I refused to show them my insurance paperwork and requested a quote. We will see what they do.
Hail damage and insurance dispute
- Thread starter salennon07
- Start date
My bet is that you'll never hear back. They likely have so much work to pick from that they can afford to turn down a job here and there from someone who won't play their game.
No one would turn down this job. My roof is a multi day job. But I get your point. I just dont want to play games. Give me a quote. Do the work. Get paid.
Just tell the roofer you’re not going through insurance. Cash deal.
once you get the insurance check, you can shop around with multiple roofers so you get the price that you want. Just make sure the quality is there as well.
once I get my insurance check, I’m probably going to sit on it for a while. Roofers are so busy right now that they’re not gonna be desperate to give me a good deal. I’m OK waiting it out, when their business slows down a little bit, I’ll be ready to go.
once you get the insurance check, you can shop around with multiple roofers so you get the price that you want. Just make sure the quality is there as well.
once I get my insurance check, I’m probably going to sit on it for a while. Roofers are so busy right now that they’re not gonna be desperate to give me a good deal. I’m OK waiting it out, when their business slows down a little bit, I’ll be ready to go.
Unless they have houses all around you. The one we got last year I just cut off the dollar amounts and said this is what the insurance company said I needed, guy jumped on the roof and gave me a number. Was about 400 more but I told him to go ahead. The insurance company was slower than the roofer.
They hit a couple more at the last minute around us. They could do around 1.5 houses a day and with 2 crews would finish close to 3 a day.
When we had our replaced after a large hail storm in 2020 insurance didn’t give us the full amount until after we provided proof it was done.
Hopping on an insurance claim chain. We found black mold in the basement a long a spot, put in a claim because we knew it was to be costly. Nationwide will not be covering it as they claim it was because of water damage, why would it matter what caused the damage. So disappointed as what's the point of insurance when it led to my youngest getting a bacteria infection and haven't been able to stay in ourl home for a few days. Guessing there isn't a way to fight them is there?
Where did the water come from? That's going to make a ton of difference in this case.
Mold remediation is only covered if it's part of a covered claim.
What I'm guessing is that they want proof of an external event, such as a branch fell and caused a hole which let in water. Otherwise, water leak from water heater or leaky pipe usually isn't covered. Freaking stupid, but that's my guess.
That works all well and dandy if you get all the money from insurance up front. Most of the time insurance holds back depreciation until the work is completed and then releases upon invoice from the contractor.
If you get a quote from a contractor for $15,000 and your insurance paperwork has it listed at $17,000, sure you can make a bit off the top if they have paid all up front, that is. If they are holding back 30/40% of the RCV (replacement cost value), you may only have 12,000 up front, and will only get the difference back to pay the roofer the amount they quoted you, not the original number insurance gave you. This isn't a game with good contractors, it's just how the process goes.
Just submitted my contractor estimate to State Farm today to appeal - The insurance estimate was missing a bunch of damage and came in 30% lower than actual replacement cost. The contractor said that both he, as well as other local contractors, had horrible luck with this guy and he was basically screwing their customers. Here's to hoping I get a generous review.
That's not the question here,. What caused the water to get where it could create the mold? If it was just a slow leak over time, that's not claimable (unless you have a hidden water endorsement).
I've been told that state farm is horrible to deal with this year. I have them and also sustained damage from the 3/31 storm. It took way longer to get things resolved than I thought it should have.
My bad.
Yeah. I'm still fighting a couple companies on hail storms from last summer. Patience is key in your case. Be firm. If they deny again, ask for an engineer's inspection.
Were you able to get everything covered at the contractor's estimate, and how much fighting did it take? I was pretty taken back when he told me that the adjuster developed a reputation in such a short time from this storm, but also glad to hear I wasn't the only one - If things don't go the way they need do, I'm going to request a re-adjustment from a local adjuster instead of one from out of state. It's not even just excluding damages, he way undervalued replacement costs. Took 6 weeks after the storm to even get him to our house, and another week after he was here before he gave me an estimate.
In my case it was just a frustrating waiting game. They leaned HEAVILY on my local contractor to give them photos of the damage and explain which elevation things were on, etc. That kind of sucked because they are a small local business and were freaking busy too. The first money I got from state farm was only for the roof, and didn't include some other fascia, gutter, etc damage. So when state farm was like "here you go!" it was only about half of what my contractor quoted since it was only the roof. So then we had to get "supplemental" info or whatever and wait again for that. But in the end I will get close to what my contractor quoted. I only have about 40% now and should receive the rest when the work is done.
I was just kind of frustrated (for many reasons I guess) that state farm was like "don't you worry about a thing, we'll take care of it!" when I was saying that I could send them photos of whatever the hell they wanted just to speed this along. I can see metal that is dented. I can get on a ladder and snap a thousand photos or whatever they want. And it wasn't them 'taking care of' anything really. They were just bugging my contractor to tell them everything.
I am pissed that state farm is not going to pay for vinyl siding cleaning due to hail 'splatter' which is basically smudge mark looking things on the siding. I'm getting a company to wash the entire house and will just for that on my own I guess.
I hope you get more money for your damage.
While I get the business metrics of it, I also couldn't care less. I pay a premium monthly to be covered and I expect that coverage to be at an acceptable level when needed. I've said for years that insurance is basically a license to steal.
I had hail damage at the end of April and submitted a claim. I called Mark Doyle (State Farm) and they tried to talk me out of filing twice. When i said no they sent out a 3rd party inspector from Louisiana which I thought was odd. Anyway I was chatting with the inspector and he told me how difficult State Farm is. My adjustors said there was no damage which I thought was strange as my car was damaged badly and you could see all kinds of asphalt that went over my leafguards. I definitely am looking for a new insurance provider.
