U.S. CitiesCity-Data Forum Index
Go Back   City-Data Forum > U.S. Forums > Texas > Dallas
 [Register]
Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
View detailed profile (Advanced) or search
site with Google Custom Search

Search Forums  (Advanced)
 
Old 01-17-2015, 01:24 PM
 
Location: Wylie, Texas
1,545 posts, read 2,291,722 times
Reputation: 2345

Advertisements

OK so I get a knock on the door this afternoon. This guy who works for a roof repair company says he just finished inspecting a neighbor's roof and found damage from a hail storm we had back in October. He asks if he can do a "complimentary" roof inspection for me. I say ok. After inspecting, he shows me pictures he took of the roof, showing quite a bit of damage from the hailstorm. He says that since my roof is close to 10 years old and with the hail damage, I would qualify for a total roof replacement from my insurance company. He says that the deal is, he will call up the insurance company with me, have them send out their inspectors and be there to prevent them from trying to wiggle out of replacing the roof (he says its common for them to try and claim "wear and tear" as opposed to actual damage). The only thing he wants in return is the work to do the roof replacement.

Is this on the up and up? is he leaving out something? He says since insurance pays for it I shouldn't be on the hook for anything. True or false?

Thanks guys.
Reply With Quote Quick reply to this message

 
Old 01-17-2015, 01:52 PM
 
11,672 posts, read 21,240,989 times
Reputation: 10062
No catch. We got a free roof (minus our deductible) a few years ago after a baseball sized hailstorm. Do you remember the hail storm he's referring to? We started the process within a week or two of our hailstorm; it might be a little suspect to be doing this 3 months later.....

What you need to be very careful with is to pick a quality roofer as many are not. I'd check Angie's List, BBB, neighbors, etc and also get a few roofers' opinions before proceeding.
Reply With Quote Quick reply to this message
 
Old 01-17-2015, 01:59 PM
 
Location: Austin
7,077 posts, read 16,893,484 times
Reputation: 9484
This is on the up and up, except he's forgetting to mention that you have a deductible for replacement. Many people have a $1000 deductible. Others have a 1% deductible. You need to look at your policy to see what it is.

Some roofing companies will actually credit you back part of your deductible for allowing them to have a sign in your yard marketing them. They don't usually "offer" that, but just ask.
Reply With Quote Quick reply to this message
 
Old 01-17-2015, 04:51 PM
 
Location: DFW - Coppell / Las Colinas
29,926 posts, read 34,535,636 times
Reputation: 35921
Didn't you just purchase? I'd guess your Inspector would have caught the damage if it exists.

I'd get a 2nd opinion. He does sound like a scam.
Reply With Quote Quick reply to this message
 
Old 01-17-2015, 05:09 PM
 
Location: Austin
7,077 posts, read 16,893,484 times
Reputation: 9484
You just purchased and your own inspector didn't catch hail damage? You really need to give full stories when you ask questions like this... If your inspector didn't see anything, then it's probably fine and this guy is a scam. However, in regular circumstances, this happens a lot as most people don't go up on their roof after a storm and have no clue about what's up there, muchless what to look for as hail damage.
Reply With Quote Quick reply to this message
 
Old 01-17-2015, 05:18 PM
 
Location: North Texas
23,599 posts, read 31,152,740 times
Reputation: 26663
Quote:
Originally Posted by Rakin View Post
Didn't you just purchase? I'd guess your Inspector would have caught the damage if it exists.

I'd get a 2nd opinion. He does sound like a scam.
It sounded like a scam to me when I read it the first time; I've heard countless horror stories that started out just like this. I don't go up on my roof after hail storms but I do walk around the property and check for damage. I have a hip roof so I can see a lot of it from the ground. Not all, but a good percentage! I also check what I can see in the attic from the inside.

Hail hits do have a pretty distinctive appearance (to me at least) that isn't the same as wind damage or ordinary wear and tear. If I was concerned, I'd get a recommendation for a trusted roofer to take a look. And obviously if my roof sprung a leak, that'd be a really good clue.
Reply With Quote Quick reply to this message
 
Old 01-17-2015, 05:35 PM
 
Location: Wylie, Texas
1,545 posts, read 2,291,722 times
Reputation: 2345
No I purchased 2 years ago, no damage then. We DID have a hail storm late last year. I didn't think to go on the roof to inspect for damage. We have no leaks so I didn't think there was a problem. He did mention getting $500 off if we put a sign up in our yard.
Reply With Quote Quick reply to this message
 
Old 01-17-2015, 06:56 PM
 
Location: Dallas, TX
2,346 posts, read 5,793,717 times
Reputation: 2284
I'd still be wary of a scam, for the following reasons:

A couple of months back, I had a fairly serious roof leak. After filtering the scammers and hustlers by online reviews, it still took 8-10 calls to a half-dozen roofers to finally get someone to take on the job. Most of these guys were backed up by several weeks. I was told that was because most of their crews were off until spring.

So the idea that a legitimate roofer will come to you looking for more work, in January? Possible, but that wasn't my experience.

There's also a not-uncommon grey area between scammer and totally legit. This is where you might get a guy who will file your insurance paperwork. Once he has the money secured, THEN he will go out and sub-contract the actual work to a real company. (Or maybe pick up a half-dozen untested day laborers to do it under his "supervision".)

Finally, the line "I was doing work on your neighbor's (lawn, roof, driveway, plumbing, etc.).." is pretty common for guys who are, in reality, just door-knocking an entire neighborhood. Might want to ask about what neighbor this was, and see if you get a legit answer.

I think you'd have better results by actively finding the roofer yourself.

Last edited by Big G; 01-17-2015 at 07:05 PM..
Reply With Quote Quick reply to this message
 
Old 01-17-2015, 07:33 PM
 
356 posts, read 251,151 times
Reputation: 799
I had something similar happen at my home. I heard something on top of the roof of my house, then a few minutes later the doorbell rang. It was a roofer who had put a ladder on the side of my house, crawled on the roof of my 2 story house. He came into my yard without my permission, he got on the roof of my home without my permission. He then came to my front door and told me what a piece of crap my four year old roof was and tried to get me to sign a document right then and there for roof repair. I told him no, let me call my insurance company and I will get back to you. I called my insurance company and a roofing company who had repaired the flashing around my hot water vent. Both companies said nothing was wrong with my roof. So when the roofer came back a week later to find out if I was going to get my damaged roof repaired by his company. I sent him on their way. And get this, the jerk was my neighbor who ran a roofing company who had two different company names in 5 years. We had only had one conversation before the roof incident.

Just make sure to get a roofing company of your choice to do the inspection, and have your insurance agent claims adjuster do an inspection. Then you can make an informed decision without feeling pressure from a stranger who knocked at your door.
Reply With Quote Quick reply to this message
 
Old 01-18-2015, 02:05 AM
 
151 posts, read 163,288 times
Reputation: 167
Quote:
Originally Posted by biafra4life View Post
He says that the deal is, he will call up the insurance company with me, have them send out their inspectors and be there to prevent them from trying to wiggle out of replacing the roof (he says its common for them to try and claim "wear and tear" as opposed to actual damage). The only thing he wants in return is the work to do the roof replacement.
All this "he says" and "he wants" stuff.

I was approached by a sales drone for a storm-chasing roofing company. The drone took pictures, didn't find much damage, and even admitted it to me. During the visit, he gave me a single sheet of paper with some company BS on it, and a single line with a check box: "I agree that [the ABC company] shall do all the work." Sure, I checked the box. After all, there was no consideration, no definition of "all the work", there was no contract, and I had no intention of having them do anything.

The obvious scam was: they get people to check the box. Later, if an insurer agrees to pay for the roof, them mom and pop homeowner already think they are obligated. Not so.

The storm chaser drone went away, but appeared about a week later, with a State Farm adjuster. To my great surprise, the adjuster offered to replace the roof, at a cost of > $11K bucks. She then produced a check for partial payment. The check was made out to me, the roofing company, and the lien holder.

Next day, I called State Farm and told them I did not want these guys to install my roof. I told them that I knew a local guy who was reliable, legal, bonded, insured, and that his estimate was some $1500 less. Moreover, his estimate included 30-weight felt, 50 year architectural shingle, and removal of TWO layers of roof on this 3400 foot house. The agent said that the storm chaser had been annoying her with frequent phone calls to get the work moving. So, she cut a new check, made only to me and the lien holder.

I had my local roofer do the work, which is excellent. The storm chaser was quite angry about it, and left some vulgar phone messages for me. Hey, I don't care. It's my house, I gotta live with the roof. If something happens, I know I can call the local guy and he'll be here the same day. I didn't want some transient storm chaser outfit from 50 miles away working on my house.

It's been three years, the roof looks great, no leaks.

State Farm later cancelled my policy: after 27 years of service, two houses, ten cars, three drivers, no claims. I then got a cheaper rate with Nationwide, and sent an email to the geniuses at State Farm: "Nationwide thanks you for lowering their risk!"
Reply With Quote Quick reply to this message
Please register to post and access all features of our very popular forum. It is free and quick. Over $68,000 in prizes has already been given out to active posters on our forum. Additional giveaways are planned.

Detailed information about all U.S. cities, counties, and zip codes on our site: City-data.com.


Reply
Please update this thread with any new information or opinions. This open thread is still read by thousands of people, so we encourage all additional points of view.

Quick Reply
Message:


Options
X
Data:
Loading data...
Based on 2000-2016 data
Loading data...

123
Hide US histogram

Over $104,000 in prizes was already given out to active posters on our forum and additional giveaways are planned!

Go Back   City-Data Forum > U.S. Forums > Texas > Dallas
View detailed profiles of:
Follow City-Data.com founder on our Forum or

All times are GMT -6.

2005-2018, Advameg, Inc.

City-Data.com - Archive 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35 - Top