Getting roof replaced through insurance...

[JonahWicky]

Originally Posted by athena53

Hiring someone who knocks on doors to solicit your business rarely ends well.

THIS! If you need a new roof, call several reputable roofers for quotes.

[mojo101]

These days the deductible is quite high,did you check your insurance policy?
so you could have the roof damaged by the storm,but you still have to pay the deductible .
Here in TX,all these roof contractors,they may be Americans ,but they will use subcontractors who hire illegal immigrants ,I watched them work on my roof,about 8 workers and most of them dont look like they have been in the country long.
If they smuggle in from Central America and get paid $75 ,thats better than standing outside Home Depot and hope someone will hire you or Arrest you

[mathjak107]

Storm deductibles can run from 5 to 10% of home value depending on area risk

[City Guy997S]

Originally Posted by mathjak107

The problem is if the insurance company drops you and you have to shop for insurance..then those dings in your insurance score can be painful..

It is like here in New York on our auto insurance the insurer can’t raise you , but they can choose to drop you .

Any un reimbursed claims on your CLUE REPORT can cost you thousands in additional charges .

Items stay on your clue report which is your insurance company equal to a credit report for 5 to 7 years not 3

Again MathJak brings reasoning into a thread!

2 big issues:

Insurance companies realize this is a scam and they are fighting back! One glitch is valuing the roof, if it has a 25 year lifespan and you call on the 23rd year they might prorate the coverage.

If you get cancelled, the increased premiums might exceed the value of the "free roof!"


I don't like the assignment of claim part of the equation. So someone knocks on the door and says want a free roof, sign here. You get a 25K roof, they submit outrageous claims on your behalf for 50-75K in damage. You cannot interfere at this point, it is their claim (on your behalf). So you get the roof and maybe they get 3X the value for the inflated claim. Ins. company now looks at YOU as someone that made a 75K claim.

[southernnaturelover]

Maybe they should start requiring the replacements be metal. No more getting new shingles every 15 years.