First: July 18, 2013
Last: July 18, 2013
Most of us have had roofers or someone knocking on our door at one time or another. It can be annoying, but at the same time, having them do this is a good sign that something could be wrong with your roof. With that being said, we never recommend that you go with someone knocking on your door to do the work. Why? Keep reading...
Roofs are one of the most important parts of our home or property. If they are not maintained on a regular basis, the enebidable will happen. Every day we visit with people who have been told their roof is damaged and many times they are not even aware that they have water intruding into their homes or properties. Roofers for instance will almost never ask the homeowner if there has been damage to the interior of the home. They don't ask because all they want to do is replace the roof and are not interested in anything else. On many occasions we see the unsuspecting homeowner hire the door to door sales man to do their roof, they do not check references, check BBB, or check anywhere of complaints. Worst of all they do not check to see if they are a legitimate company, insured or even bonded. When people hire roofers or contractors that are not, they are risking that if something goes wrong with the workmanship that they lose their money and could possible end up spending double the money to fix the problems they are left with. Our recomendation is to always verify who you are hiring. Cheap does not come without a cost.
In Texas, Texas Department of Insurance (TDI) put out a Commissioner's Bulletin #B-0017-12 warning Roofers and contractors and other individuals not to act like Public Adjusters. Many States have the same type of bulletin, check your local Department of Insurance for more information. In Texas, this was a good step towards consumer protection. This came about due to all the door to door sales men, roofing companies and contractors who were telling consumers that they handle claims and can get them free roofs with no out of pocket costs. What they failed to tell people was that they are not licensed to represent the Insured in claims, not Adjusters and cannot Adjust claims... bottom line, it is a conflict of interest and unless they hold an Adjusting license do not have the knowledge of the policy and may harm not help the Insured. Roofers and contractors, although some may practice ethically, are always going to be representing themselves and therefore the relatiionship between contractor/roofer and insured is a conflict of interest. The roofer or contractor is acting on their own behalf and is motivated by getting the work and getting paid.
If you have ever suffered damage to your home or property and filed a claim, you understand how complex and stressful it can be. Roofers and contractors may know a little about how to submit documents but they know little about the complexities of a policy and how it applies to the damage you have suffered. Consumers have a choice to hire Public Adjusters. Public Adjusters are the insured's advocates and represent the insured only, never the insurance company. Public Adjusters work on contigency basis and have the insured's best interest always in mind. They are extremely detailed and know the intricancies of policies. They will make recomendations and review your coverage to ensure you will have adequate coverage in the future, they will work hard to get you the money you are entitled to. They work with your contractor and roofer to ensure that the work is done according to codes, if you have the coverage, and that the work is done according to what you were paid for by your insurance company.
Public Adjusters inspect your property and make recomendations on whether you should put in a claim, they ensure that it is a covered loss and is above your deductible. Public Adjusters help prevent frivilous claims that can hurt you, but assist the insured in putting in claims that are covered under the policy.
Has anyone had a bad experience with a claim? I would love your feedback.