Had some roof damage to house and garage. Kind of needed the insurance claim money to get the roofing work done. Insurance adjuster came out. Came up with a figure. He likewise didn't include a couple things, although we don't have iceguard here, whatever that is.
I kind of just figured I would have to pay the difference between the insurance claim and the actual cost of the roofing job. Anyways, the roofing guy came out to give me an estimate. The estimate was reasonable and in the ballpark. But it was over the insurance settlement figure. No shock there. The roofing guy asked to see the settlement sheet. Since his estimate was over the insurance settlement price, I figured there would be no harm done in letting him see it. He noticed the things that were missing in the settlement also. He said he runs into this all the time. Said most of the time, he can take the settlement sheet and his estimate (or bill) to the local insurance agent and get more money for ya out of the insurance company. Since the insurance company was coming up short, I gave them a call explaining this. Bringing up the things that were missing on the settlement sheet. Told them what the roofing guy said. Told them the roofing guy would like to talk to them. They said, well..., just send him by. We might be able to do something about the stuff not included on the settlement sheet. Anyways, the roofing guy got more money out of them than I (the policy holder) did. A seperate check for the additional amount, made out to me and mailed directly to me for the roofing job.
It use to be that the insurance company might pay you a generous settlement that might exceed what you could get the actual work done for. And it was in your best interest to keep settlement information a secrete from the contractor. But those days are OVER!!! Insurance companies are now intentionally under paying on roofing claims so they don't run into policy holders pocketing the extra money from the claims.
Let your contractor go to bat for you. It's become a normal practice with the insurance companies. About the only way to beat insurance companies out of roofing dollars these days, is to collect the roofing claim money, and then not re-roof the structure.
Of course, if you do the work yourself, you will have to deal with the insurance company yourself and won't have a contractor to use as a tool to get the missing funding. That might just be an incentive to get a contractor to do it, rather than doing the work yourself. I'm glad I did. The contractor done all the work in a day and half. Hard to say how long it would of took me. A heck of a lot longer than that, I know for sure.
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