I feel bad for the people who work at dealerships. I've known somebody for probably 15 years and both her and her spouse work at the same dealership and every single car was ruined.

So if you think about it, essentially their income stops until they get new vehicles in.

JP76 said:

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Kbeauty63 said:

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JMac03 said:

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Goodness our departmental campus vehicles got beat to
Hail!

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the 'fleet' of state vehicles at the System Offices got hammered as well

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You talking about the 7 figures of new tahoes sitting by spring loop with paper plates on them ?

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yes

anybody know LRP (Legacy Roofing Pros) ? They called me about setting up an inspection. Says they are based out of Round Rock.

EliteElectric said:

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if it's not a 979 number I'd be cautious

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It's not - thanks!

who are you calling first? insurance or roofer?

TyHolden said:

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anybody know LRP (Legacy Roofing Pros) ? They called me about setting up an inspection. Says they are based out of Round Rock.

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i think you have MANY local options that are good and reputable. At least 3 mentioned on page 1 and at least 2 here. Definitely go with someone local who you can verify their work.

For me, depends on insurance. Lol

If my insurance is known as one that has been denying claims lately, I'll probably call roofer first and let them handle claim (they can look at all dates of loss that are still valid, and give best chance for claim getting aporoved). I'd also call a roofer first if I'm missing shingles or see an active leak.

If I know my insurance is really good about being honest in these scenarios, I might call them first and research companies better.

I would also research all the newish laws regarding roofing and insurance, and what roofers can and can't do, and what rates they can and can't charge when dealing with insurance.

Ok, called my agent first and he said I need to get the roof inspected myself to see if a claim is warranted, then file. He said they recommended using local but they don't give company recommendations. So my question is the legitimate locals to use are Stellar, United, and Schulte? I mean price wise if it's a total replacement what I'm paying is just my deductible anyway, even though that's 2% now.

BCSWguru said:

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who are you calling first? insurance or roofer?

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Insurance. And if they say no

Roofer and they can normally get you the new roof

Some insurance companies are different Some will give 1/2 and the other half when finished

Other insurance companies will give 60 or so and the other part once they get an invoice They will only pay the amount of invoice if cheaper if more they will only pay the amount they estimated for repairs

Its a tricky problem sometimes and this is why roofers want the insurance estimate because alot of times adjusters miss stuff that roofers need to do the job

Now dont get me wrong insurance could miss a 10 percent of the quote and still not hurt a roofer

There is plenty money in a insurance claim roof

Rockdoc said:

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Ok, called my agent first and he said I need to get the roof inspected myself to see if a claim is warranted, then file. He said they recommended using local but they don't give company recommendations. So my question is the legitimate locals to use are Stellar, United, and Schulte? I mean price wise if it's a total replacement what I'm paying is just my deductible anyway, even though that's 2% now.

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I would also try stinson. Two brothers I think both graduated from A&M but that dont mean that much anymore

I liked them when they tried to get me a new roof last year

JP76 said:

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Kbeauty63 said:

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JMac03 said:

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Goodness our departmental campus vehicles got beat to
Hail!

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the 'fleet' of state vehicles at the System Offices got hammered as well

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You talking about the 7 figures of new tahoes sitting by spring loop with paper plates on them ?

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I've seen those Tahoes. If System Office wants to part with them at a reduced rate, I'm all ears.

Just started the claim process with usaa and using Scott Merrill with Holden roofing.
Smooth process so far and would gladly recommend him!

Fleen said:

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Just started the claim process with usaa and using Scott Merrill with Holden roofing.
Smooth process so far and would gladly recommend him!

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Just curious. If the roofing company inspector says you need a new roof and you file a claim, is the insurance company going to send out their own inspector to agree or disagree? I assume they're not going to take the word of the roofing company. And does the insurance company require several bids/estimates?

Rockdoc said:

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Fleen said:

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Just started the claim process with usaa and using Scott Merrill with Holden roofing.
Smooth process so far and would gladly recommend him!

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Just curious. If the roofing company inspector says you need a new roof and you file a claim, is the insurance company going to send out their own inspector to agree or disagree? I assume they're not going to take the word of the roofing company. And does the insurance company require several bids/estimates?

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Who's your insurance company? Generally, the carrier will send someone out who will put their own estimate together. They may or may not require several bids - let them guide you on their process.

scd88 said:

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Rockdoc said:

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Fleen said:

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Just started the claim process with usaa and using Scott Merrill with Holden roofing.
Smooth process so far and would gladly recommend him!

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Just curious. If the roofing company inspector says you need a new roof and you file a claim, is the insurance company going to send out their own inspector to agree or disagree? I assume they're not going to take the word of the roofing company. And does the insurance company require several bids/estimates?

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Who's your insurance company? Generally, the carrier will send someone out who will put their own estimate together. They may or may not require several bids - let them guide you on their process.

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Well I called my agent (not the insurance company) and he said I had to get my own inspection. They wouldn't send anybody out, then file a claim. I guess I'll just call a roofing company first for an inspection.

You need to call your insurance company and file a claim. When you do, they will send out an adjuster who will look at your roof and write up an estimate. That's their job

You can have a roofer come out, take a look, and help with the claim process- but everything will still hinge on your insurance adjuster's estimate.

Rockdoc said:

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Fleen said:

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Just started the claim process with usaa and using Scott Merrill with Holden roofing.
Smooth process so far and would gladly recommend him!

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Just curious. If the roofing company inspector says you need a new roof and you file a claim, is the insurance company going to send out their own inspector to agree or disagree? I assume they're not going to take the word of the roofing company. And does the insurance company require several bids/estimates?

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YES. We got screwed a few years back when there was a tornado and they said there wasn't one. Basically our roofer fought with the insurance company and ultimately the insurance company paid $1600 on a $16,000 roof replacement. We appealed it and they sent the same damn adjuster out. So we footed nearly the entire bill.

Had we changed insurance types, our roof would've been covered. It was such a racket.

OK, let me ask this - are you in an area that got hit pretty hard?

scd88 said:

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OK, let me ask this - are you in an area that got hit pretty hard?

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I'm near Wellborn and I don't think it was all that big. Maybe marble size at worst.

Yeah, the borderline stuff is hard to get a read on. If your roof is newer, then it is likely OK. If it's old, maybe not. Might not be a bad idea to have a trusted roofer give you an opinion if you're hesitant in turning a claim in.

If you give me a few days, I'd be happy to look at it myself. I'm not an adjuster anymore but I handle disputes between insurance companies and policyholders these days. What that means is I have a good idea of what a carrier will pay for based on my experience.

That way you're not wasting a decent guy's (like histag's husband) time on something he may not get a shot at.

I'm assuming your house is a one story?

scd88 said:

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Yeah, the borderline stuff is hard to get a read on. If your roof is newer, then it is likely OK. If it's old, maybe not. Might not be a bad idea to have a trusted roofer give you an opinion if you're hesitant in turning a claim in.

If you give me a few days, I'd be happy to look at it myself. I'm not an adjuster anymore but I handle disputes between insurance companies and policyholders these days. What that means is I have a good idea of what a carrier will pay for based on my experience.

That way you're not wasting a decent guy's (like histag's husband) time on something he may not get a shot at.

I'm assuming your house is a one story?

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Yeah one story, roof is original 17 years old. My deductible is 2% and I'm not gonna have it replaced if the insurance company isn't gonna cover the bill.

Dont they also work in depreciation of the roof too?

Rockdoc said:

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scd88 said:

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Yeah, the borderline stuff is hard to get a read on. If your roof is newer, then it is likely OK. If it's old, maybe not. Might not be a bad idea to have a trusted roofer give you an opinion if you're hesitant in turning a claim in.

If you give me a few days, I'd be happy to look at it myself. I'm not an adjuster anymore but I handle disputes between insurance companies and policyholders these days. What that means is I have a good idea of what a carrier will pay for based on my experience.

That way you're not wasting a decent guy's (like histag's husband) time on something he may not get a shot at.

I'm assuming your house is a one story?

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Yeah one story, roof is original 17 years old. My deductible is 2% and I'm not gonna have it replaced if the insurance company isn't gonna cover the bill.

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Pretty old. I'd call in a claim but that's just me.

Barnyard96 said:

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Dont they also work in depreciation of the roof too?

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That's called "actual cash value" or ACV. Most policies allow you to recover some or all of that (depends on the cost of repairs) to get you to "replacement cost" or RCV.

Is there any way around the 2% deductible? The roof is 6 months old

No. There are laws that prevent companies from absorbing your deductible. If they offer to do your roof where you don't pay your deductible or it's less- they are shady and breaking the law

If roof is 6 months old- it might be fine or just need a few repairs (which can be done outside of insurance for fairly cheap and likely way less than your deductible).

If not- some companies offer 3rd party financing with fairly decent rates if you have good credit (as deductibles can still be thousands of dollars)