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Old 06-21-2008, 02:02 AM   #16
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Originally Posted by jrmint View Post
Thanks for all the info, just for an update, it was for exclusive work and all the money, very dissapointed someone we know would not mention anything and basically take advantage of a situation like this but the adjuster came through a few days ago and said no damage was done so thats that
If you feel that another contractor in your area would disagree with the first adjusters conclusion, you can request a second evaluation by another adjuster.

It doesn't cost anything except for a phone call.

If you need a recommendation of a good contractor in your area, I know a couple.



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Old 06-21-2008, 02:05 AM   #17
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By the way, the biggest Storm Chaser in your area is a company that goes by the name of Weather Guard.

That wasn't the "Reputable" Company by any chance, was it?

Many law-suits and actions from various Attorney Generals in multiple states is what the blogs are saying about them.

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Old 06-28-2008, 11:32 PM   #18
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He suckered her into signing an exclusive contractor agreement, guaranteeing that his company will get the work if the insurance company agrees to the scope of damages, probably.

Why the heck did she throw it out?

Go did through the trash. That is a possible legal binding agreement and may have even given that company Power Of Attorney over your claim.

If he did NOT give her an additional piece of paper notifying her and you that you have 3 days to rescind, then that is a federal violation.-Ed

that`s how it works here also Ed,without the rescind agreement the contract can be deemed worthless--this is a federal trade commission agreement,originally tailored for door to door salesmen

here in new york ,whoever signs is the responsible party,but husband and wife debts are considered one and the same under the law-best of luck buddy
"If it`s worth doing,It`s worth doing right!!"

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Old 07-13-2008, 02:19 PM   #19
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I am Glad this has become a non issue for you and yours.

The document the insured loss restoration contractor asked your wife to sign was probably an Authorization to Proceed & Direction to Pay. Very common in the 6 + billion dollar a year insured loss restoration industry.

This document would allow the contractor to scope the damage and discuss the loss scope with your adjuster. The carrier would pay based on the agreed scope, and the Contractors name would be put on the check along with yours. This is to protect their time and monetary investment in your restoration. This is a high volume low margin industry. The insurance companies don't mind one bit if the contractors lose a little on each project.. LOL... they can make it up on volume.

If this was a local established contractor they had more work than they needed (thousands of Hail claims). If I were the contractor I would be happy to send you back the authorization.. 1. I do not want clients that are out of their comfort zone.

Did your neighbors have hail damage? Did the adjuster advise how many hits per square they discovered? Was the adjuster a seasoned pro?
a Newbe? Independent or Staff adjuster?

A good contractor working for you that speaks the same language and has the same estimating programs as the adjuster...can be a great comfort...


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