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WOW $11,000 for a new roof? We just got ours redone and it was less than $7,000!
Depends on the roof type especailly the pitch and the compilcation from valleys types. The new greater pitch and complicated decorative roofs cost alot more with same materials.Also insurance companies have a very complicated program that takes into account your roof type ;complication and your area rates for a good job.Even material cost are uopdate constantly.Anything much cheaper may indicate the materials are not as good or the underlayment is different.It is not uncommon for them to deal with teh insurer as they maybe able to point out thigns that a ajuster may not ahve sen. many top roofers like to do thsi but they will give you a job specs.But he should give you a copy of waht exactly he is going to do and you can compare to other estimates.
1- the adjuster uses the prices from your area no matter where they are from.
2- most insurance companies will attempt to work with your contractor as a courtesy to you the customer and only with your permission. A contractor can't negotiate a claim for you. Only a Licensed Public Adjuster can with a signed contract.
3- just remember "making money" off an insurance company costs everyone money. So, if your premium goes up...
4- most insurance companies will only issue the check to the isured. In some instances they will issue the contractor as an additional payee with the mortgage company.
5-the choice is yours on who you use to do the work. I would suggest checking with the local BBB. Many folks show up after a storm but, where will they be in a year if you have a problem?
6-do not pay anything until the work is completed and you are satisfied.
I agree . The insurance company is listing whatt they expect done and what a good roofer will cost.If you cut cost by not replacing vents use poorer grade shingles etc you probably will regret going cheaper.A good roofer might find other things the adjuster did not catch and should be wiling to talk to the insurance company and explain and show the adjuster if needed.Adjusters vary in competence also ;so a good trusted roofing company is worth the price.I had my roof replaced two years ago from damage and the adjuster missed several things that the roofer caught. The insurnace comapny sent out a roofing specailist adjuster and he agreed with the roofer.The insurance comapny payed the extra cost as I had replacement insurance.
1- the adjuster uses the prices from your area no matter where they are from.
2- most insurance companies will attempt to work with your contractor as a courtesy to you the customer and only with your permission. A contractor can't negotiate a claim for you. Only a Licensed Public Adjuster can with a signed contract.
3- just remember "making money" off an insurance company costs everyone money. So, if your premium goes up...
4- most insurance companies will only issue the check to the isured. In some instances they will issue the contractor as an additional payee with the mortgage company.
5-the choice is yours on who you use to do the work. I would suggest checking with the local BBB. Many folks show up after a storm but, where will they be in a year if you have a problem?
6-do not pay anything until the work is completed and you are satisfied.
Good luck.
Just a comment on your #5--the BBB is a good organization however one thing most people don't know is that if you are filing a lawsuit against a company you cannot file a grievance with the BBB. A company could have 100 lawsuits and a good standing with the BBB. Your best reference source would be your state contractors bureau. They will have all the up to date information on contractors in your area. If they have never heard of them, run away FAST from that roofer.
With a well driller talk to your heath department. File a FOA form and look in their files. There was a man in Michigan lost seven different licenses, under different names. Not one complaint to BBB. Ask the driller for a reference of a job that he had to go back on. We all have them, if not he is either inexperienced or a liar.
6-do not pay anything until the work is completed and you are satisfied.
Good luck.
Absolutely horrible advice. Lots of luck getting anybody at all. They are roofers not banks. Most contractors work with a formula of like 1/3-1/3-1/3. 1/3 at contract signing, 1/3 at start of work, 1/3 at completion of job. Roofers might go 1/2 - 1/2. The up front money is to pay for materials. Most contractors are honest dudes making a living, you do not exactly get rich.
Most peeps don't have a clue what actually goes into pricing out any roofing job. Two contractors can differ in price for all sorts of reasons on the same house. There is such a thing as a bad customer. Some jobs you never want, either never bid at all or bid very high. The one area few peeps also understand is this idea of getting lots of bids. There is such a things as the jobs to quotes ratio. You don't last long as a contractor if that gets too high. The best contractors will run pretty much 1:1 or 1:2.
A good roofer will get a lot of work by putting up a sign at the present job, lots of word of mouth referrals, repeat customers, it is all about bagging every job you quote. If your prices get well out of line with what the market will bear it can get very quiet quick.
I do not take any money until the job is done. Most of the time I pay for the permit and meet with the heath department. Never had a problem getting my money. On new construction it is a little slow at times because of limited draws on loans.
It must depend on State Contractor Regs... In CA... contractors are only permitted a small amount prior to work commencement... progress payments are allowed.
Keep in mind that you are being covered for "replacement cost" not what you paid. That vacuum could have very well cost $75 in the store, not on sale. The same goes in reverse, if you bought a new flat screen TV 4 years ago and paid $1500 and that same TV now costs $800, you will get $800 for the tv. The whole idea is to put you back to where you were before the loss, not to make money off of it. If you chose to keep the money and not replace things, that is up to you. It works out to the same in the end as far as the insurance companies go--you don't have a new vacuum any longer but you do have the replacement value of $75 for that--same difference.
Actually it was a repair cost. The only things they directly replaced were perishable items. For everything else, they just paid for a cleaning and gave me the original item back. I don't know if it was just because this was a renter's policy, or if this is standard procedure if the property isn't actually destroyed.
Absolutely horrible advice. Lots of luck getting anybody at all. They are roofers not banks. Most contractors work with a formula of like 1/3-1/3-1/3. 1/3 at contract signing, 1/3 at start of work, 1/3 at completion of job. Roofers might go 1/2 - 1/2. The up front money is to pay for materials. Most contractors are honest dudes making a living, you do not exactly get rich.
Most peeps don't have a clue what actually goes into pricing out any roofing job. Two contractors can differ in price for all sorts of reasons on the same house. There is such a thing as a bad customer. Some jobs you never want, either never bid at all or bid very high. The one area few peeps also understand is this idea of getting lots of bids. There is such a things as the jobs to quotes ratio. You don't last long as a contractor if that gets too high. The best contractors will run pretty much 1:1 or 1:2.
A good roofer will get a lot of work by putting up a sign at the present job, lots of word of mouth referrals, repeat customers, it is all about bagging every job you quote. If your prices get well out of line with what the market will bear it can get very quiet quick.
All I can say is tell that to all the people that pay upfront and never ever get the work. A good contractor should not ask you to pay them before they do the work.
Just telling you what I know to be true. If they want the material cost, ask them for the invoice and give them that. But, really a roof takes a day or two at the most. So it is not like they are waiting months to get paid.
You should never pay for the job before it is completed.
I agree there are lots of good contractors out there. There are also a lot of not so great people out there. Just protect yourself.
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