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Question DetailsAsked on 9/13/2017

Signed agreement for roofer to work w/ins co. No prices- after reading looks like I have to use them? Anyoptions?

Was told by roofer agreement was for them to be able to work with the insurance company and be here for the inspection. No prices were listed but after reading the entire form it looks like I have to use them. I have no idea
if their prices are competitive or if I will get the most for my money. The insurance company approved a new roof. How do I maximize this roofing company if I am stuck with them? I do not want to get addl estimates if its just a waste of time to these other companies. Any suggestions?

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Ugggghhh - ANOTHER signing without reading. Come on people - don't sign without reading, and generally don't sign without thinking about it for at least a day too.


Here are a few links to similar roofing agreement issues (especially "Storm Chaser"contracts) - more can be found scattered in the Home > Roofing link under Browse Projects, at lower left:


http://answers.angieslist.com/Is-norm...


http://answers.angieslist.com/Can-com...


http://answers.angieslist.com/Does-in...


As for the agreement - read ALL the agreement including the fine print, and see if it has the elements of a contract listed in the above links - might or might not be a legal contract, and may or may not have an enforceable bail-out fee.


As for "maximizing" the work from the company - usually these type of contracts say they will accept what the insurance company pay, plus your deductible and any amortization percentage, as applicable - so in that case unlikely to get a "better" price unless another contractor could convince the claims adjuster that more needs replacing at insurance company cost. Generally speaking, in most if not all states, if the job does not cost what the insurance comapny agreed to, you have to return the excess to them - you are generally not allowed to "come out ahead" on the deal or have it pay for things not included in the original adjusted claim payment - that is insurance fraud in most areas. The intent is that the insurance (subject to deductible and any amortization/depreciation offset) "makes you whole" - pays for the repair/replacement of the damage but you do not come out "winning" - the intent is to put you back to where you were before the damage.

Answered 1 year ago by LCD




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