by Guest » Wed Aug 19, 2009 01:43 pm
My husband ans I signed a contract saying we would hire this roofing company if our insurance deemed that we need a new roof. I called our insurance agent and filled a claim, I called and set up appointment with adjuster, when adjuster called roofing salesman he said he couldn't make appointment. Now this is my question the roofer is coming to meet me today at lunch and he told me the contract we signed intitles him to the entire check insurance gave us. We don't even have a quote for the work from him. He says he doesn't need to give one since we signed contract. No work has been done at this time. Can we cancel contract?
Posted: Thu Aug 20, 2009 03:54 am Post Subject:
Some states have a cooling off period, usually 72 hours...I believe that all don't have this. Read the contract...small print....this should inform you. If you don't, check with the state to find out about your options. I know in some states, if it does not have a cancel provision clearly stated that they are easier to get out of. At worst case, the contractor will want around 10% to get out of the contract.
One questions: Why would you not want the contractor to do the work if the insurance company paid for a new roof?
Posted: Thu Aug 20, 2009 09:54 am Post Subject:
I guess you'd agreed to hire them irrespective of the cost of replacement. You did this, since you thought it would be applicable only if it needs to be replaced.
Now that you have the check with you, you wanna have a share out of it. That's probably the reason why you're trying to look for a quote and then negotiate. My friend, you don't look for a quote after signing the agreement. You do it before signing up.
Anyways, you could always check with your state and see if there's a way out!
Posted: Thu Aug 20, 2009 07:28 pm Post Subject:
I have no idea where you're coming from here. Why wouldn't the contractor get the entire check from the insurance company? The insurance isn't going to pay more than the cost of repairing or replacing the roof. Actually the check will be for less than the actual cost because I'm sure you've got a deductible.
Did you think there would be payment for pain and suffering? Or were you just hoping that once the insurance company paid you could talk the roofer down to a lower price and keep the difference?
Posted: Fri Aug 21, 2009 06:15 am Post Subject:
This is the entire reason that roofers get homeowners to sign contracts. Too many contractors were spending time measuring, meeting with adjusters and getting agreed prices and then would have the homeowner take their business down the road to a cheaper roofing company and the original roofing contractor would be out the time and expense for handling your claim.
Posted: Sat Nov 28, 2009 12:35 am Post Subject: Lynnemac Dont be pushed around!
Dont be pushed around by all of these posts on here. It is obvious they are all from crooked roofers. The same situation happened to me. They make it sound like they are doing you a huge favor and it is going to be very difficult to get your roof covered by the insurance company. If you will sign the contract and let them fight it out with your adjuster, they will get the roof covered. These roofers insist on meeting with you adjuster, over estimating the number of squares on you roof and sticking tons of the insurance money in their pockets.
They are crooks and are causing insurance preimums to go through the roof.
Posted: Sat Nov 28, 2009 03:12 am Post Subject:
Dont be pushed around by all of these posts on here. It is obvious they are all from crooked roofers. The same situation happened to me. They make it sound like they are doing you a huge favor and it is going to be very difficult to get your roof covered by the insurance company. If you will sign the contract and let them fight it out with your adjuster, they will get the roof covered. These roofers insist on meeting with you adjuster, over estimating the number of squares on you roof and sticking tons of the insurance money in their pockets.
They are crooks and are causing insurance preimums to go through the roof.
First off, you don't know what your talking about. Secondly, it's not the responsibility of the roofing company to "fight it out" with the insurance company/adjuster. If a roofing company called me, I would simply hang up on them and deal directly with the home owner. Lastly, I wouldn't do business with a contractor that made me sign a contract until I was paid in full for my claim.
Posted: Sat Nov 28, 2009 08:08 am Post Subject:
Dont be pushed around by all of these posts on here. It is obvious they are all from crooked roofers. The same situation happened to me. They make it sound like they are doing you a huge favor and it is going to be very difficult to get your roof covered by the insurance company. If you will sign the contract and let them fight it out with your adjuster, they will get the roof covered. These roofers insist on meeting with you adjuster, over estimating the number of squares on you roof and sticking tons of the insurance money in their pockets
Re-reading my replys as well as the other couple...where does it appear that we are roofing contractors?
They are crooks and are causing insurance preimums to go through the roof.
There are some bad ones, but I don't agree that they are causing premiums to go through the roof.
Lastly, I wouldn't do business with a contractor that made me sign a contract until I was paid in full for my claim.
Agreed.
Posted: Tue Dec 01, 2009 04:38 pm Post Subject:
My point was, that there seems to be a lot of crooked roofing companies that post here. And whoever said it's not the responsibility of the roofer to fight it with the insurance company is an idiot. It is their responsibility to do so if the homeowner hires them to do the job. That would include negoiating the amount to do the job with the insurance company who will utlimately pay them to do it. And it is these guys that are increasing the cost of insurance, try picking up a newspaper once and awhile. Jeez.
Posted: Tue Dec 01, 2009 06:20 pm Post Subject:
And whoever said it's not the responsibility of the roofer to fight it with the insurance company is an idiot. It is their responsibility to do so if the homeowner hires them to do the job. That would include negoiating the amount to do the job with the insurance company who will utlimately pay them to do it.
That was me. I don't know about you, but I sure wouldn't want anyone to but myself to negoitate my settlement. Especially someone like a roofer who is more than likely not qualified and probably doesn't have me in his best interest. Futhermore, unless this roofer is an attorney, any decisions made to negoiate your claim other than yourself would be illegal. And the insurance company wouldn't be responsible for paying the roofer, the homeowner would.
Posted: Wed Dec 02, 2009 04:18 am Post Subject:
And whoever said it's not the responsibility of the roofer to fight it with the insurance company is an idiot.
You really shouldn’t start name calling when you are mistaken in your own remarks. Any negotiating that is done between the adjuster and the roofer is purely a courtesy to the insured. Normally most insured’s aren’t going to know the first thing about what a square of shingles on and off with all additional items go for and it is usually easier to speak to their roofer (keeping the insured in the loop). Myself, I tried to work with any roofer the insured wanted me to, but if the roofer was unreasonable I would cut it off with them and go to the insured. I also tried to keep the insured actively involved in the negotiations.
[/quote]It is their responsibility to do so if the homeowner hires them to do the job.
And it is these guys that are increasing the cost of insurance, try picking up a newspaper once and awhile.The roofers only job is to repair/replace the roof, if the insured hires them.
Do they play a part, sure...but its not that easy. Try every aspect of the industry that makes premiums go up.
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