Comments on: Roofing & Hail Damage Contractors: Advertising as Insurance Adjusters

By: What are the Drawbacks of Hiring a Highly Recommended Roofing Contractor Who Does Not Have Liability or Worker’s Comp Insurance? - The Florida Roofer | Montgomery Winslow Roofing Experts — The Florida Roofer | Montgomery Winslow Roofing Experts

Thu, 26 Jan 2012 03:16:25 +0000

[...] When Shopping For Roofing ContractorsInside Information On Finding The Perfect Roofing ContractorRoofing Contractors as Insurance Adjusters:Insurance Fraud#header #cust_back { background: [...]

By: Independent Adjuster.com

Independent Adjuster.com — Sat, 18 Dec 2010 10:15:57 +0000

Tim, Thanks for your comment. We feel strongly that your comment produces some interesting theories and felt that it really gives way to at least one new post! We'll amend this comment/reply to include all the subjects and angles you discussed, but for now we just covered the question of why we recommend getting three or more estimates for scenarios where a contractor is actively involved, or a contingency agreement is in place. Thanks for the inspiration and we'll get to the remainder of your complaints here over the next few weeks.

By: Roofing contractors trick insureds by saying they'll work for the insurance claim amount. | The Independent Insurance Claim Adjuster Resource

Sat, 18 Dec 2010 10:02:42 +0000

[...] last week a contractor using the name Tim Arnold commented and and ultimately asked the ever important question, “why?”, with regard to our recommendation that insureds [...]

By: Tim Arnold

Tim Arnold — Thu, 16 Dec 2010 02:43:40 +0000

@Mark Gerardy
I appreciate your desire to protect homeowners from unethical roofers. I must, however, question something I’ve seen repeated by a few adjusters and you have stated here. You advise homeowners to get at least three estimates from reputable roofing contractors after they receive their settlements. My question is, why? I understand the need for several estimates before any major project is done by a contractor because these costs have many variables such as material , labor and fees. You can get a better idea of fair pricing from several estimates. But when an insurance company gives the replacement cost of a roof, that’s it! If the homeowner has a reputable contractor lined up to do the work, encouraging estimates just brings the “bubba’s” with their pickup trucks. I lost three jobs this fall because the adjuster showed them how to pocket insurance money for a sub-standard roof. The only purposes for multiple estimates is to commit insurance fraud or to save the insurance company from having to pay you all of your depreciation. You would do the homeowner well to advise them to find a reputable roofer in the area with a good history who will do the job for what the insurance will pay. Most of my work is insurance replacement roofs and I don’t give estimates. I do the work for what ever the adjuster says the replacement cost of the roof is going to be. On rare occasions the replacement cost is low or something was missed, but in each of these a phone conversation with the claims rep remedied the discrepancy. Most homeowners don’t know they have damage until a trained professional tells them. And insurance companies are not going to send adjusters out to find damage just because a storm came through their area, that’s my job and I’m proud of the work we do. Also, why would you encourage homeowners to try and prevent contractors from talking with their insurance companies? We work well with all of the carriers. I know most of the adjusters in this area and I have a good relationship with many claim reps. There is nothing nefarious afoot just because a professional contractor works hand in hand with an insurance rep to best take care of the homeowner. In any industry there will be unqualified, untrained or unethical people, including independent adjusters! But, I pray this is the exception.