Roof damage and insurance ?

[MrsWeaver09]

Originally Posted by 01Snake

Please enlighten me as to how one becomes a "professional roofing insurance restoration specialist"? I'd love to hear it.



Wow! Thats a bold statement. An insurance company will pay you the going rate to replace the roof. Insurance companies are not in the business of overpaying claims. The carrier will pay what they owe and nothing more. Having a "professional" roofing SALESMAN isn't going change that fact.

Well, there's different training and certification that someone could complete to have enough education to be a "insurance restoration specialist" I do not agree with contractors using this statement however because there's no class(that I'm aware of) where a contractor walks away with a certificate stating they're a "professional roofing insurance restoration specialist".

I work at a roofing company and we see missing items from claims ALL THE TIME!!! So, our company says "Hey I have pictures that show the ac is damaged and needs to be combed." We send in the pictures and BAM there's more money to pay for the ac combing because they did owe more than they initially paid out. That's just a small thing. Also, insurance companies will often only pay for partial repairs because the roof is not damaged enough to warrant a full replacement. Some times, not always, but there is times when we cannot match the old shingles on the house, BAM NEW ROOF FOR OUR CUSTOMER (as long as it's in their policy that they get something to match). That's why it IS important to have someone else there that isn't with your insurance company, an extra set of eyes.

[Finger Laker]

restoration contractors do exist and do frequently work with insurance companies .... these are typically multi-trade type contractors that have expertise in certain types of damage

There are some that would specialize further to any single element like roofing ... especially since roofing is a very specialized skill, some restoration contractors want nothing to do with anything related to the roof as it adds to much exposure to them .... that will either be a separate contract or sub-contract

Focus is usually more on heavily damaged properties due to water damage, fire damage, etc ..... however, you can have some restoration on typically losses as well

As for hiring a company that will leverage the insurance company or a certain contractors that "specializes" in insurance claims - I wouldn't necessarily see much benefit in that.

Insurance companies see thousands of claims and have a really good feel for what should be in place. In most instances you can work out a favorable deal with good communication. Sometimes you do need to get an independent contractor in there to take a look and provide information to the adjuster. Basically need to connect a line to covered damage from a covered damage causing event .... from there it's a matter of valuation based on the terms on the policy

[gentlearts]

An adjuster will come out and determine whether you need a repair, or an entire new roof. Most of the time they will pop for an entire new roof.
My BIL had hail damage to his roof. The insurance company sent him a check for a repair. He disputed it, so then, they sent him a check for the whole roof. Fortunately for him, they never asked him to return the original check, so he made a bunch of money.

[bc7458]

my mom and dad have a roof on their mobile home that has several leaks a roofing contractor said the roof would not last another winter but the insurance company said it was normal wear and tear so they will not cover it what can my parents do

[golfgal]

Originally Posted by bc7458

my mom and dad have a roof on their mobile home that has several leaks a roofing contractor said the roof would not last another winter but the insurance company said it was normal wear and tear so they will not cover it what can my parents do

Call a contractor and put a new roof on? It's part of owning a home, any home. Sometimes you have to just pay for repairs. Insurance doesn't cover general upkeep of a home.