roofing contract

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PostPosted: Mon Sep 13, 2010 2:42 pm   Post subject:   

Quote:
In truth, I did this wrong, signing a contract prior to getting a written estimate, however I feel that this person is taking advantage of my honesty.




And you were duped by his "honesty". Perhaps your state's contractor laws have something to say about the validity of such a contract.



It boggles my mind that when it comes to insurance, claims, and contractors or lawyers, people do things in exactly the wrong order.



They rush to find a contractor or lawyer long before they know what the insurance company will do for them. They sign legally binding contracts before they read and understand what they have obligated themselves to do. And people don't read their insurance contracts either (it's just a policy, right?).



Certainly, if a pipe suddenly bursts in the middle of the night, a phone call to a plumber may be the first call one makes. But when a roof is damaged by wind, unless it's completely torn off, why would anyone think the insurance company will pay for anything other than the damaged part? No policy says "If a few shingles are blown off by wind, we'll gladly pay to replace all of them."



But they sign a contract with a roofing contractor that says, "I agree to pay Jones Roofing Company $20,000 to replace my roof." And the contractor says, verbally, "You'll only have to pay me your $500 deductible." Everyone assumes the insurance company will be paying the cost to replace the entire roof. What the insurance company decides to pay for and what the contract obligates the homeowner to do are TWO DIFFERENT CONTRACTS.



(In personal injury cases, people rush to lawyers in the mistaken belief that the insurance company will try to cheat them. Once they sign the contract with the lawyer, the insurance company has no choice but to deal with the attorney. That usually leads to attorneys making money and insureds feeling like the insurance company cheated them. And the myth is perpetuated.)



To protect yourself in the future, don't sign anything before you've talked to your insurance company and determine what is, or is not, covered, and to what extent the insurance will pay the claim. Then feel free to sign any contract of your choosing according to the information you have.



Many insurance companies will provide you with a contractor they have done business with in the past to perform the repairs, and will guarantee the work performed. Saves you the trouble of having to interview one or two or three or fifty contractors. Price is a concern, but not the only basis of a decision on whom to employ.


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PostPosted: Sun Dec 12, 2010 3:41 pm   Post subject: similar situation  

I'm in a similar situation as others. I signed a contract without a quote attached. When I called on the third day i was told i was only obligated if they negotiated the full price with the adjuster so i decided not to cancel (for some stupid reason.) The roofer was unavailable and the adjuster came. Still trying to find out what I'll be getting back but I'm concerned I'm on the hook. Am I in the same boat if no price is attached? I'm in AZ, by the way.


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PostPosted: Mon Dec 13, 2010 5:01 pm   Post subject:   

Probably.



I fail to understand what people are thinking when they sign a blank document, such as a home repair contract.



Would you give someone a blank check and not be concerned about how much they might write it for?



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PostPosted: Wed Dec 15, 2010 10:09 pm   Post subject: Re:  

Supplier of metal roofing, standing seam, steel roofing, aluminum roofing, copper roofing, roofing tools, roofing equipment, gutter systems, flashings, copings, tools and training.



------------------

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PostPosted: Thu Dec 16, 2010 11:21 am   Post subject:   

Nothing but spam from this sbglobal2010.



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PostPosted: Wed Jan 05, 2011 3:20 am   Post subject:   

Any Contarctor should negotiate with the Insurance Adjuster, to make sure he gets the total ACV, and it isnt just Contractors that are shady, even Homeowners are, maybe its not a title, just people in general. All the work that I do, is done this way, and My Homeowners are just happy to have no out of pocket expense and get there damage restored. Too many selfish people. If people only realized what it takes to do an entire roof and make sure it's done properly. It isn't hard, if you know what your doing. Love the fraud though


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PostPosted: Wed Jan 05, 2011 3:25 am   Post subject:   

The Contarctor should negotiate the calim on behalf of the Homeowner. Once the price is settled, then a Contract should be made. Most Homeowners are content with their deductible being waived. I've even upgraded shingles or certain project items for the original cost of the insurance claim, and the Homeowner still picked color and was involved with every step of the process. This is why there should be no Free Estimates, HOurs and Days wasted on greed.


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PostPosted: Tue Mar 15, 2011 4:16 pm   Post subject: Roofing Contracts  

First off, you will pay the same price no matter who does your roof which is the cost of your deductible. Insurance pays for the cost of replacement only. If your looking for bids lower than what insurance is paying its insurance fraud! We roofers spend valuable time & money (gas cost, estimator costs, appt time with adjuster) to give you an estimate. We are tired of doing this work for FREE! We make our living doing every aspect of roofing. You are free to speak to several roofing contractors and pick one that is reputable, but the cost will be the same. Your deductible. Anything less is insurance fraud. The reason we get you to sign a Subject-To contract is to avoid working for FREE. Check out our references before signing this contract if you are uncomfortable, but once you sign it, you agree to use us. It is only fair. How would you like to spend time/money for nothing if you had your own business????



On another note, companies like State Farm & Farmers did a study recently to find out what homeowners have been doing in regards to insurance claims for roof replacements. They found that many homeowners have been using the cheapest roofer in town, so they could pocket the difference. That is why they are paying less and your deductible is going up. At the same time, the cost of materials is going up every year.


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PostPosted: Thu May 19, 2011 10:59 pm   Post subject:   

had several roofers 2 giv estimate 1 askd 2 b here when adjuster com i signed what wuz 2 b agreement 4 that now all is dun he get higher n higher n fine print saya if i dont let him do work i pay 1000 or 20% is this legal n alabama or anywhere


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PostPosted: Tue Jul 12, 2011 8:20 am   Post subject: Price and contract signed  

Signed a contract without reading it. Was vulnerable due to a number of deaths recently. The man had a great personality and was personable. I served fruit and it was like being with a friend. Anyway I thought my husband was up on pricing and when the price was $25,000 for 3,000 sq. ft. roof. I was still numb from my next door neighbor passing the previous night. He said if we signed now he'd give us $1,500 off. I said make it $1,700 he said $1,600 then I said $1,650 and shook on it. Now I'm thinking I got took. The company has been in business for 56 years. He gave lots of other information to help cool and heat our house.


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PostPosted: Tue Jul 12, 2011 4:19 pm   Post subject:   

Quote:
Signed a contract without reading it.




You don't ask any questions, you only make statements that mean very little compared to these six words.



You signed a contract. I'm sure that just above the place where you signed is a statement similar to this: "I have read and agree to all the terms and conditions set forth above."



What do you think the judge would say?


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PostPosted: Wed Aug 24, 2011 7:38 pm   Post subject: Roofing Company  

Yes, always wait for the insurance company to come through first. Don't pay for the roofing company and expect to get fully reimbursed later because most of the time that won't happen.



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PostPosted: Thu Oct 06, 2011 2:18 pm   Post subject: Duped by Shady Roofer  

last spring I was home 8wks post surgery. Around the corner a neigh was getting a new roof. two young ladies knocked on my door soliciting their services.... said they cld have one of the wrkers come look. I thought good I can get an ESTIMATE. The guy just said yes my insurance company wld pay. The ladies said they wld call my insurance co for me (???) they left a flyer. they came can back 3x. then oneday a man came. it took me awhile to get to door cause I was convalesing. He was a roofer. I sent him away. when I went back to work he met me at the mailbox and give me his card. finailly I called the number frm the flyer the girls left. The man showed up I didnt realize it was the same people. I thought I was going to get an estimate. what I got was an inspection. Stupid me signed a contract and put it in a drawer... the roofer kept calling me inqiring if I called the adjuster yet, I finally did he met the adjuster something he insisted he shld do. Ok now I asked him how much is the job going to cost? He very rudely said that I signed a contract to pay him whatever the insurance company wld pay me. and that he wld sue me. I said the I felt threaten and duped and hung up.

he called back wanting to come to my house. I had chest pains, He said he was sorry and the he wld not sue me. I said I still felt duped and how dumb of me to sign a contract saying I'd pay u whtevr insurance say w/o even having a estimate of what the job cost. that he wld gave me some of the check if I was having financil issues. Uggh. I'm done with him. a few days after that meeting on my porch, he send me a letter frm his lawyer's office saying that he wld sue me. In the meantime I've gotten several estimates frm other roofers.

they all give me a written proposal and said plz call if I USE them. I do not want to wrk w/ someone like the 1st roofer. I dont care about him giving some of the insurance check back. I cant see how this can end good w/ all the bad tht's passed and the job has not even been started. I havent had my roof fixed yet cause not sure if I'll be paying twice... Plz is there anyway out of this Storm Chaser contract.


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PostPosted: Thu Oct 06, 2011 7:11 pm   Post subject:   

Quote:
is there anyway out of this Storm Chaser contract.


Possibly. A contract is a contract . . . except when it is created under false pretenses or through the use of material misrepresentation or artifice.



As a signer of the document, you have a responsibility to have done what your signature confirms: That you have read and understand the contract, and that you agree to each of its terms and conditions. It's hard to argue against that in most instances.



If you could show that this company and its "agents" did the same thing repeatedly with other consumers, you would have a better argument.



At this point, you should simply ignore the letter threatening to sue. Wait until it actually happens. If it never does, your troubles are over.



If you are sued, then you will have to defend yourself (or hire an attorney to do that for you), and you will force the contractor to defend his actions in court. He may not want to expose himself to that, which is why you may never be sued. It's hard to justify such conduct which is not an acceptable business practice.



If your roof actually does need to be repaired due to insured damage, then choose a contractor you feel comfortable with and have the work performed. You have a responsibility under the terms of your homeowner's policy to do that.


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PostPosted: Sat Jun 23, 2012 4:18 am   Post subject:   

Never hand over all your money before the work begins.


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