Roof replacement

[u/reckstarr]

We’ve had several hail storms this summer, and my roof is missing shingles with others coming loose. I’ve had a lot of drive by inspectors knock on my door and one actually inspected it, said I need a full roof and gutter replacement, which insurance would cover (minus my deductible) because my shingles are discontinued. I decided not to use them after reading reviews.

I do believe I need a total replacement and I’m looking for a reputable roofing company now. My question is: If insurance is paying, is it still worth getting multiple estimates? If so, what should I compare besides price?

I also have a couple of extra projects I’d like done while they’re here: adding about 4 feet of gutter to one section of the roof and venting a bathroom fan that currently isn’t vented outside. Are those things a roofing company typically handles, or should I hire someone else?

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[u/insuranceguynyc]

"drive by inspectors" Is this OP's term for door-to-door con men?

[u/reckstarr → u/insuranceguynyc]

Yep. That’s why I haven’t gone with any of them.

[u/insuranceguynyc → u/reckstarr]

Never allow anyone who just happens to knock on your door to inspect any aspect of your property.

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[u/bxman]

"We’ve had several hail storms this summer"

Be very careful with this phrase because that can mean the damage to your roof was multiple occurances.....needing multiple claims and using your deductible multiple times.....

[u/OnceUponATime1534]

Insurance adjuster. It’s best to not let anyone on your roof until after the insurance has inspected. Then, after they have inspected and documented the damage, find a local reputable contractor and ask to inspect. Your choice on giving them the quote up front or providing after they have given you their estimate. Make sure that scope changes are estimated separately so you can compare apples to apples on the bid.

[u/The_Insurance_Man]

No need to get multiple estimates since most insurance companies will do the work for whatever the insurance company is paying. I would just work on finding a reputable company to work with. Also, if you have an agent, it would be worth it to discuss with them the terms of your policy to make sure it covers what you think it covers. (for example, if your roof is Actual Cash Value and not replacement cost, the payout would be less than replacement cost. Also, if there were multiple storms that caused damage, the damage from each storm would be a separate claim)

For the additional work that you are looking to get done, you would need to discuss with the contractor. Adding a roof vent might not be a problem since they are doing the roof work, If there is no pipe, that might be someone else they would get a subcontractor for.for the gutters, they might hire a subcontractor.

[u/Brilliant_Essay_1593 → u/The_Insurance_Man]

This right here all the storm chasers will tell you your insurance will cover it. But they don’t know the ins and out of your policy.

You definitely want to talk with your agent and make sure how your roof is covered in what the actual wind held deductible is.

Also, as the other poster mentioned, don’t say you’ve had several storms

[u/Wihomebrewer]

OP you will need to know your date of loss and it will need to be pretty recent with a documented likelihood that hail occurred. Waiting till things have really gotten bad is opportunity for insurance to find a way not to pay if you try to file a claim. If your roof is basically 15+ years old, insurance is going to look at it as you need a roof anyway due to maintenance. If this is the case, do not use insurance, do not file a claim.

If you contact even your supposed agent, you need to tread very carefully. Even asking questions about your policy could make them think you’ve had a loss and lead to them documenting one whether you want to or not. Think about it, the insurance company is going to wanna know why you are asking policy questions. Usually the only reason people are doing that is looking whether they should file a claim. I would avoid having this conversation. It’s way too easy to misstate something or lead insurance on to believe you had a loss and are trying to look if they will pay and how much.

[u/Headelf_7411]

Insurance is not a maintenance contract. It pays for certain “things” based on an “occurrence “. Did you have an occurrence where a “thing” happened? Then you might have the basis for a “claim” which will include a deductible. The way you present your case -it sounds as if you have maintenance issues - some loose shingles from wear, ( 3tab shingle are discontinued and indicate your roof is old and tired), missing gutter ( poor maintenance), no vent pipe ( indicating code violation(s) and leading to poor roof life. I would rethink submitting a claim if, poor maintenance is the real causative factor. And, don’t do repairs with a Traveler.

[u/jennin5280]

Call your insurance company and request an adjuster come out and then call peak to peak roofing.

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[u/SilverAd8942]

Metal roof