Insurance work??

Chad Conner

I have done a ton of work that is hail related lately. Dealing with the insurance companies has become very frustrating. Sometimes they pay overhead and profit sometimes they don't. It's ridiculous. There does not seem to be any guidelines. Hopefully someone can help me with this. And I'm not looking for the 3 trade bs that the insurance company honors when they feel like it. I've heard of a letter written by the Texas Department of Insurance that is pretty successful in getting those to comply. So far its turned out to be a myth. Any insight would be much appreciated.

Chad

Grumpy

If this is something you intend to specialize in, get xactimate. If you can line item itemize exactly what they are missing, you can more likley get them to add it on. You can get them to pay these things if you have the time and desire to fight it out with them. I had very much the same problem as you are having and have left the insurance work behind.

When people tell me insurance is paying I tell them that insurance isn't going to cover what I am charging, that I can't install a PROPER roof for what insurance is willing to pay and be weary of someone who can. I will now only argue with the insurance company if I have a signed contract and a down payment in hand. I'm going to be paid my price regardless of what the customer gets from their insurance, after all that's a contract between the insurance company and the customer.

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-Grumpy
Chicago Gutters Chicago Roofing

ROOFMAX

the same here insurance want to pay jackleg prices . i see other posts where thay pay 300 per sq. you lucky if thay pay 150 sq, here then the home owner want the roofer to cover the dectuable. its getting where home owners wont pay for there roofs any more. thay wait for some type stom. no insurance claim no work here.the ecomney is starting to show it face here,

buildinghoperoofing

i'm new to this business do the customers have to pay the deductible if its a storm damage? And what all qualifies as storm damage? Does high winds if if it caused damages qualify as storm damage?

Grumpy

My contract is with the customer. Where they get the money from I do not care. If they want my assistance in getting money I am happy to help, but first require a signed contract with down payment. I'll get a loan app from my bank if they need a loan. If they are fighting with their insurance I will be happy to review their measurements and pricing, but the bottom line is what the insurance company is paying my customer has nothing to do with the roof I am installing.


Hail is the big boy of roof damage BHR. Why? Well because it affects elevations. Where as wind damge typically will only affect a few shingles here and there. Obviously replacing a couple of shingles is cheaper for the insurance company than repalcing a whole roof or half a roof.


My advice is unless you know all the loop holes and intend to cheat your taxes and insurance, just stay away from the storm work. There is NO WAY to properly install a roof for what the insurance company pays and turna profit, unless you lie cheat and steal.

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-Grumpy
Chicago Gutters Chicago Roofing

buildinghoperoofing

but if a wind tore a branch and punctured the roof and later snow comes, melts and they discover a leak that doesn't qualify?

Grumpy

If it's caught within 1 year it will typically qualify. But a repair like that will likely cost less than the $1,000 deductable. No?

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-Grumpy
Chicago Gutters Chicago Roofing

Custom Creations Inc

Well this isn't how I wanted to make my first impression on here but I think you are way out of line Grumpy, to say that a company who does storm work is a bunch of tax and insurance cheats is . We have done VERY well in the storm damage business and have not lied or cheated on any taxes or insurance forms. As a matter of fact we run our business as legit as a business can be run from payroll to human resources to 401K for employees.

Again not how I wanted to make my first impression, but that post got me a little fired up.