hail damage

[Jersey mike]

Last time I noticed was GAF Timberline dimensional shingles were about $45 a bundle…3 bundles to a square = $135.00 p/sq.

Now that’s the price of just the purchase of the shingles, not including any mark up by the contractor…I’d guess they mark them up by 2, 3 or even 4 times plus the labor expense of tear off or just a simple re-roof.

Then as well as the dumpster expense for the shingles removed from your house. Sorry I do not recall if this will or will not be a re-roof/your second roof where existing shingles are just covered over.



This doesn’t include any of the extras either like underlayment, edge trim, nails, caulk, flashings, plumbing vent covers or ice prevention guard or starter shingles or caps either.

If your contractors are ok with it (some may not want to or can’t be bothered) I’d ask for a complete breakdown of their estimates…materials cost, labor and any disposal fees and submit that to your insurance adjuster.

Now like auto repair and insurance companies…the use of secondary, lower cost materials may be all insurance companies cover. They’ll very close get the job done just not to OEM specs.

[Jack B]

I live in Wisconsin a few hours north of you last September I had my roof replaced because of age. My house is 2200 ft.² with an oversized two car garage plus an extra three car garage not attached  My bill for the roof was around $17,000. sounds like your house is much smaller. But your your estimate is close to my actual bill and I have more than double the roof that you do.
20 years ago, I had had a rental unit that received hail damage and my estimate higher was than the insurance adjuster but once I handed in the bill, they paid 100% of it.

Design and complexity of the job also play into pricing.

The design of your roof and garage may be different than his home. A simple gable roof is a fairly quick and straightforward design, pretty easy for ripoff and new installation. When there are dormers, chimneys and valleys that require additional flashing or labor that adds to the cost as well as the pitch of the roof too.

Kind of hard to compare without seeing the two.

. 
My roof is is steep. It has 3 valleys plus the dining room is has octagon roof not a simple roof to do it all.

[cookiedough]

signed the contract paid half now last night with contractor.  going to have to come up around 1K outta pocket for roof but should  be ZERO paid outta pocket roof.  Sick of dickering with a claims adjuster with Erie Insurance who's only job is to cut pennies off every little item.

When done, regardless of what the contractor sends to Erie Insurance, going to send full amount I paid over 13K for roof/gutters and tell both the claims adjuster, my insurance agent, and claims adjuster supervisor, 'see you NEVER listen to me and this is what I had to pay totally unfair and unjust being over 1K more outta pocket as I said since day one for comparable roof/gutters as what was on my house!'

If they drop me do not care will find a reputable insurance company I hope come September.  If I went with the other 3 contractors who were pushing 14K roof/gutters I would have been in arbitration forever NEVER got roof done since not blowing 2K vs. only 1K more outta pocket. 

Who knows,  maybe they will do the right thing after this all done and reimburse me in full for roof as it should be according to my insurance policy?  I doubt it, they will not care.  What pisses me off is NO contact call from either claims adjuster supervisor asking him to call me back and nothing done from my insurance agency, bunch of worthless crooks. 

Getting my HVAC fins combed for 450 bucks next Friday and 90% know will not be straightened out the HVAC 2 companies already called said will help but not be AS IT WAS BEFORE hail damage.  Well,   I have personal property 100% full replacement cost as it was to be replaced BEFORE hail damage.  Going to request after done showing them pics see not as it was prior to hail damage give me as my policy states a new HVAC unit.  Why blow 450 bucks, of which Erie Insurance only thinks is 232 bucks paid on their cost estimator, when as my policy states replace personal property in full with new one being about 3500 for new HVAC unit.  They gave me 250 bucks for a few splinters/chipped wood on my picnic table worth 50 bucks tops, so what is the difference on HVAC unit which has 100's of smashed in fins?  Putting a band aid on a major cut is waste of time and money. 

when I told claims adjuster he said protocol is comb fins on HVAC and if not done well, we will deal with it AFTER what is required to be done first being comb finning metal grids outside of AC unit.  Will see how that goes AFTER next Friday but hope as of now get roof done next Friday as well needed it done 2 months ago.  I hope the HVAC guy breaks off 50% of the fins using the comb proving to the claims adjuster cannot be done effectively thus proving to him he is a crook.  I think the HVAC guy will just do the easy ones not smashed flat metal fins since he knows if mess with them will break off, will see?

[Rams]

signed the contract paid half now last night with contractor.  going to have to come up around 1K outta pocket for roof but should  be ZERO paid outta pocket roof.  Sick of dickering with a claims adjuster with Erie Insurance who's only job is to cut pennies off every little item.

The bolded/underlined part is what they've been waiting for.   Once they've made their decision about the only way to get it changed is through legal action and that's a risk.

Rams

[cookiedough]

signed the contract paid half now last night with contractor.  going to have to come up around 1K outta pocket for roof but should  be ZERO paid outta pocket roof.  Sick of dickering with a claims adjuster with Erie Insurance who's only job is to cut pennies off every little item.

The bolded/underlined part is what they've been waiting for.   Once they've made their decision about the only way to get it changed is through legal action and that's a risk.

I already contacted an attorney local and at 275hr he said would be over that 1K extra paying out in no time.  I also chewed out my insurance agent lady who is useless since day one and does not go to bat for their paying customers so dropping them come september unless Erie Insurance does NOT go up one dime in premiums which am sure they will.

I reviewed my cost estimator one last time from claims adjuster Erie Insurance,  also way shorted me ONLY paying out 55 linear foot of fascia.  That will NOT even cover the gable left and right side going left and right side of my garage dented in from hail, let alone anywhere else.  I also told my contractor he could have done more with the claims adjuster since he ONLY actually talked to him ONCE  on the phone and only about 3-4x's via email vs. me 20 to 30x's past 3 full months now bickering with claims adjuster to not low ball me on estimate as he has done since day one.

Supposedly if NO rain next Friday, doing the roof and taking off work since once they remove the fascia from garage area,   I am keeping them for now and taking pics to prove to the darn claims adjuster damage does exist on them and measure since know both sides of garage is over 55 linear feet.  What is the contractor suppose to do cut out the dented in pieces and have 10 three foot sections of fascia vs. 2 or 3 longer sections as should be done just to save a buck?  I also feel the fascia behind the 136 long feet of gutters should be replaced since every 2 feet the old brackets have screw holes thru the old fascia.  What is the contractor suppose to do just put caulk in those screw holes from gutter brackets every 2 feet?   Seen all existing roofs in town get all new FASCIA yet my claims adjuster is being a real jerk about it all.

[cookiedough]

my contractor owner said the shop foreman supervisor will take pics of anymore dents/damage from hail but do not hold my breath him doing that so thus taking off work next Friday to do my own inspection on other parts of my house having damage the claims adjuster not paying for to hopefully help compensate for the 1K shortfall already.

Just glad both my new replacement hips are good enough now to climb a ladder and get on my roof been 3 years was impossible to do prior.   The last time up on my roof I barely made it down onto the ladder some 3 or so years ago.  I could not swing my leg or bend down to put my legs on the 8ft ladder step so yelled for my wife to grab my leg and force it onto the ladder was VERY iffy thought a long time I would just have to live on the roof unable to get down onto the ladder, that is how bad my hips have been past 3-4 years living with daily pain and lack of mobility was near like being in a wheelchair almost at only around age 52 it all started to go bad.  Never knew how bad it was until now being able to walk some 100 yards even with no pain, just not sure I ever will regain my mobility and flexibility over 80%, some say YOGA works? 

[Rams]

signed the contract paid half now last night with contractor.  going to have to come up around 1K outta pocket for roof but should  be ZERO paid outta pocket roof.  Sick of dickering with a claims adjuster with Erie Insurance who's only job is to cut pennies off every little item.

The bolded/underlined part is what they've been waiting for.   Once they've made their decision about the only way to get it changed is through legal action and that's a risk.

I already contacted an attorney local and at 275hr he said would be over that 1K extra paying out in no time.  I also chewed out my insurance agent lady who is useless since day one and does not go to bat for their paying customers so dropping them come september unless Erie Insurance does NOT go up one dime in premiums which am sure they will.

I reviewed my cost estimator one last time from claims adjuster Erie Insurance,  also way shorted me ONLY paying out 55 linear foot of fascia.  That will NOT even cover the gable left and right side going left and right side of my garage dented in from hail, let alone anywhere else.  I also told my contractor he could have done more with the claims adjuster since he ONLY actually talked to him ONCE  on the phone and only about 3-4x's via email vs. me 20 to 30x's past 3 full months now bickering with claims adjuster to not low ball me on estimate as he has done since day one.

Supposedly if NO rain next Friday, doing the roof and taking off work since once they remove the fascia from garage area,   I am keeping them for now and taking pics to prove to the darn claims adjuster damage does exist on them and measure since know both sides of garage is over 55 linear feet.  What is the contractor suppose to do cut out the dented in pieces and have 10 three foot sections of fascia vs. 2 or 3 longer sections as should be done just to save a buck?  I also feel the fascia behind the 136 long feet of gutters should be replaced since every 2 feet the old brackets have screw holes thru the old fascia.  What is the contractor suppose to do just put caulk in those screw holes from gutter brackets every 2 feet?   Seen all existing roofs in town get all new FASCIA yet my claims adjuster is being a real jerk about it all.

As I previously stated, none of the people mentioned above (with the exception of the paid attorney) are on your side.   Personally, even though it may cost you for the attorney, I personally would consider going to court over this.   You might even get your attorney fees paid for by the insurance.   But, I'm only going off what you've said.   There's always two sides to every story.

Rams

[Jersey mike]

signed the contract paid half now last night with contractor.  going to have to come up around 1K outta pocket for roof but should  be ZERO paid outta pocket roof.  Sick of dickering with a claims adjuster with Erie Insurance who's only job is to cut pennies off every little item.

The bolded/underlined part is what they've been waiting for.   Once they've made their decision about the only way to get it changed is through legal action and that's a risk.

I already contacted an attorney local and at 275hr he said would be over that 1K extra paying out in no time.  I also chewed out my insurance agent lady who is useless since day one and does not go to bat for their paying customers so dropping them come september unless Erie Insurance does NOT go up one dime in premiums which am sure they will.

I reviewed my cost estimator one last time from claims adjuster Erie Insurance,  also way shorted me ONLY paying out 55 linear foot of fascia.  That will NOT even cover the gable left and right side going left and right side of my garage dented in from hail, let alone anywhere else.  I also told my contractor he could have done more with the claims adjuster since he ONLY actually talked to him ONCE  on the phone and only about 3-4x's via email vs. me 20 to 30x's past 3 full months now bickering with claims adjuster to not low ball me on estimate as he has done since day one.

Supposedly if NO rain next Friday, doing the roof and taking off work since once they remove the fascia from garage area,   I am keeping them for now and taking pics to prove to the darn claims adjuster damage does exist on them and measure since know both sides of garage is over 55 linear feet.  What is the contractor suppose to do cut out the dented in pieces and have 10 three foot sections of fascia vs. 2 or 3 longer sections as should be done just to save a buck?  I also feel the fascia behind the 136 long feet of gutters should be replaced since every 2 feet the old brackets have screw holes thru the old fascia.  What is the contractor suppose to do just put caulk in those screw holes from gutter brackets every 2 feet?   Seen all existing roofs in town get all new FASCIA yet my claims adjuster is being a real jerk about it all.

As I previously stated, none of the people mentioned above (with the exception of the paid attorney) are on your side.   Personally, even though it may cost you for the attorney, I personally would consider going to court over this.   You might even get your attorney fees paid for by the insurance.   But, I'm only going off what you've said.   There's always two sides to every story.

Rams

Lodging a complaint with the state’s Department of insurance won’t hurt either. That’s what they’re there for.