Atlanta, GA · Member since 2016 · 18 posts · 3 votes
This our first insurance claim, so I’m not sure how this goes. Roofer is neighbors son, genuinely nice guy, want to trust him. They mentioned to us about roof damage and reminded us about the shingles that flew off during Hurricane Irma. Suggested we call insurance.
Adjuster came out, issued a check for full replacement on the spot.
Roofer is asking us for the insurance settlement paperwork before giving us an estimate. Seems he’s going to base his end on the insurance paperwork.
Is this the right order? Seems to me roofer should give us an estimate independently..
Investor and CPA · Arvada, CO · Member since 2015 · 2k+ posts · 3k+ votes
8y
Correct. The insurance adjuster will have reimbursed you for the value of the roof (sometimes minus some depreciation) - depending on your coverage.
Roofer will be quoting based on replacement cost. If he can't quote you without the adjuster's paperwork, then you really don't have a roofer. You just have a neighbor's son who wants to make some money off of you. Please make sure they know code and will install correctly. My mother got clobbered by Irma. Getting a reputable roofer out was a nightmare, but worth it in the long run. Don't go fly-by-night. It rarely works out well.
Investor and CPA · Arvada, CO · Member since 2015 · 2k+ posts · 3k+ votes
8y
Correct. The insurance adjuster will have reimbursed you for the value of the roof (sometimes minus some depreciation) - depending on your coverage.
Roofer will be quoting based on replacement cost. If he can't quote you without the adjuster's paperwork, then you really don't have a roofer. You just have a neighbor's son who wants to make some money off of you. Please make sure they know code and will install correctly. My mother got clobbered by Irma. Getting a reputable roofer out was a nightmare, but worth it in the long run. Don't go fly-by-night. It rarely works out well.
Lender · San Antonio, TX · Member since 2016 · 1k+ posts · 1k+ votes
8y
@Virginia B. Call another roofer. The insurance payout is immaterial to his price to replace the roof. Seems like he thinks he can get extra $$ out of you since the insurance company already paid you. Maybe he wants to just try and make sure his bid comes in below the amount of that check, but probably not, and again, it costs what it costs, so the payout shouldn't factor in for him.
Architect · Papillion, NE · Member since 2015 · 1k+ posts · 840 votes
8y
Always get multiple quotes, like 3. Let the roofer know you will be getting multiple quotes. This doesn't mean you have to take the lowest bid. If you want to give the roofer the insurance quote make sure you cross off all prices. Quantities are fine as this will help to get to "apples to apples" comparison when looking at cost and amount of work.