Posted by INCase on May 19, 2023 at 06:30:25 from (209.221.240.192):
Hello,
I really try not to post OT things but the knowledge based on this website is great and this is kinda a big deal.
Had hail damage on the house roof and needs to be fixed. The insurance adjuster didn't include a few things like Ice guard (Indiana law adjuster was from southern Texas where they probably don't need it lol) and gutter damage and damage to the shed even though he was up there and marked damages.
Of course the roofing companies are crawling out from under every rock and want your business. lots of roofing company signs around the neighbors yards from these guys. I know the roof will be at least $15000 to have someone else do it. insurance came back with only $11,000 but as noted above no ice guard, gutters and shed.
one of these roofing companies i talked to (local) won't give me an estimate but wants to have an assignment of benefits to our insurance company so they can be our advocate with them. I'm naturally leery of this which seems to be common practice. Unfortunately our house has other issues with no facia board behind the aluminum (very unique design from the late 60s) and of course the ends of the rafters are punky and hardly hold the gutters (good condition) on the house.
between myself and my son-in-law we are more than experienced and capable enough of doing the roof (1 story fairly easy) and fascia and gutters but I don't know how to deal with the insurance to take care of the missed things and don't necessarily have time either.
these guys claim they can get the insurance to cover all that fascia/gutter repair as it would be a necessary repair to install new. Which makes some sense but... - I did ask him what happens to repairs that the insurance deems as not necessary and of course he said we would have to pay for it ourselves > to me that equals giving them a blank check if i sign over insurance benefits rights.
So has anyone dealt with this before? we have USAA for insurance and this is our 1st home owners claim ever in 31 years so i've never been in these waters and really don't know.
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