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Old 01-03-2012, 11:45 AM   #16
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Looking to get an explanation regarding insurance claim and roof damage...


thinking shingles have advanced in design in 20yrs the insurance company has no other choice and can't spec what quality shingles are used.they sure don't want it done twice,and depend on the home owner to do his/her homework on neighbrhood jobs and word of mouth...for quality..roofing guys stuffing a flyer in your mail box stay away from them,and stick with exclusive roofing companies doomer kings porches and extensions are too spread out and will rip you on quality..check Timberline sites and www.gaf.com to pick the colors

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Old 01-03-2012, 12:19 PM   #17
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Looking to get an explanation regarding insurance claim and roof damage...


In VA you notify the insurance company of your loss, they will give you permission to midagate damages after taking some pictures, they then send out an adjuster. A scope is written which is handed to you to look over. It includes the work to be done line by line, what they going to pay for labor and materials in very detailed terms. You have a chance then to dispute the amounts.
It will also say your responable to contract with a licenced contractor and come to terms on the price. You deal with them not them. Most will settle on the price the insurance company offered. If not then you will owe the balance.
If any hidden extra damage comes up you can do an adenment. It will need pictures and a statement from the contractor and be preapproved.
The time to depute the amount offered from the insuance company compaired to the acual cost of repair needed to be disputed before work began.
There are two differant add ones you may or may not of had on your policy (forgive me if I use the wrong terms, I'm not in the office with the info) One is new replacement with no depriciation, the other is current code replacement.
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Old 01-03-2012, 12:35 PM   #18
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Looking to get an explanation regarding insurance claim and roof damage...


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It will also say your responsible to contract with a licensed contractor and come to terms on the price. You deal with them not them. Most will settle on the price the insurance company offered. If not then you will owe the balance.
Not true, the homeowner should never pay anything more than their deductible on insurance work, if there is a discrepancy in the scope and contractor pricing, that needs to be addressed before work begins.

I have negotiated with adjusters to get my price on a few jobs that needed more money to complete the job and make the insured whole again.

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Old 01-03-2012, 12:57 PM   #19
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Looking to get an explanation regarding insurance claim and roof damage...


they have to be up on labor rates and the cost of shipping the material with that weight we have all seen on products last year. the insurance company can't tell roofers what they have to get for roof jobs they know how far they can push the insurnace companies on prices...as long as you get a quality job ..and plan on your rates going up on the homeowners policy within 6mts to cover the roof money doled out even if you have 20yrs in your home with no claims...paying the montly fee thru your mortgage
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Old 01-03-2012, 03:11 PM   #20
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Looking to get an explanation regarding insurance claim and roof damage...


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..and plan on your rates going up on the homeowners policy within 6mts to cover the roof money doled out even if you have 20yrs in your home with no claims...paying the montly fee thru your mortgage
It's against the law for insurance companies to raise rates because of a disaster, what will happen is an area that has been hit by disaster will see an increase accross the board, not a single homeowner making claim.

My area was hit in 2001 I did not file a claim, but my insurance went up because enough people in my area filed a claim.

They don't get some of us, they get all of us!

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Old 01-03-2012, 05:41 PM   #21
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Looking to get an explanation regarding insurance claim and roof damage...


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Originally Posted by chb70 View Post
Not true, the homeowner should never pay anything more than their deductible on insurance work, if there is a discrepancy in the scope and contractor pricing, that needs to be addressed before work begins.

I have negotiated with adjusters to get my price on a few jobs that needed more money to complete the job and make the insured whole again.

Complete Roof
If a homeowner wants an upgrade, they can pay for that. Insurance won't pay for upgrades unless it is code related.

Thanks for spelling out the process in the thread though. Like most storm claims, people get some bad info. The entire system needs to be revamped, IMO.
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Old 01-03-2012, 06:40 PM   #22
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Looking to get an explanation regarding insurance claim and roof damage...


they all slipped a little in for Katrinia but you didn't see it... over the years.on Long Island in 2009 FEMA came out to hold townhall meetings trying to explain where home insurance stops and flood insurance starts or ..visa vera.............forgetttaboutttit
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Old 01-03-2012, 07:07 PM   #23
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Looking to get an explanation regarding insurance claim and roof damage...


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If a homeowner wants an upgrade, they can pay for that. Insurance won't pay for upgrades unless it is code related.

Thanks for spelling out the process in the thread though. Like most storm claims, people get some bad info. The entire system needs to be revamped, IMO.
Correct, I should have clarified that in my answer.

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Old 01-03-2012, 07:09 PM   #24
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Looking to get an explanation regarding insurance claim and roof damage...


Your insurance company owes you EXACTLY what your policy states they owe you, nothing more and nothing less. I have worked on over 200 insurance claims as an engineer, not as an insurance adjuster, and I can tell you from personal experience that less than 5 persons per hundred have read their policy, and of that 5, none of them knows exactly what they are covered for. Policies are typically hard to read, and even harder to interpret, because of unbelievably complex legal issues surrounding insurance claims. I find it interesting that so many folks on this forum seem to be certain how much you are owed, when none of them (and probably not even you) have read your policy, and certainly no one on this forum understands the legal issues in your state.
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Old 01-04-2012, 08:21 AM   #25
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Looking to get an explanation regarding insurance claim and roof damage...


If a customer calls and wants me to inspect their home for any type of damage that will be covered by insurance, I ask them to get their policy and find out if they have TOTAL REPLACEMENT coverage.

I have never had a problem getting insurance work paid for as long as the customer has total replacement coverage.

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