Our neighborhood has a "No Solicitors" sign out front, but it doesn't seem to stop them. Several folks complained on the neighborhood Bookface, and I said "call CSPD non emergency number, if enough of yall donit, maybe they'll roll by."

I've never noticed it when I've driven in.

trouble said:

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I've never noticed it when I've driven in.

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Yeah, that door to door King Cake gets us every spring.

b0ridi said:

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gigem92 said:

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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.

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

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So, what did that sales guy open with?

1.) I'm John with XYZ roofing, I was wanting to see if….

2.) I was in the neighborhood checking out your neighbors roof from the recent hail and wanted…..

3.). I noticed your roof had hail damage and I wanted….


Ive heard a ton of pitches from guys trying to sell stuff to me, and it's almost always some variation of that. I think it's the wrong approach but every roofing company teaches it to every sales guy that comes through.

trouble said:

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I've never noticed it when I've driven in.

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Y'all might live in my old neighborhood.

Independence H-D said:

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trouble said:

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I've never noticed it when I've driven in.

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Y'all might live in my old neighborhood.

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We don't live in the same hood. I'm in central Bryan. I just deliver baked goods to him.

Surprisingly he opened with "It is a beautiful day to be outside." I replied yep and he came back with "That is why I love my job." as he tried to follow us down the street.

After that, I am not sure what else he said because I was tuned out. He got frustrated and in a huff said, "well OK!" and turned to go back to his truck.

Hornbeck said:

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Our neighborhood has a "No Solicitors" sign out front, but it doesn't seem to stop them. Several folks complained on the neighborhood Bookface, and I said "call CSPD non emergency number, if enough of yall donit, maybe they'll roll by."

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Quote:

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In College Station, Texas, all door-to-door solicitors and handbill distributors require a permit from the City of College Station to operate, and these permits are non-transferable

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Ask for their permit.

I do not know if Bryan has a similar ordnance.

https://library.municode.com/tx/college_station/codes/code_of_ordinances?nodeId=SPAGEOR_CH8BU_ARTVHOSOITVETEAMUNTIRE_DIV1GE_S8-184PR

Met with our adjusters on multiple properties yesterday. Looks like I will be buying a lot of shingles, looks like 3 roofs need to be replaced. This really sucks. Inconvenience to us and our renters, and like a big cherry and bow on top I get to deal with insurance

May reach out to you. On our personal home the roof is circa 2023 and is class 3 or "hail resistant" adjuster said 2 spots hail went through the shingles to the decking and so the adjuster put small pieces of tarp on the roof for us. I guess "hail resistant" does not equal "hail proof".

Waiting to see what their estimates are, on my residence we lost screens, gutters, vent caps and fp cap, a commercial kitchen fan as well as some pool equipment.

What a mess and a pita for us and our renters.

I don't blame you. It's disingenuous. At some point in the day, I do like to unwind. I know these guys are making a living, but I still don't like to be hassled and my wife isn't going to buy anything anyway. I am going to talk to them because that's what I like to do with salesmen in person when I can read them. Not to be a jerk, but to see how they handle things. I like to see if they are going to try to figure out what makes me tick and what bothers me. None of them ever do. They spend their time telling me about their name, company, shingles, the hail, the weather, my dog.....

Hypothetical - shingle roof needs to be replaced from hail damage. Insurance cuts check minus deductible. Can you use those funds on a new metal roof?

Yes.

You can collect ALL funds and even supplement the asphalt roof if needed. You would then be responsible for whatever the difference is on your metal.

Ex.

11,000 for roof
1,000 deductible
Insurance cuts a check all said and done for 10,000

Metal roof costs 20,000


You would use the 10,000 from insurance and come up with the extra 10,000 and you're good to go.

Thx! That's what I figured but want to be sure.

Need more banners on the screen

1.5 squares? Should be at least 15 squares.
1 square = 100 square feet

peddler said:

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1.5 squares? Should be at least 15 squares.
1 square = 100 square feet

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Yeah... 10k for 1.5 squares would seem a bit excessive.

We just had our adjuster and roofer out this morning. Adjuster said he could see I was getting a new roof before he even stepped foot on the roof. He could see the damage just being up on the ladder. He walked the roof to confirm everything but said he couldn't believe the way the hail hit like it just came straight down and beat the roof badly. He had done 36 claims this week and was on his way to another. We are off Greens Prairie and Wellborn area.

Our adjuster said we are getting a new roof as well.

No real roof damage on either of our houses. 2 skylights with holes. Little gorilla tape and good as new.

Wellborn.

FlyRod said:

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Let's do a collective prayer that we avoid this stuff tonight.

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Is hail on the radar for tonight?

Kind of on the edge but I'd stay vigilant.

I don't like those odds.

Thanks.

This whole process has been confusing. From what I've learned over the past week, there is a difference between having a roofer do an inspection and having one do an estimate. I've had 4-5 inspections done but not a single one has provided an estimate (at least, not yet). The inspections were pretty simple and basically just told me "You have a lot of damage." Well I could've guessed that myself.

A friend of mine is in the industry and has taught me a few things over the past few days. He strongly recommends NOT giving the roofer your insurance estimate. If you do, the roofer's estimate will magically be that same price or more. Instead, he said to obtain estimates/bids from a couple roofers you like, then select one and pay them directly. He said not to sign anything with them giving the roofer the ability to represent you to insurance. Signing that means the roofer will get the full insurance payout, regardless of how much the work should actually cost.

This all seems to make sense to me. Bid from the roofer, payout bid from insurance, then you pay the roofer. If there is extra leftover, you get to keep it. I think this is why the roofers are all so rabid and trying to jump on these jobs. THEY want this extra money the insurance will surely pay.

It just depends on whether you want to write your roofer a check all at once and deal with insurance yourself while saving them a bunch of money or if you want him to handle it. I can explain all of this if you want but withholding a totaled roof estimate from the Carrier just makes this process harder than it needs to be. It's literally written FOR your contractor.

If I do a roof for insurance proceeds I require the document.

When I finish the roof, you pay me the deductible plus the roof money paid out to date. The rest you pay me once they release it and I invoice them for it. So, you aren't out any money other than the deductible.

If I write an estimate for you and do the roof, you've gotten a pretty good roof, probably saved the carrier a couple bucks, and that entire roof amount is due at completion.

The second option is fine if you have that cash laying about. Some of my customers would prefer to pay the deductible and the insurance money as it is paid out rather than writing me a check for 26,000 dollars. Many just don't have that available. What if the carrier doesn't pay out soon? What if the adjuster goes on vacation? I have roofs from last year that I am still waiting on sluggish carriers to pay out. It's fine. The homeowner is out nothing.

On top of that, if he writes an estimate and then finds extra stuff that needs to be fixed, he's coming to you for that overage OR he's sweeping it under the rug and just not addressing it.

Going the first route is ideal because it makes all of this the carriers problem.

Im happy to field a call if you want to chat about the process. It's very straightforward. After a decade of scenarios, I can go through a couple of examples that show why the first option is preferred. The insurance is set up the way it is for a reason. Personally, I'll write an estimate if a customer wants it but I also explain all of this so they know what they are doing and asking for and it's pretty rare for a customer to continue that route once it's been explained.

It frustrates me that carriers don't explain this to people but it's in their interest for you to get the cheapest bid you can.

Many roofers are reluctant to write estimates because you already have it. Your deductible. That's how much it's going to cost you. Estimates are not free for a good roofer. He's paying for software monthly, measurements, fuel, wear and tear, and drawing on decades of experience. When you ask for an estimate, it signals to him you are price shopping and most aren't interested in lowballing their work so they just blow it off.

If I have a good conversation with a customer and they are truly serious, I will still write estimates even if it does cost 20-100 dollars for each one.

Jason_Roofer said:

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It just depends on whether you want to write your roofer a check all at once and deal with insurance yourself while saving them a bunch of money or if you want him to handle it. I can explain all of this if you want but withholding a totaled roof estimate from the Carrier just makes this process harder than it needs to be. It's literally written FOR your contractor.

If I do a roof for insurance proceeds I require the document.

When I finish the roof, you pay me the deductible plus the roof money paid out to date. The rest you pay me once they release it and I invoice them for it. So, you aren't out any money other than the deductible.

If I write an estimate for you and do the roof, you've gotten a pretty good roof, probably saved the carrier a couple bucks, and that entire roof amount is due at completion.

The second option is fine if you have that cash laying about. Some of my customers would prefer to pay the deductible and the insurance money as it is paid out rather than writing me a check for 26,000 dollars. Many just don't have that available. What if the carrier doesn't pay out soon? What if the adjuster goes on vacation? I have roofs from last year that I am still waiting on sluggish carriers to pay out. It's fine. The homeowner is out nothing.

On top of that, if he writes an estimate and then finds extra stuff that needs to be fixed, he's coming to you for that overage OR he's sweeping it under the rug and just not addressing it.

Going the first route is ideal because it makes all of this the carriers problem.

Im happy to field a call if you want to chat about the process. It's very straightforward. After a decade of scenarios, I can go through a couple of examples that show why the first option is preferred. The insurance is set up the way it is for a reason. Personally, I'll write an estimate if a customer wants it but I also explain all of this so they know what they are doing and asking for and it's orettt rare for a customer to continue that route once it's been explained.

It frustrates me that carriers don't explain this to people but it's in their interest for you to get the cheapest bid you can.

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Is it not possible for the homeowner to get his roofing bid, receive the first check from the insurance company, pay the roofer this amount, then pay the roofer the remainder once the job is complete and insurance has paid the homeowner?

Yes.

It is possible but it's going to depend on the roofer as to how long he'll wait for that. If you get your check in a week, no worries, if the carrier is backed up, it could be months. We have two styles of contracts. One is for insurance where the deductible is outlined, explicitly as the only out-of-pocket cost to the homeowner. That way, they are contractually protected by overages. Any issues I have, that becomes the problem of the insurance company. The second contract is an out-of-pocket bid. This is the one you were asking about. On the first contract, we can wait indefinitely for the insurance payment to be released. On an out-of-pocket bid, we expect payment within 30 days. We don't take money up front so we are waiting on payment and prefer it the day the roof is complete in this example. So really, this kind of thing would be dependent on the particular roofer that you choose and how he operates. But yes, to answer your question, it is technically possible to do exactly that.


The alternative to both of these is that you get your estimate from your roofer, sign the contract, and then request the exact payment from the carrier before any work starts. That way the roofer doesn't have to wait for anything. When you get your check, initiate the installation, pay the roofer. Done deal.

Be aware that if your insurance has approved $30,000 to replace your roof, and your roofer comes in at $20,000, the insurance will cut a check for $20,000 minus your deductible. You will not and cannot utilize the extra proceeds in most cases. The caveat to this, is if they write you an RCV check upfront. Some carriers will do that when they get busy. There's just a lot of variables involved as to how this plays out.

There are many ways to skin this cat.

Try to be as flexible as possible with people. I'll explain what I need to explain and we can proceed with whatever route they want to go.

You can message me, if you want.

6 months in on one. 3 fired adjusters, and one died and the carrier didn't notify any active claims. Finally got it pushed up to get approved.

Also have seen RD monies held for 4-6 months after completion for no apparent reason.

And, personally, as someone who had a roof done without giving the contractor the estimate (a recommended company on here who doesn't deal with insurance), I regret it. We had to pay entire balance on roof day, and we ended up with what we now know is a subpar product to what our insurance SHOULD have paid for.

histag10 said:

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6 months in on one. 3 fired adjusters, and one died and the carrier didn't notify any active claims. Finally got it pushed up to get approved.

Also have seen RD monies held for 4-6 months after completion for no apparent reason.

And, personally, as someone who had a roof done without giving the contractor the estimate (a recommended company on here who doesn't deal with insurance), I regret it. We had to pay entire balance on roof day, and we ended up with what we now know is a subpar product to what our insurance SHOULD have paid for.

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Yep. The worst one I had was one where the carrier actually went bankrupt. They left the state and it took over a year to finally get the proceeds from it as they paid out all of their debts.

Jason_Roofer said:

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histag10 said:

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6 months in on one. 3 fired adjusters, and one died and the carrier didn't notify any active claims. Finally got it pushed up to get approved.

Also have seen RD monies held for 4-6 months after completion for no apparent reason.

And, personally, as someone who had a roof done without giving the contractor the estimate (a recommended company on here who doesn't deal with insurance), I regret it. We had to pay entire balance on roof day, and we ended up with what we now know is a subpar product to what our insurance SHOULD have paid for.

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Yep. The worst one I had was one where the carrier actually went bankrupt. They left the state and it took over a year to finally get the proceeds from it as they paid out all of their debts.

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Gotten a few paid out in full that shouldn't have when adjusters kept getting fired. HO called angry. Got a supervisor, who just approved the full supplement with no questions and apologized. They were super happy with that one in the end.