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Question DetailsAsked on 5/31/2011

Does anyone have any suggestions of what questions to ask or what to look for in a roofer?

We are getting ready to have quotes done. We chose the three to get quotes from via Angie's list. Does the estimate include the labor to fix the drywall in the catherderal ceiling? It would be hard for us to fix this ourselves. Should I have someone else come out to give an estimate on that? Wll the insurance pay for the repair on the inside to? We have not made a claim before and are novices at all this. Thanks for your help!

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4 Answers

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If five people reply, you are likely to get at least five different answers. Nitty-gritty answers vary depending on the insurance company you have and the roof contractor(s) you get an estimate from.

If you have ceiling damage (wet or water stained) due to roof damage, it is likely covered but not necessarily cared for by your roof contractor. You will need to ask them - - and your insurance company as well to be sure they know you have damage inside resulting from the covered damage outside. And, don't forget the insulation between the roof and the ceiling.

Have you spoken with your agent and/or the company's adjuster?

You are going to need to demonstrate to the insurance company what the complete loss is. If it is roof-related, you will also want to show them an estimate to care for insulation that got or is still wet and needing replacement as well as the drywall that probably shows a stain from moisture. If the roof folks do not get into the insulation and drywall piece, you will need to get an estimate from another company to go with the roof.

Some will tell you that you only need to seal the stain with something like Killz then put paint over that...others will tell you that the soaking has weakened the drywall and a sheet or partial sheet should be replaced along with the insulation above and near the stain. It really takes someone who knows their stuff and will stand behind the result if you take their opinion.

If you get to the point of needing another quote to cover the inside, consider a general contractor who will have or hire the various skills necessary to do the whole job.

I don't want to make it sound complicated, merely to make sure you cover your bases with the least risk of overlooking something since it is your first time dealing with a homeowners' claim.

Most insurance companies really do want to get you fixed and happy again but once you say "that's the whole of it" and take a check, they tend to want to keep the file closed. If you assume that one company will care for something and they don't, it really takes a great insurance company to open the file again and agree to more of a loss so it's up to you to be as complete and thorough as you can be.

Help any?

Good Luck!

Answered 7 years ago by Old Grouch

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Excellent advice, Grouch.


Answered 7 years ago by fuzzybunnies

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Here is how insurance works for roofs


If the damage on the roof was a result of an impact or wind, the resulting damage interior and exterior is covered


if the damage has occurred thru a failure to fix a leak tha has occurred many times it is a maintenance issue and will be denied

Answered 7 years ago by Onlythebestbuilder

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Votes

How about some questions? On the contract, write the comments into the empty space near the end of a contract. Mention that these comments are warranties. (Warranties are stronger in court than simple representations.)


1) What trade publications do you subscribe to? Roofing is a profession. They have trade publications. If the person is not learning, then he may not have twenty years experience, but one year of experience twenty times. Professionals learn.


2) What, and how long ago, did you attend your last roofing (or construction trade) convention?


3) Will you be doing the work?


4) How long have you been roofing? [Twenty years? If I look in a twenty year old phone book, will you be listed? This, not incidentally, is why you should save old phone books in your garage: You can pick up the oldest phone book and start calling roofers. If the number is disconnected, of what value is their guarantee?]


5) Are you licensed?


6) Are you bonded?


7) Are you registered to vote? [This allows you to guess at a minimal level of civic conduct. It also provied you with the home address if his company folds after you pay him. If he leaves town before the next rain, you have little recourse. See if he is registered as a local.]



There are other questions, but this is sufficient to eliminate some undesirable 'contractors' operating under someone else's license number.

Answered 7 years ago by ProfessorWonderful




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