Hail damage. need advice about insurance, adjusters and contractor selection.
#1
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Hail damage. need advice about insurance, adjusters and contractor selection.
Hello everyone. I live in Denver CO. We received some pretty bad hail damage. Many people in my area had signs in their front yard forroofing/siding companies. I decided to call one of them to get them to check out my roof. They came out and circled a ton of spots on the roof that had damage. They also pointed out chunks missing from my siding, fence damaged, grill beat up, AC unit damaged and a couple other things.
Now they are asking that I call my insurance adjuster out and then call them so they can be on site with the insurance company so they can help point out damage. They also requested that I sign 2 things for them. One was giving permission to talk to my insurance. The other was saying that if they work with my insurance I will guarantee that I will let them do the work.
Now I did sign the paper saying they could talk to my insurance but not the one that says I must go with them.
They did offer $500 cash to put a sign in my yard to help with the $1000 deductible.
My questions to you guys.... Should I have them here (or another roofing company) when my adjuster is here looking over my property?
Should I not have signed the paper saying they can call/talk to my insurance? if not, what ramifications am I facing? Should I find a new company?
Let me know what would be the best way to go about this.
Thank you for your input everyone!
Now they are asking that I call my insurance adjuster out and then call them so they can be on site with the insurance company so they can help point out damage. They also requested that I sign 2 things for them. One was giving permission to talk to my insurance. The other was saying that if they work with my insurance I will guarantee that I will let them do the work.
Now I did sign the paper saying they could talk to my insurance but not the one that says I must go with them.
They did offer $500 cash to put a sign in my yard to help with the $1000 deductible.
My questions to you guys.... Should I have them here (or another roofing company) when my adjuster is here looking over my property?
Should I not have signed the paper saying they can call/talk to my insurance? if not, what ramifications am I facing? Should I find a new company?
Let me know what would be the best way to go about this.
Thank you for your input everyone!
#2
I can understand them wanting the paperwork. Why would they come out a second time on their dime w/o any guarantee of getting the job?
Is the company licensed, bonded, and insured? Did you check any of their work or talk to someone who worked with them?
I probably would have called my adjuster first. If additional damage was found by a company after the adjuster was there, he'll come back and approve it.
Is the company licensed, bonded, and insured? Did you check any of their work or talk to someone who worked with them?
I probably would have called my adjuster first. If additional damage was found by a company after the adjuster was there, he'll come back and approve it.
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I understand them wanting paperwork and don't blame them at all. They just made me feel very uncomfortable.
I think I will have the adjuster come out and look around without anyone here. Then I will get bids for the work. Does this seem reasonable?
I think I will have the adjuster come out and look around without anyone here. Then I will get bids for the work. Does this seem reasonable?