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The Water Cooler
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<blockquote data-quote="Hump66" data-source="post: 1909505" data-attributes="member: 6655"><p>Here's the story, kinda long but I'll keep it as short as possible. Hail storm end of May, beginning of June, whenever. Had a couple of roofing companies check it, has damage, may/may not be enough to total. Call back in the fall, re-check if more damage has showed up after more weather. About 3-4 weeks go by, every house surrounding mine gets roofs totalled, decide to file claim. 3rd party adjuster(not my insurance company) comes out, writes up some of the gutters, garage door, and repairs for roof/ridge cap replacement. Insurance company sends check, minus deductible. (Timeframe is now the beginning of August) I get 2 estimates for each item, each estimate is higher than what insurance paid. 2 roofers who previously said repairs now say total replacement. I file supplement. 1 month passes, never hear from insurance company. After making several calls, finally get a return call. Insurance company is sending another adjuster(read as: a different guy than the 1st to get another set of eyes on it) out to meet with roofer to discuss extent of damages. Here's where it gets iffy to me. My neighbor was in his back yard(unknown to roofer/adjuster) and said they were not on the roof more than 5 minutes, acted like old friends or have had previous meetings, and the adjuster(actually same one as the first time) said flat out "I'm not paying for a roof for this house", roofer caved/changed his mind on what needed done, they discussed their story to tell me, shook hands, I arrived home at this point and cought a small part of the conversation, seemed fishy to me as they got quiet, seemed surprised when I showed up(I didn't tell them I would be there). Any opinions on a course of action? I've already discussed some of the other issues(minor things, money for garage door/guttering paint) with my agent, but am awaiting his call on this issue.</p></blockquote><p></p>
[QUOTE="Hump66, post: 1909505, member: 6655"] Here's the story, kinda long but I'll keep it as short as possible. Hail storm end of May, beginning of June, whenever. Had a couple of roofing companies check it, has damage, may/may not be enough to total. Call back in the fall, re-check if more damage has showed up after more weather. About 3-4 weeks go by, every house surrounding mine gets roofs totalled, decide to file claim. 3rd party adjuster(not my insurance company) comes out, writes up some of the gutters, garage door, and repairs for roof/ridge cap replacement. Insurance company sends check, minus deductible. (Timeframe is now the beginning of August) I get 2 estimates for each item, each estimate is higher than what insurance paid. 2 roofers who previously said repairs now say total replacement. I file supplement. 1 month passes, never hear from insurance company. After making several calls, finally get a return call. Insurance company is sending another adjuster(read as: a different guy than the 1st to get another set of eyes on it) out to meet with roofer to discuss extent of damages. Here's where it gets iffy to me. My neighbor was in his back yard(unknown to roofer/adjuster) and said they were not on the roof more than 5 minutes, acted like old friends or have had previous meetings, and the adjuster(actually same one as the first time) said flat out "I'm not paying for a roof for this house", roofer caved/changed his mind on what needed done, they discussed their story to tell me, shook hands, I arrived home at this point and cought a small part of the conversation, seemed fishy to me as they got quiet, seemed surprised when I showed up(I didn't tell them I would be there). Any opinions on a course of action? I've already discussed some of the other issues(minor things, money for garage door/guttering paint) with my agent, but am awaiting his call on this issue. [/QUOTE]
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