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Rick1151 03-27-2013 09:08 AM

No Price Contingency Roofing Agreements
Does anyone know if these types of service agreements are valid in the state of North Carolina? This agreement usually specifies that a roofing contractor will do a roofing job for whatever the insurance company agrees to pay for a damaged roof.

joecaption 03-27-2013 09:11 AM

SO what happens when they find hidden damage or need to redo some flashing that was not seen before or was not part of the loss damage?

jagans 03-27-2013 09:17 AM

A contingency plan is a plan devised for an outcome other than that which is expected. This does not imply a Lump Sum payment. So............What exactly are you asking? Why beat around the bush, just say whats on your mind.

Rick1151 03-27-2013 09:17 AM

No Price Contingency Roofing Agreements
Not sure. Roofer wouldnt provide detailed estimate. I am assuming that would be additional costs.

Rick1151 03-27-2013 09:19 AM

The contingency is based on the ability of the roofer to convince the insurance company that the roof is damaged and will pay the claim.

Rick1151 03-27-2013 09:32 AM

Think my question was pretty straight forward jagans. was asking from any of the roofing experts on this forum if that type of agreement was valid in the state of north carolina?

joecaption 03-27-2013 09:35 AM

Any insurance company I've delt with comes up with a price and a list of what it covers, (called a scope) the roofer looks it over to see if there's anything missing or needs to be added or changed and does an amendment to have the change approved.
Anything like repairing old damage, going with better shingles, replacing the vent flashing, replacing old water damaged sheathing, adding Storm and Ice Shield if there was none, adding drip cap, adding a ridge vent, removing and patching old roof vents, falls on you, and would be added to the total.
I've also never seen the insurance hire the roofer, all I've seen is it's up to the home owner who they hire.
All the checks where made out to the home owner and they paid the tradesman.
I'm no insurance expert, just got to deal with a lot of them when we had a Tornado, hurricane, and an earth quake all happen within 12 months.

Rick1151 03-27-2013 09:54 AM

Thanks Joe for the additional info. Apparently the roofer I spoke with is not the one I feel comfortable dealing with.

joecaption 03-27-2013 10:02 AM

We have seen quite a few people on here complaining about the insurace companys not paying for all the extras that the roof really needed long before the damage happened.
There job is to make you whole again and only pay to fix what damage was done not pay for lack of maintaince.
If I had to settle on what the insuance company was allowing and I found hidden damage do you really think the roofer is going to pay out of his pocket to fix it, or just cover it up as cheaply as possible?
I'd want it all in writing from whoever it is doing the work so there's no surprizes. He has you over a barrel once that roofs opened up.

jagans 03-27-2013 10:59 AM

OK I see. That is a very inappropriate use of the word contingency, in my book. Contingency is a plan B as it were, and assumes that there is a plan A.

I guess when it comes to insurance companies, the use of the English language is what they want it to be. I once asked an insurance agent for a glossary of standard terms. He told me that there is none, so you see where that is going.

I would think you would be better off posting this on a legal forum, as it really has nothing to do with the actual installation of a roofing system. You will probably get some good information there. Maybe contact the state of NC and ask them directly.

If you are worried about runaway costs, the best way to handle that is with a list of unit prices. Unit prices are used to cover unforseen conditions. For instance, a square foot cost for deck replacement, with a minimum size of 4 x 4 ft. spanning three supports (This size is required for proper support of sheathing) A unit price, in the world of construction means complete, in place, and includes material, labor, overhead and profit. In other words, soup to nuts.

I hope this helps you.

Rick1151 03-27-2013 02:34 PM

Thanks jagans for the additional info.

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