofing company over estimates the sizes to account for not being accurate in how they do the roof, but he was able to get me an additional $720 because of the prices going higher. He tells me that the bid sibmitted to him from the contractor has $300 per house for covering my plants, and tells me that The " good hands people" dont pay for that and the contractor is trying to cover up for their poor work possibly.
well the contractor called me and explained that he was ready to have the roof put on so we met at my office and signed the bid he sent to the Insurance adjuster saying he forgot to have me sign the bid before he did it. So i handed over th 8720 and signed them.
In a few weeks the Roofers came out and damaged my yard. they did a great job onthe roof! but the shingles were everywhere and nails etc all over... but I was over it.
The Contractor comes to my home the day after and asks for his $3000 for the remainder of the balance so i could them send my insurance company the bill and get my returnable depreciation check. I reminded this person again about the signed consent that i completed and the one I signed that wasnt filled out and he became angry! lol I have not ever filed homeowners insurance so this was a new one on me. I had during our numerous converstation informed him that our form said he would bill the insurance co and that they would do all the work and accept the estimate. thats when he began talking about the form i signed at my office being a contract( he said bid at my office) and how it said on the back about not paying could get you a lien on my house. I got so scared... but he said he would fax over the forms to the insurance and he hoped for my sake that approve it.
Ive been sitting here totally scared about all this. Now, the rest of the work to be done and im not sure f it will be done by this company and they would deal with the insurance company. I viewed this bid/contract and its for the entire amount of my roof damage insurance claim settlement if you include the returnable depreciation! So,,,, What do I do?
I called the insurance co to speak with someone about the check for the depreciation but Hurricane ike has now hit and it will be days before someone in claims can contact me. So here are my questions ....
1. will the insurance co send the returnable depreciation check for the roofs which would add up to almost the total of what I owe them... or will they send all of the returnable Depreciaiton money for the other items such as the ceiling, awning and light fixture? I did go out this weekend and buy all the supplies for the ceiling and light fixture and am going to start when i get home tonight to finish these. the awning I can keep for awhile and am not worried about this item.
2. Does any of this sound familiar to anyone here at this site? Ive heard so many times that Insurance agencies are notorious for low balling estimates but do contractors also do this? im just shocked that all of this is happening.
3. Will the insurance company give me back what ive paid for with this roof or just what they estimated? Its about 3,000 less. I have called numerous roofers since this issue and all of them gave me close to the same price based on squares and pitch within 1,000. Are all roofing insurance claims so complicated?
4. Can you do some of the work yourself? Such as the dawn to dusk light and ceiling? I was only given about 600 for both of these items, but was paid about 400 with 200 in returnable depreciation. Will I have to pay back these items since I was given some of it upfront?
5. How do you prove to the insurance company that all of this was completed if you did it yourself?
Thank you all so much for reading this long, mixed up post. this has gone on for 5 months now......
Posted: Mon Sep 26, 2011 07:09 pm Post Subject: Roof
My current insurance company agreed to needed a new roof. About a month later I received a check for a portion of the new roof. I could not find a roofer in my area, as they were all very busy due to storms. I held on to the check, but in the meantime I had a medical emergency that I had to pay for so I used the insurance money. Now my roof is leaking. Can I get the insurance company to pay for another roof? Can I go to another insurance company for my homeowners insurance and will they pay for another roof? I need a roof badly, but I needed to pay the medical emergency for my health more than a new roof. Please let me know if there is anything I can do. I live in South Carolina.
Posted: Tue Sep 27, 2011 06:06 am Post Subject:
I'm afraid, you can't.
You had already been paid for your roof damage and you can't claim for it again.
""Can I go to another insurance company for my homeowners insurance and will they pay for another roof?""
No, switching insurance companies will be worse. New company won't cover for prior damages, and might not even insure you for neglecting maintenance.
Try and find out some other way of arranging money for the roof, as I really don't think it'll be paid for all over again.
Posted: Tue Sep 27, 2011 06:09 am Post Subject:
Oh! I din notice you've already been replied by tcope. Please try and stick to one thread.
Posted: Fri Mar 02, 2012 10:16 am Post Subject: jiJHejEbkS
How old is the roof? Most ronfiog materials have a life span of 15-20 years. At the very least, you can have a licensed roofer take a look at the roof and have them write a letter to the insurance company stating the condition of the roof. The inspector who did your inspection a year ago may very well have told you the roof has 3 to 5 more years left, and that's usually fine for the mortgage company. That's a very short life span as far as the insurance company is concerned. To them, that means you'll be having a claim soon if there's a large wind storm or heavy rains. Sounds like you need a new roof. Do something now, because if you're cancelled, you're going to find it very hard to get another reputable company to take your policy. Travelers is a very good company with very good rates. Don't wait.
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