On April 14, 2018 6:48:20 AM EDT, Dan Penoff via Mercedes
>A month or so ago we were having a get together for the mother in law’s
>80th birthday. Wife is leaning back on the couch in the family room
>and notices a stain on the ceiling Dang. Roof leak.
>We had just had some really violent storms blow through, so we figured
>they were the cause of the leak. Our house is just about 20 years old,
>so we knew it was close to new roof time. We were hoping it would be
>another year or two before we had to replace the roof, but this looked
>like it was going to force the matter. Darn.
>Understand that there is quite the cottage industry using software that
>closely monitors the NOAA weather radars and will use GIS to extract
>exact addresses under storm tracks and then send a compiled list of
>those addresses to subscribers (roofing companies.) These fine folks
>take that information and canvass the neighborhoods in an attempt to
>sell new roofs or repairs using the homeowner’s insurer. Basically,
>they inspect the roof, manage the claim with the insurer, and have the
>homeowner sign an AOB (assignment of benefits) so that they are paid
>directly for the work. This isn’t a bad thing necessarily, however,
>you’re now locked in to this contractor, like it or not, and they’ll
>get the proceeds of your insurance payout regardless of what the work
>Anyway, I had avoided these people despite their presence in our area.
>I checked with a couple of friends who had their roofs done recently
>and got referrals for a couple of contractors.
>One contractor came a few weeks ago, spent about 30 minutes on the
>roof, gave me a quote and said that in their opinion there was little
>to nothing to warrant an insurance claim. Bummer.
>A day later I was talking to my insurance agent about getting an
>updated quote on my homeowner’s insurance once the roof was replaced.
>By bringing the roof up to current code (hurricane requirements) I
>would get a significant discount in my homeowner’s insurance. I
>mentioned the leak and that I was getting quotes for a replacement. He
>told me I should file a claim with my insurer. After all, what’s the
>worst thing that could happen, right?
>So the following Tuesday I was working from home and had already
>scheduled another roofing contractor to come out and give me an
>estimate. The insurance adjuster said he could come the same day.
>That works for me….
>They both showed up at the same time. Not sure if this is good or bad.
>So they’re both on the roof for a good 45 minutes. The insurance
>adjuster comes down and inspects the interior of the house, checks out
>the stain on the ceiling, etc. He finishes up and leaves.
>The contractor comes down and sits down with me. He’s got a good 15
>minutes of video on his iPad showing me all of the damage and wear on
>the roof. He tells me that he spent at least 30 minutes of his time
>with the insurance adjuster showing him all the issues he found. Chalk
>marks all over the roof, lots and lots of notes, this guy was super
>thorough. He gives me a quote and heads out.
>Fast forward to Thursday of this week. I get a call from the insurance
>company. They’re going to replace the whole roof! Woo-hoo! I have to
>believe it’s due to the efforts of the contractor that went over
>everything in such detail with the insurance adjustor. You can guess
>who got the job.
>So in 2-3 weeks I’m going to have a new, hurricane rated roof at no out
>of pocket cost. Nice. And my insurance costs are going to drop about
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