Cool. 40% off the total bill? That's huge.

On Sat, Apr 14, 2018, 3:48 AM Dan Penoff via Mercedes <mercedes@okiebenz.com>
wrote:

> 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 costs.
>
> 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 40%,
> too.
>
> -D
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