Quote:
Originally Posted by Bill14564
That is the script for the free roof scam.
The next step in the scam will be for them to present your father with a contract that contains words like "assignment of benefits" which gives them the right to act on your dad's behalf with the insurance company.
A second opinion from someone you or your dad trusts (rather than someone who saw your dad as a payday) would be a good idea.
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Quote:
Originally Posted by Bill14564
The contract needs to give AOB in order for the roofer and the lawyer to inflate the costs and threaten to sue the insurance company. Without AOB, the homeowner would collect from the insurance and pay the roofer. The homeowner is not as practiced at bringing lawsuits and would not be interested in padding costs so it would not work out as well for the roofer.
Does the homeowner get screwed? I don't know. I could imagine his insurance company might drop him. I could imagine the insurance company might refuse to pay and prevail in court and the roofer might try to collect from the homeowner. There is a recent change in Florida law that restricts or prohibits the AOB that might come into play somehow.
More than anything else, the homeowner would need to live with his conscience knowing that he played a part in raising insurance prices for everyone.
Of course, if a second opinion confirms the damage and need for a new roof or if there is no AOB then there is no scam.
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Padded costs for the new roof, now that makes sense. My parents managed to get in touch with a couple of people on their reference list and both couples said their roofs (paid for by insurance) cost over $40K....probably a solid 1/3rd higher than than what they should have cost (regular designer homes).
Sure appreciate the comments guys! 2nd opinion here we come!
Joe