07 Mar WHAT ROOFING CONTRACTORS DON’T WANT YOU TO KNOW ABOUT YOUR INURANCE CLAIM
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A Message from the Owner:
Hello neighbors, I am a local hands on roof installer from Fort Worth Texas. I have spent my entire life at a roofing job site, from 6:00 am to dark, five to six days a week, since the age of 15.
I started from the bottom of this business as a grounds cleaner and shingle carrier. Working my way up to installation apprentice and ultimately, lead installer by age 20.
Fast forward 25 years later, I am now one of the highest rated roofing companies in DFW. Still running my own 12 man crews and leading from the front today.
I published this ad in an effort to get your attention and come to you with hat in hand, asking your consideration.
Over the last 30 years, storm chasers, sales people and restoration companies have nearly ruined the roofing business for real roofers.
In the old days, when someone needed a roofer, they flipped to a yellow page ad, called a local roof installer and asked for an estimate. Then, what showed up to your home was an actual roof installer with an honest price.
Today, the roofing market is now over run with middlemen and storm restoration companies, calling themselves roofers, in hopes of taking over your insurance claim.
They’re not waiting around for you to do your own research or find your own roofer. They’re knocking on your doors, calling you, emailing and passing out flyers, in an all out gold rush to scoop up your claims money.
This aggressive sales method eventually changed the way homeowners found and hired local roofers, never giving us a chance to bid your job. For this reason, we are humbly asking that you please consider supporting small businesses for your home repair needs, instead of the expensive middleman companies.
If you are in need of roofing services, allow us an opportunity to send you a written estimate for comparison. If you are in need of other home services besides roofing, we know other local handymen from your area that are just like us. Honest installers with great pricing. We are the same people the restoration companies and storm chasers are hiring anyway. Why not cut out the middleman.
We are confident, if given the chance to show you how we are different, you will get much more out of your home improvement dollars. Helping us bring the roofing business, back into the hands of actual roof installers, one customer at a time.
However, even if you do not hire us, we have provided a list of tips, tricks and scam warnings below, all sent to us directly from homeowners, who unfortunately learned these lessons the hard way.
Following their recommendations should put you on track to avoiding the insurance scams and over charges, getting you the most out of your money, no matter who you hire.
DFW Gold Rush:
The Dallas Fort Worth area is now crawling with thousands of self-pro-claimed roofing experts and general contractors.
Most of whom are really only commission sales people in disguise or middleman contractors, hoping to cash in on all your insurance money.
They are not always crooks, stealing the money and disappearing either.
The majority of complaints reported are actually against local DFW contractors. Friends, family and neighbors of your area who are going from their couch, to your door, every storm season, getting rich off your insurance claim.
Who’s At Fault:
Homeowners! Homeowners are actually doing this to themselves.
The average homeowner simply has no idea how insurance claims work, feel they do not have the time or desire to mess with it or feel their insurance company will take advantage of them.
So, out of fear, laziness or lack of time in the day, many are agreeing to hand over their entire insurance claim to a contractor.
This is a huge mistake. You are better off throwing your money right out the front door.
It is this fear and lack of knowledge that contractors are using against you, in hopes you will just give in and let them handle everything for you.
Although they want you to believe otherwise, contractors have absolutely no say over the approval or denial of your claim and you do not need a contractor handling your claim for you!
The truth: They simply want to be present with your adjuster, so if your claim is approved, you will feel obligated to hire them.
BOOM! Congratulations! You just gave away all of your insurance money!
Welcome to the storm game! This is why contractors are beating on your door and ringing your phone off the hook.
There are millions of dollars being thrown around after hail storms and contractors want it all.
Although it may sound like a great deal to just hand everything over to someone else and let them deal with it all. The downside is you immediately give away your entire insurance budget, without ever knowing what the true costs are.
Get Something For Your Money:
When you file an insurance claim for roof damage, you are being given an opportunity to look into some great upgrades, while you have the funds to do it. Put your insurance check in the bank and see how much you can get out of it by gathering a few estimates.
The right shingle and attic venting combo could actually work to save you money, putting money back in your pocket, for years to come.
Real roof installers can typically take your money much further than large storm restoration companies. Perhaps an upgrade to a Class 4 Impact resistant roof with 30% off your monthly/yearly insurance premiums? Or a few new attic solar fans or ridge venting for a reduction in attic heat build up.
The more employees taking money out of your budget, the less money that’s going into your roof.
Watch Your Money:
Avoid contractors that mention handling your claim or that refuse to bid your project. That is a middleman company that makes money on top of your claim.
Demand written estimates and compare them closely. Written estimates will speak volumes as to what kind of contractor you are dealing with. Choose from thorough, well written estimates, explaining everything that will take place at your home, with a firm price you are to be charged upon completion.
Vague or cookie cutter one page contracts are usually a sign that you are not dealing with an experienced roof installer, with your best interest in mind.
It’s your insurance money! It has been you paying the premiums each month/year.
Why give it all away?!
Demand written estimates and get more for your money!
*Looking for a second opinion? Want to see what a real roof estimate looks like?
Give us a call or fill out our contact page. We could have an honest estimate in your hands within one business day.
Thousands of customers reported feeling uncomfortable or that something just wasn’t quite right about roofers or contractors before stumbling across our website.
Out of the thousands of stories and complaints received, there were three obvious and cannot miss red flags that stood out most. Being aware of the waring signs should immediately let you know if you are about to fall victim to an insurance claim scam.
(1) *Contractors Who Show Up Uninvited:
Real roof installers are busy working. We don’t knock doors or make cold calls claiming to be in your area offering free roof inspections.
Nearly all of the local news outlets in Dallas Fort Worth have aired numerous news stories actually exposing these individuals to being nothing more then marketing agencies or commission sales teams, tasked with getting you to say “YES” to a “free roof inspection”.
Their next goal is to then convince you to tarp the roof and file an insurance claim so they can handle everything on your behalf.
This is actually a very sneaky middleman sales trick.
By being first to approach you, convincing you that insurance claims are hard and that time is of the essence, they corner unsuspecting homeowners into immediately hiring them to take over the entire insurance claim.
This allows them to cut out the real roof installers from your area who are busy working, waiting on you to call them for an honest estimate.
“Never sign anything or agree to hire anyone without a second opinion for a detailed comparison.”
(2) *Contractors asking to see your insurance papers or to meet with your insurance company:
Contractors that do this should be asked to leave your property immediately. Besides this being the absolute laziest way to bid your job, why would you trust someone that just tried to ensure they took ALL of your insurance budget, instead of giving you a written estimate of their own?
They are attempting to see how much you’re being paid by your insurance company!
Keep contractors honest and get more out of your money.
(3) *Contractors Who Request Money Upfront
This is a Biggy. No contractor should ever expect for a homeowner to pay any money upfront in the world that we live in today.
If they cannot understand your reluctance, hire someone else. Trust your gut.
Never, for any reason, pay a roofing contractor a deposit or any money down.
Paying a contractor a deposit or any money upfront puts you at an immediate disadvantage in several very impactful ways.
Aside from the obvious disappearing with the money issue, the second biggest reason, you immediately give up all control of your own job at your own house.
This means you will no longer have the ability to fire the contractor at any time, for any reason. The person holding the money, has all the control.
After paying a deposit, most homeowners reported feeling trapped, forced or obligated to continue forward with the contractor, even when they felt they should fire them or were no longer comfortable with the job.
We receive between 15 to 30 calls a year from homeowners who were forced to stop a reroof in progress at their homes because their contractor was not delivering on the promises that were made.
“The contractor was not performing the job as promised.”
“Crews were sloppy and damaging our landscaping and garage doors.”
“We could immediately tell that the crew was incompetent and doing a very poor job.”
“They were damaging our sprinkler heads and landscaping before any work was even started.”
“The materials that showed up were used and not brand new or were not what we asked for.”
“Were not insured as promised.”
Put Their Money Where Their Mouth Is!
As a homeowner, you should always want your contractor to be 100% invested in your project. Not just with their time but financially as well.
This will ensure they hold up their end of the deal. Starting the job in a timely manner, providing the good crews they promised, doing those extras they promised, stressing on perfection, etc.
You’ll find that contractors are far more eager to follow through on all their promises, when all their money is riding on it.
When you pay a contractor upfront, it relives them of this important motivator.
To protect our customers, HonestRoof.com requires no money down until all work is 100% complete and you are 100% satisfied.
Honest Roofers Near You
Seeing the early warning signs and following your fellow neighbors advice will prevent the headaches and keep you away from scammers and middlemen, ensuring you are getting the most out of your home improvement dollars.
Looking for a second opinion? Want to see what a real roof estimate looks like? Give us a call or fill out our contact page. We could have an honest estimate in your hands within one business day.
Now that you are fully aware of the dangers and disadvantages of handing your entire insurance claim over to a contractor, you are now ready to move on to the next step of the insurance claims process. Check out our next blog for step two.
Roof inspections, possible tarp repairs and written estimates.