Are you a PA? If so, can I PM you to get your info?

histag10 said:

---

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

---

What if the insurance company estimates the cost to replace the roof and cuts you a check for X amount? You then go find a roofer that replaces your roof for something less than X amount. Still an issue?

Right, bc insurance companies arent shady.

histag10 said:

---

Are you a PA? If so, can I PM you to get your info?

---

Not a PA. I'm an appraiser/umpire.

Not an issue, but your roofer also will only do the minimum within that check. If you let them, they will go back to insurance and supplement them for all the things they missed or mispriced- meaning you will be more likely to have a complete product with quality materials and not reusing some things that may be dented to hell. If they open the roof and find more damage (like rotted decking), they will also go to your insurance company to cover it, rather than you being on the hook to pay that on the day the roof goes up. Straight bids are fine, and can be a great way to save money when you are paying out of pocket- but if insurance is paying, why not make sure they pay for everything they are supposed to?

Anecdotal here- before my husband's career change, we had a local company do our roof (one of the ones recommended here) after the last storm. The roof is fine, and was done well- but they don't deal with insurance at all. And we have since found that there were a lot of things insurance should have paid for and didn't, and we didn't end up with the best product we should have per our policy. That was really disheartening to find out, and a lesson learned.

Keep in mind that your insurance is also likely to keep money back unless you gave an ACV policy or are on a payment schedule. They will only pay what the roofing company says it costs minus your deductible (meaning they may not release all of it- and in some cases you may end up owing money back if you got someone to do it cheap). State laws have "leveled" the playing field for roofers working insurance jobs. They do it for what insurance says, and you have to pay your deductible- or your insurance won't release the rest of the money.

Gotcha.

Barnyard96 said:

---

Right, bc insurance companies arent shady.

---

Oh they can be- which is why they "forget" items, or musmeasure, or misprice them. Roofers have access to the numbers that insurance companies use to price each line item (which changes monthly). When they ask for your estimate, they are doing their due diligence for you to make sure your insurance company isn't "inadvertently " screwing you. Some companies do this more than others. Some desk adjusters do it more than others. And some companies don't like playing that game and get it right on the first try.

Edit, you answered above. Thx

JMac03 said:

---

Rockdoc said:

---

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.

---

Yes, those are good (my person is Scott with Stellar). Here are other 2 I mentioned earlier today:

Holden Roofing - Scott Merrill

Infinity Roofing - Jason Duke

---

Thank you. I appreciate it!

Man, this thread blew up!

The way the industry has been over the past couple of years, I would defer to a roofer first. But it has to be one that you know is going to give honest feedback. What policy do you have? Are there exclusions? Is there anything that's going to shoot a customer in the foot? These are questions an experienced roofer can help you formulate to ask your agent or claims specialist BEFORE a claim is filed. All of this stuff works synchronously.

I have been working directly with agents in BCS and other cities in a lot of cases. The general consensus from them is to have the roofer check it first. However, they know I'm not sending it to claim if it's not necessary. They know I'm going to do inspections and write estimates aligned with the agency and carrier. No massive supplements. No games. These customers trust their personal relationships with their agents and I value the relationships with both agents and customers. It cannot under any circumstances be done incorrectly or unethically.

That said, if you have the adjuster out first and he denies you, you can still have a roofer inspect and give his feedback. No doesn't mean no. An experienced roofer will have the tools to help you make a good decision, regardless of what the adjuster says.

Deductibles: HB2102 Has clarified the requirement for deductible paying. If you get a big check from the carrier and can do your roof for less and your deductible doesn't come into play, fine. If this is the case, I HIGHLY recommend you write a check that equals your deductible and then write a check for the remaining amount to settle the bill. That's right. Two checks. This way, no one can ever claim you didn't pay the deductible. A good roofer should be ok with this and encourage it. Homeowner and roofers both can and do get audited. This is a nuance and a pain in the neck. If you want to write a singe check, make the roofer write a contract that has the price hard wired. No open ended or vague language.

Rockdoc said:

---

scd88 said:

---

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?

---

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.

---

Thats pretty old to survived hail storms in 2018, 2020, 2021 and 2025 in BCS. I just looked at a 4 year old roof yesterday and it looks like a ball peen hammer hit it.

who did your inspection?

i'm still waiting on mine, but a roofer that I spoke to said the newer roofs + the smaller hail, he would be shocked if there was any significant damage. waiting for him to come out to confirm though.

Lone Star Roofing out of Katy. High School Friend

My guy said the same thing about newer roofs, but when he got up there, he found dents in several spots and the roof is compromised

Do these guys coming out to inspect charge a fee? Evidently I need to get it inspected and 3 estimates before I actually file a claim with Travelers.

My guy advertises free storm damage estimates and he charged me zero

I did not read all the comments but this is how my roof replacement went a few years ago. I got Insurance appraiser to look at roof they came up with a number for replacing and what all would be replaced and said if find something when taking the roof off then will supplement that. I called my the roofer I chose to come out(he put the original roof on). He gave me a price. I never needed to show him anything that the appraiser had. His cost was less than what appraiser had. I paid the deductible to the roofer. Showed proof of that to the Insurance. Once roof was complete the insurance company had me take pictures and they released the final amount owed to roofer.


Now the stupid thing. renewing my insurance the Stupid Insurance company wanted me to show proof that i had a new roof to lower my next years homeowners. How stupid is that, it was the same company did not change anything just getting the price lowered since a new roof on the house. All the documents were in their system but i had to send the paid in full bill again to the agents so they could input in.

Thanks for all the info guys. Helps me out a lot, as my agent was not very helpful.

Co-worker's car has significant damage. Back window completely gone, multiple blows to the front windshield, sunroof damage, hood and top of car look like a golf ball. He has a trash bag over his back window.

Progressive told him that they can't check out his car until Friday.

Geico here today looking at car.

Utica came out today and looked at both vehicles and a few of our company trucks, he counted 300 dings on my wife's car as well as windshield damage we hadn't noticed

Well that is good info. I need to decide who I want to come look at it.

Jason, can you look at ours?

Just getting back to this. What I liked most about working with Scott Merrill at Holden is he used personal experience (as mentioned by histag above) to make sure everything was reported while making the claim. USAA is sending out an adjuster but I am confident in Scott's ability to make sure all necessary claims are covered...

Highly recommend Hargrove Roofing and their B/CS representative, Bryan native CP Wade. Most honest, straightforward, personal service you will receive, imo. Onsite from start to finish. 979-five87-1zero24

https://www.hargroveroofing.com/

How much more is class 4 (hail resistant) than a builder grade shingle. Ball park percentage

I think my house is going to take 40 squares

Barnyard96 said:

---

Lone Star Roofing out of Houston. Known the guy for a long time.

---

We need them in '21 for a new roof. Have them coming out this week to check for damang, Near Tanglewood park.

PM sent.

Rockdoc said:

---

Thanks for all the info guys. Helps me out a lot, as my agent was not very helpful.

---

Send me a text. 979
Eight two o
l87o

I may can help

Text sent

Wife and I were on our walk with our dog in Castlegate and a roofing guy tried to walk and talk with us. He got frustrated when we would not respond to him.

Toward the end of our walk we saw him again, this time being questioned by CSPD.

FYI, we were not the ones who called the cops.

gigem92 said:

---

Wife and I were on our walk with our dog in Castlegate and a roofing guy tried to walk and talk with us. He got frustrated when we would not respond to him.

Toward the end of our walk we saw him again, this time being questioned by CSPD.

FYI, we were not the ones who called the cops.

---

A guy from Roofing Technologies Unlimited tried the same walk and talk with me.

Been shooing the auto hail folks from my door and it's getting old now. Might rent a Rottweiler with an attitude problem soon.

I asked one of them for their permit on Sunday knowing he was from out of town and the storm occured without the city being open. He just walked away.

I know the city can't prohibit because of previous free speech decisions but something needs to be done. They should require each person to have a permit not just the company.