new roof via insurance

3 years ago

I posted some time ago about getting the insurance company to pay for replacement for an old roof, and now all is done and paid for, by the insurance company.

I think that some roofing businesses are using this to drum up business.

We were approached by one of these hard sell roofing companies and that is how we knew about this in the first place. But, we are so glad that we did not get involved with this particular roofing company and, instead just simply filed a claim directly to the insurance company.

They sent an adjuster out with his drone and we had the whole process going in about two days.

We chose our own roofer, preferring to use the one that we had used before.

Our roof was 22 years old! I would have never thought!

I am not without suspicion that some are manipulating something, somewhere and that someone is making a big score, somewhere with some of this.

But we went directly through the insurance company and it was the decision of thier adjuster. No one forced them to pay.

With the aggressive roofer salesman who first came to our door bringing this news, I was convinced that someone along the way was making some not so honest bucks from it.

But, we just filed and they paid. We are so glad that we just did it on our own and did not get mixed up with this one company that seemed more intent on being part of some deal rather that with the quality of the work or the product used. We felt targeted.

I have done sales work before and I could see that he was a bit slick and just promised too much.

When we asked for a proposal quote from him on the cost of the work, he seemed to just drop us. He was more about engaging us in his scheme, what ever it was.

Our son in Florida just had the same deal, but his roof was extraordinarily higher cost than ours in Maryland. All of his neighbors were doing the same, according to him. But the cost was so very high! I am not convinced that someone is not making a bundle from this. Our son went through one of those sales people that knocked on the door.

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Comments (8)

lucillle
3 years ago
You were very wise to not quickly agree to a hard sell and instead get your insurance company involved and use a company you knew. As far as the insurance company paying for an older roof, that seems perfectly acceptable, if they wanted to change their insurance pricing to reflect the age of a roof they would have done so prior. And it is in the interests of an insurance company that your roof be good and not leak and cause interior water damage.
ritamay91710
3 years ago
Wait, I'm confused. Your insurance company paid for a new roof to be put on your house?
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Annie Deighnaugh
3 years ago
I don't understand how that happened...unless it was storm damaged...and I wonder what's going to happen to your premiums...
lucillle
3 years ago
This thread is a continuation of an older thread: https://www.gardenweb.com/discussions/6338061/insurance-pays-for-old-roof-to-be-replaced#n=57
chisue
3 years ago
last modified: 3 years ago
Thanks for the follow-up. I was thinking of your post this past week when we had ice-cube-size hail. Our roof is about the same age as yours was. I didn't think we'd get anywhere filing an insuranc claim, but maybe... Do you know how they jusdged the damage? I honestly don't SEE anything that looks different about our roof. It's a 10/12 slant and the (asphalt) shingles have only recently started to look a 'smooth' to me.

We have a 1% reduction in coverage to save on premiums, so we'd still be paying a considerable amount out of pocket.
morz8 - Washington Coast
3 years ago
Thank for the update, and I'm so glad it worked out for you. Roofs are a sizeable expense. Mine is reaching the end of its iifespan and its cedar - which probably wouldn't be affordable now and that's if there was a quality product someplace that would please DH. Really good cedar isn't as easy to find as it once was.

My own wouldn't be considered storm damaged, it's simply aged. Like many of us ;)
Bluebell66
3 years ago
I'm glad it worked out for you and that you did your research. We had our roof replace a few years ago after someone knocked on our door out of the blue to say there had been significant enough hail in the area to cause damage and could he check out our roof. Fortunately, he was not hard sell at all - had he been, we wouldn't have spoken with him. He took pics while up there so we could see the damage (it definitely was our roof in the pics.) We got a quote from that guy, plus two others, and ended up going with the original company. The insurance adjuster came out and went up on the roof with the roofing guy and confirmed the damage. After paying our deductible, we had a brand new roof using quality materials with a great warranty. No scam.
claudia valentine
Original Author
3 years ago
yes. our roof was 22 years old and we knew that it was worn and needing to be replaced, but never dreamed that the insurance would pay for it!

They sent out an adjuster with a drone .It took him about half an hour to do his thing and we got the approval that afternoon. In a couple of days time, we had the first part of the reimbursement in the bank. We hired a roofer that we had used before. It took about a month to get it scheduled, done and paid for.

I dont think that there was any real storm damage that could be identified as having happened on any one day, but it was on the down slide.

That first person with the hard sell really set off warning flags for me. And that person declared that only a few insurance companies did this. I have no idea if that is actually true or not. All I know is from the perspective of a home owner.

Our latest scheduled bill from the insurance company did not reflect a rise in premium payments, but we will see what happens.

It probably is in the interest of the company to prevent wider damage from a leaking roof, but this is sure a surprise to me.

new roof via insurance

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lucillle

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new roof via insurance

Comments (8)

lucillle

ritamay91710

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