We had a hailstorm in our area and many people have had their roofs replaced
in recent months. I am currently dealing with a roofer's representative
about replacing the roof. The insurance adjuster came out and he has made
his report. Here is summary:

shingle tear out, 36 sq at $20
replace shingles, 3-tab, 41 sq at $101
steep slope allowance, 41 sq at $12
repaint fascia and metal awning
exhaust vent / plumbing vent replacement
window screen replacment
outbuilding roof replacement

Roofer is proposing to replace asphalt 3-tab with Pinnacle 30-year
architectural shingles. I don't have anything in writing yet, but he is
saying that the Pinnacle 30s would cost me $20 more per square than the $101
quoted in the adjuster's report, in other words, around $121 / square.

The adjusters report included payment for work that I'm not likely to have
done (replace screens for windows, when I want to replace the windows
instead; new roof on an out-building that I will ultimately bring down.)
Roofer rep says he'll bill me for the whole job and then when I pay, they'll
send a check back for the work budgeted by the adjuster but wasn't done.

I just want to make sure that I'm getting a fair deal and want to make sure
that everything is done right, but I am very ignorant about roofing. I just
want to be assured that they aren't charging too much for the roof
replacement (have done Google searches on Pinnacle prices, haven't found
much yet), and that they do all the work needed as it should be done. e.g.
not doing the cheapest job possible, cutting corners, for the fixed price.

Can anybody give me any advice on these questions or point me to a good
website?

"spoon2001" wrote in message
...
We had a hailstorm in our area and many people have had their roofs
replaced in recent months. I am currently dealing with a roofer's
representative about replacing the roof. The insurance adjuster came out
and he has made his report. Here is summary:

shingle tear out, 36 sq at $20
replace shingles, 3-tab, 41 sq at $101
steep slope allowance, 41 sq at $12
repaint fascia and metal awning
exhaust vent / plumbing vent replacement
window screen replacment
outbuilding roof replacement

Roofer is proposing to replace asphalt 3-tab with Pinnacle 30-year
architectural shingles. I don't have anything in writing yet, but he is
saying that the Pinnacle 30s would cost me $20 more per square than the
$101 quoted in the adjuster's report, in other words, around $121 /
square.

The adjusters report included payment for work that I'm not likely to have
done (replace screens for windows, when I want to replace the windows
instead; new roof on an out-building that I will ultimately bring down.)
Roofer rep says he'll bill me for the whole job and then when I pay,
they'll send a check back for the work budgeted by the adjuster but wasn't
done.

I just want to make sure that I'm getting a fair deal and want to make
sure that everything is done right, but I am very ignorant about roofing.
I just want to be assured that they aren't charging too much for the roof
replacement (have done Google searches on Pinnacle prices, haven't found
much yet), and that they do all the work needed as it should be done.
e.g. not doing the cheapest job possible, cutting corners, for the fixed
price.

Can anybody give me any advice on these questions or point me to a good
website?




Are you replacing the whole roof 41 squares (41 bundles) or 41 square feet
(a small portion of the roof)

If it is just a portion, why would you put a small patch of premium shingles
in the middle of a roof that won't last as long as the repair. Get a
shingle that matches the roof color best and has a lifetime comperable with
whats left on the roof.

If you are replacing the whole roof, it was not age related waer out that
made you do it but damage by hail. Another hail storm could trash your more
expensive roof later before it reaches the end of its life. (has this
happened before? how often does hail get that bad?).

Given that an act of nature could seriously reduce the life expactancy of
that roof, unless the new material is more durable against hail, I would go
with the cheaper brand. If the insurance company will verify that they will
pay reasonable excess charges later, go for it, but it is also possible they
will make you pay the difference for an optional upgrade. Have you asked
about slate or concrete (slate look) tile roof, that should take a beating.

"spoon2001" wrote in message

Roofer rep says he'll bill me for the whole job and then when I pay,
they'll send a check back for the work budgeted by the adjuster but wasn't
done.

How well do you know and trust the roofer?

Thanks for your reply, Pipedown.

PipeDown wrote:
Are you replacing the whole roof 41 squares (41 bundles) or 41 square
feet (a small portion of the roof)

Ah, I didn't make that clear. The job is to replace the entire roof on both
the house and the outbuilding. So in other words by 41 sq I meant 41 square
or 4100 sq ft., not 41 sq. ft. Adjuster's quote was 41 sq. @ $101
replacement cost = $4174.

If you are replacing the whole roof, it was not age related waer out
that made you do it but damage by hail. Another hail storm could
trash your more expensive roof later before it reaches the end of its
life. (has this happened before? how often does hail get that bad?).

Given that an act of nature could seriously reduce the life
expactancy of that roof, unless the new material is more durable
against hail, I would go with the cheaper brand. If the insurance
company will verify that they will pay reasonable excess charges
later, go for it, but it is also possible they will make you pay the
difference for an optional upgrade. Have you asked about slate or
concrete (slate look) tile roof, that should take a beating.

I lived here many years, never heard hail like that ever before! But oddly
enough I didn't even think about hail damage to the roof, only to the cars.
And it wasn't until the roofers came swarming around that I even really
noticed the white spots up on the roof from the hail. Fascia painting
really took a beating too.

It seems as if just about everybody around here is replacing with laminate
shingles like the Pinnacles my guy is talking to me about.

Edwin Pawlowski wrote:
Roofer rep says he'll bill me for the whole job and then when I pay,
they'll send a check back for the work budgeted by the adjuster but
wasn't done.

How well do you know and trust the roofer?

I don't really know him, but I did talk to somebody up the street who had
their work done by him, and they were happy.

But I am thinking I want to get it in writing that they will sent me a check
back for any budgeted work that is not in fact done.

spoon2001 wrote:

Edwin Pawlowski wrote:
Roofer rep says he'll bill me for the whole job and then when I pay,
they'll send a check back for the work budgeted by the adjuster but
wasn't done.

How well do you know and trust the roofer?

I don't really know him, but I did talk to somebody up the street who had
their work done by him, and they were happy.

But I am thinking I want to get it in writing that they will sent me a check
back for any budgeted work that is not in fact done.

I would expect to get a check for the settlement directly from the
insurance company...what I do w/ it is my business.

spoon2001 wrote:
Edwin Pawlowski wrote:

Roofer rep says he'll bill me for the whole job and then when I pay,
they'll send a check back for the work budgeted by the adjuster but
wasn't done.

How well do you know and trust the roofer?


I don't really know him, but I did talk to somebody up the street who had
their work done by him, and they were happy.

But I am thinking I want to get it in writing that they will sent me a check
back for any budgeted work that is not in fact done.


Hi,
I had hail damage on my sun room roof few years ago. It was total.
Roof/sky lights, etc. Literally smashed. My insurance adjuster looked at
it, wrote me a check for the damage at current value minus deductible.
I called original contractor who built the room, told him My max. budget
is the value of check all inclusive for the job. He was more than glad
to comply. I got new roof/sky lights made of better material with better
R value. Zero dollar out of my pocket.
Tony

In article ,
says...

But I am thinking I want to get it in writing that they will sent me a check
back for any budgeted work that is not in fact done.

I would expect to get a check for the settlement directly from the
insurance company...what I do w/ it is my business.

The way most insurance policies are written, you'll get depreciated
Actual Cash Value if you want a check up-front, Replacement Cost paid
only after the replacement work is done.

I'd be wary of asking a contractor to promise in writing that he'll
bill for work not done and pass the excess on to you, if your
insurance company gets picky that's written proof of a prior
consipracy rather than simple insurance fraud.

Read the "Loss Settlement" provisions of your own insurance policy to
see whether you get replacement cost or ACV, and whether you have to
actually do the work to get a replacement cost settlement.

--
is Joshua Putnam
http://www.phred.org/~josh/
Updated Bicycle Touring Books List:
http://www.phred.org/~josh/bike/tourbooks.html

I had my roof replaced 32 sqs. the difference between the 3 tab asphault and
the asphault architectural $500(looks like a shake shingle).

Tom


"spoon2001" wrote in message
...
We had a hailstorm in our area and many people have had their roofs
replaced in recent months. I am currently dealing with a roofer's
representative about replacing the roof. The insurance adjuster came out
and he has made his report. Here is summary:

shingle tear out, 36 sq at $20
replace shingles, 3-tab, 41 sq at $101
steep slope allowance, 41 sq at $12
repaint fascia and metal awning
exhaust vent / plumbing vent replacement
window screen replacment
outbuilding roof replacement

Roofer is proposing to replace asphalt 3-tab with Pinnacle 30-year
architectural shingles. I don't have anything in writing yet, but he is
saying that the Pinnacle 30s would cost me $20 more per square than the
$101 quoted in the adjuster's report, in other words, around $121 /
square.

The adjusters report included payment for work that I'm not likely to have
done (replace screens for windows, when I want to replace the windows
instead; new roof on an out-building that I will ultimately bring down.)
Roofer rep says he'll bill me for the whole job and then when I pay,
they'll send a check back for the work budgeted by the adjuster but wasn't
done.

I just want to make sure that I'm getting a fair deal and want to make
sure that everything is done right, but I am very ignorant about roofing.
I just want to be assured that they aren't charging too much for the roof
replacement (have done Google searches on Pinnacle prices, haven't found
much yet), and that they do all the work needed as it should be done.
e.g. not doing the cheapest job possible, cutting corners, for the fixed
price.

Can anybody give me any advice on these questions or point me to a good
website?

Joshua Putnam wrote:
....
The way most insurance policies are written, you'll get depreciated
Actual Cash Value if you want a check up-front, Replacement Cost paid
only after the replacement work is done.
....

Not quite what I said (at least meant, anyway)...I inferred the OP's
proposed repairer was asking the check be signed over to him (the
roofer) not given to the homeowner...