roofing contract

Message Author
ampm-bookmark
delicious-small Add to delicious
yahoomyweb-small Add to YahooMyWeb
blinklist-small Add to BlinkList
PostPosted: Wed Aug 19, 2009 1:43 pm   Post subject: roofing contract  

My husband ans I signed a contract saying we would hire this roofing company if our insurance deemed that we need a new roof. I called our insurance agent and filled a claim, I called and set up appointment with adjuster, when adjuster called roofing salesman he said he couldn't make appointment. Now this is my question the roofer is coming to meet me today at lunch and he told me the contract we signed intitles him to the entire check insurance gave us. We don't even have a quote for the work from him. He says he doesn't need to give one since we signed contract. No work has been done at this time. Can we cancel contract?


_________________
Register Now to have your Insurance queries solved.
Lynnemac
Guest







PostPosted: Thu Aug 20, 2009 3:54 am   Post subject:   

Some states have a cooling off period, usually 72 hours...I believe that all don't have this. Read the contract...small print....this should inform you. If you don't, check with the state to find out about your options. I know in some states, if it does not have a cancel provision clearly stated that they are easier to get out of. At worst case, the contractor will want around 10% to get out of the contract.



One questions: Why would you not want the contractor to do the work if the insurance company paid for a new roof?



_________________

Can I say I’m working if I stare blankly at my computer all day?
Dasfuk
Senior member
Leave a quick message

Dasfuk

Joined: 27 Feb 2008
Posts: 606

Location: Ohio
24.95 Dollars($)

PostPosted: Thu Aug 20, 2009 9:54 am   Post subject:   

I guess you'd agreed to hire them irrespective of the cost of replacement. You did this, since you thought it would be applicable only if it needs to be replaced.



Now that you have the check with you, you wanna have a share out of it. That's probably the reason why you're trying to look for a quote and then negotiate. My friend, you don't look for a quote after signing the agreement. You do it before signing up.



Anyways, you could always check with your state and see if there's a way out!


_________________
Register Now to have your Insurance queries solved.
anonymous00
Guest







PostPosted: Thu Aug 20, 2009 7:28 pm   Post subject:   

I have no idea where you're coming from here. Why wouldn't the contractor get the entire check from the insurance company? The insurance isn't going to pay more than the cost of repairing or replacing the roof. Actually the check will be for less than the actual cost because I'm sure you've got a deductible.

Did you think there would be payment for pain and suffering? Or were you just hoping that once the insurance company paid you could talk the roofer down to a lower price and keep the difference?

Fishman
Preferred member
Leave a quick message



Joined: 04 Apr 2008
Posts: 143


45.32 Dollars($)

PostPosted: Fri Aug 21, 2009 6:15 am   Post subject:   

This is the entire reason that roofers get homeowners to sign contracts. Too many contractors were spending time measuring, meeting with adjusters and getting agreed prices and then would have the homeowner take their business down the road to a cheaper roofing company and the original roofing contractor would be out the time and expense for handling your claim.



_________________

Can I say I’m working if I stare blankly at my computer all day?
Dasfuk
Senior member
Leave a quick message

Dasfuk

Joined: 27 Feb 2008
Posts: 606

Location: Ohio
24.95 Dollars($)

PostPosted: Sat Nov 28, 2009 12:35 am   Post subject: Lynnemac Dont be pushed around!  

Dont be pushed around by all of these posts on here. It is obvious they are all from crooked roofers. The same situation happened to me. They make it sound like they are doing you a huge favor and it is going to be very difficult to get your roof covered by the insurance company. If you will sign the contract and let them fight it out with your adjuster, they will get the roof covered. These roofers insist on meeting with you adjuster, over estimating the number of squares on you roof and sticking tons of the insurance money in their pockets.



They are crooks and are causing insurance preimums to go through the roof.


_________________
Register Now to have your Insurance queries solved.
anonymous12345
Guest







PostPosted: Sat Nov 28, 2009 3:12 am   Post subject:   

Quote:
Dont be pushed around by all of these posts on here. It is obvious they are all from crooked roofers. The same situation happened to me. They make it sound like they are doing you a huge favor and it is going to be very difficult to get your roof covered by the insurance company. If you will sign the contract and let them fight it out with your adjuster, they will get the roof covered. These roofers insist on meeting with you adjuster, over estimating the number of squares on you roof and sticking tons of the insurance money in their pockets.



They are crooks and are causing insurance preimums to go through the roof.




First off, you don't know what your talking about. Secondly, it's not the responsibility of the roofing company to "fight it out" with the insurance company/adjuster. If a roofing company called me, I would simply hang up on them and deal directly with the home owner. Lastly, I wouldn't do business with a contractor that made me sign a contract until I was paid in full for my claim.
Trench
Senior member
Leave a quick message



Joined: 16 Sep 2009
Posts: 908

Location: Kansas City
152.85 Dollars($)

PostPosted: Sat Nov 28, 2009 8:08 am   Post subject:   

Quote:
Dont be pushed around by all of these posts on here. It is obvious they are all from crooked roofers. The same situation happened to me. They make it sound like they are doing you a huge favor and it is going to be very difficult to get your roof covered by the insurance company. If you will sign the contract and let them fight it out with your adjuster, they will get the roof covered. These roofers insist on meeting with you adjuster, over estimating the number of squares on you roof and sticking tons of the insurance money in their pockets




Re-reading my replys as well as the other couple...where does it appear that we are roofing contractors?



Quote:
They are crooks and are causing insurance preimums to go through the roof.




There are some bad ones, but I don't agree that they are causing premiums to go through the roof.



Quote:
Lastly, I wouldn't do business with a contractor that made me sign a contract until I was paid in full for my claim.




Agreed.


_________________

Can I say I’m working if I stare blankly at my computer all day?
Dasfuk
Senior member
Leave a quick message

Dasfuk

Joined: 27 Feb 2008
Posts: 606

Location: Ohio
24.95 Dollars($)

PostPosted: Tue Dec 01, 2009 4:38 pm   Post subject:   

My point was, that there seems to be a lot of crooked roofing companies that post here. And whoever said it's not the responsibility of the roofer to fight it with the insurance company is an idiot. It is their responsibility to do so if the homeowner hires them to do the job. That would include negoiating the amount to do the job with the insurance company who will utlimately pay them to do it. And it is these guys that are increasing the cost of insurance, try picking up a newspaper once and awhile. Jeez.


_________________
Register Now to have your Insurance queries solved.
anonymous12345
Guest







PostPosted: Tue Dec 01, 2009 6:20 pm   Post subject:   

Quote:
And whoever said it's not the responsibility of the roofer to fight it with the insurance company is an idiot. It is their responsibility to do so if the homeowner hires them to do the job. That would include negoiating the amount to do the job with the insurance company who will utlimately pay them to do it.




That was me. I don't know about you, but I sure wouldn't want anyone to but myself to negoitate my settlement. Especially someone like a roofer who is more than likely not qualified and probably doesn't have me in his best interest. Futhermore, unless this roofer is an attorney, any decisions made to negoiate your claim other than yourself would be illegal. And the insurance company wouldn't be responsible for paying the roofer, the homeowner would.
Trench
Senior member
Leave a quick message



Joined: 16 Sep 2009
Posts: 908

Location: Kansas City
152.85 Dollars($)

PostPosted: Wed Dec 02, 2009 4:18 am   Post subject:   

Quote:
And whoever said it's not the responsibility of the roofer to fight it with the insurance company is an idiot.




You really shouldn’t start name calling when you are mistaken in your own remarks. Any negotiating that is done between the adjuster and the roofer is purely a courtesy to the insured. Normally most insured’s aren’t going to know the first thing about what a square of shingles on and off with all additional items go for and it is usually easier to speak to their roofer (keeping the insured in the loop). Myself, I tried to work with any roofer the insured wanted me to, but if the roofer was unreasonable I would cut it off with them and go to the insured. I also tried to keep the insured actively involved in the negotiations.



[/quote]It is their responsibility to do so if the homeowner hires them to do the job.
Quote:




The roofers only job is to repair/replace the roof, if the insured hires them.



And it is these guys that are increasing the cost of insurance, try picking up a newspaper once and awhile.
Quote:




Do they play a part, sure...but its not that easy. Try every aspect of the industry that makes premiums go up.


_________________

Can I say I’m working if I stare blankly at my computer all day?
Dasfuk
Senior member
Leave a quick message

Dasfuk

Joined: 27 Feb 2008
Posts: 606

Location: Ohio
24.95 Dollars($)

PostPosted: Wed Mar 31, 2010 2:31 am   Post subject: One of those "Roofers"  

In most situations I have run into, Homeowners are unfamilliar with the "next step". We offer our services to ensure that the insurance adjusters give a fair evaluation and note all of the damage that we observed during the preliminary inspection. Many adjusters are very knowledgable, while other adjusters, especially in storm situations, are sent out with limited hands on training, fear of heights, and a supersonic eye to deny claims from the ground or ladder never once stepping foot on your roof.

The other statement that "roofers raise insurance prices" is bogus. The insurance adjusters set the total value of the roof and the roofing company works within that cost. You are all welcome to slap on a roof for half price by the lowest bidder with no warranty and makeshift roofing crews just so you can pocket a little extra cash, but reputable crews are fully aware of what there talents are worth. They do this job day in and out and are paid accordingly. Most of the cheaper companys get their crews from labor pools... yard work one day, roofing the next.. But its your home, you choose between a little spending cash or piece of mind.

I must exclaim, most homeowners appreciate our turnkey services and are glad they don't have to deal with the frustration, or fear the possability of the insurance adjuster mis-measuring their roof or under estimating their shingle value.

My strongest recommendation for those of you on the fence is... choose a reputable company BBB rated with insurance and a physical address. Understand that the roofer is entitled and has earned compensation for his time, gas, effort, knowledge, and attentiveness to your needs. Just as you would pay a travel agent to book your flights, hotels, and transportation to an all inclusive vacation.


_________________
Register Now to have your Insurance queries solved.
One of those "Roofer
Guest







PostPosted: Tue May 11, 2010 12:12 am   Post subject: My situation  

Hi All,

I just stumbled on this thread and thought I'd share my experience. I was made aware from a neighbor that there was a hail storm that came through our area last summer that left alot of neighborhood roofs damaged. I had a roofer come out and assess the damage. I signed a contract figuring I really had nothing to lose if the claim was denied....and a new roof to gain if approved. I filed a claim, set up a meeting with the adjuster, the roofer, and myself. The adjuster was extremely easy to work with and very agreeable. The roofer put together an estimate(which I never saw) and submitted to adjuster. I asked for a copy of the estimate from my adjuster and he faxed it to me....17K for 28.8 square tear off and installation. The adjuster indicated that he was going to pay off the estimate, but suggested I get another quote as he thought it was high. I set up another estimate by a local reputable company and the quote came back at 6,400.00. I met with roofer 1 and he was in dismay at first, but then started backpeddling saying I may have never gotten the claim approved had he not been there. The two quotes were over 10K apart.....I told him that I thought it was criminal. He said he'd talk to his boss, but reminded me that I had signed a contract. Not sure how this is going to turn out, but I'd like to hear an answer to the posters original question about the chances of getting out of this contract.


_________________
Register Now to have your Insurance queries solved.
gmd
Guest







PostPosted: Wed May 12, 2010 9:11 am   Post subject:   

Contractors come in all varieties. Many are reputable and trustworthy. Some you woudn't want to be in the same county with. But you have to compare prices and services. Some roofers will low-ball the competition and conveniently leave "clean up" out of their contract.



When I demo'd my entire roof two years ago in preparation for a major remodel, the demo contractor left the lot so clean, you wouldn't have known there had been a 5' high pile of scrap lumber and shingles in the yard while he waited two days for the dumpster to be delivered. But the roofing contractor didn't want to do any clean up. I told him, "No clean up, no contract." So he grudgingly included it in the same bid. I agreed to pay for the dumpster ($150).



The problem with signing a contract is the fact that your signature is evidence that you agreed to the terms.



You can get an estimate without having to sign a contract. You can get a dozen estimates without being obligated to any of them. You'll find contractors who think their work is worth its weight in gold, and others who do better work for practically nothing because they'd rather be busy than rich. I gladly gave my assorted jobs to them -- they came with glowing recommendations.



I did about 3000 square feet of new roof (30 "squares"), concrete S-tile, for $6400 including materials of my choosing. Highest estimate was $15,000 + materials! And the roof is beautiful! Who knows what I would have gotten for $15,000+?



From the original post:

Quote:
We don't even have a quote for the work from him. He says he doesn't need to give one since we signed contract.


Apparently the contractor was willing to do the job for whatever the insurance company was willing to pay. Even if the check was for $1.


_________________

CA-licensed Life & Disability Analyst. CA Insurance Lic #0596197. Also investigating insurance company abuses, and providing litigation support/expert witness services. Send me your questions, and I'll send you my answers.
MaxHerr
Forum Expert
Leave a quick message

MaxHerr
Forum Expert

Joined: 29 Nov 2009
Posts: 7888

Location: Pomona CA
107.67 Dollars($)

PostPosted: Mon Sep 13, 2010 1:09 am   Post subject: roofing contract  

I am dealing with a similar situation. I was told that wind damage had damaged my roof. I contacted a roofing contractor and signed a contract. I was verbally told that the contract was only if they agreed to pay for the entire roof. The insurance company reivewed the damage and decided to pay for 1/2 of the house and the entire garage. The roofing contractor saw the estimate from the insurance company and has given me 3 different numbers now as to what it would cost to do the remaining portions. I am planning on getting an estimate from two more roofers this week and truely get a sense of what it would actually cost to get my roof done.



I agreed to pay my deductable in exchange for my entire roof being replaced, this was providing the insurance company would pay the remaining balence. Now I am not getting an entire roof, and I am having to pay more than my deductable. 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.


_________________
Register Now to have your Insurance queries solved.
Chris Hansen
Guest







Quick Reply
Your Name
Subject
Message body
All times are GMT
1, 2, 3  Next  
Page 1 of 3


Get a Quote
Ask Community Experts

flash plugin

Quick Links

Must See

Community

Hot topics in forums

Latest in blogs

AmPmInsure on Facebook



Page loaded in 0.286 seconds.