Talk of The Villages Florida
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Talk of The Villages Florida (https://www.talkofthevillages.com/forums/)
-   Contractors and Services (https://www.talkofthevillages.com/forums/contractors-services-91/)
-   -   Apex roofing evaluation, is this legit? (https://www.talkofthevillages.com/forums/contractors-services-91/apex-roofing-evaluation-legit-352359/)

Dgodin 08-22-2024 10:34 AM
I saw a similar situation with a friend. He wanted a new roof. A company came in and told him the insurance company would pay for it. They had found "storm damage". The insurance company denied his claim. The roofer assured my friend they had people in their employ who could fight the insurance company for him. The claim was eventually approved. He got his roof. But the insurance company had the last laugh. They increased his premium.

So it is a scam, perpetrated on both the home owner and the insurance company.

birdawg 08-22-2024 10:51 AM
They will put a lean on your house and never remove it. We just had a guy with a drone knock on doors wanting to evaluate our roof. Stay faraway from these conmen.

dfortier 08-22-2024 11:12 AM
Down side for the homeowner...
 
I would be very suspicious of Apex's workmanship. I don't want them anywhere near my home.

Velvet 08-22-2024 12:11 PM
Quote:
Originally Posted by Duppman (Post 2362930)
Our neighbor brought Apex over 2 years ago. I let him on my roof to inspect, to my surprise he found we needed a new roof. Told him I'd think about it. Called one of the major roofers in TV over for an inspection and he told me unless a severe weather event happened we had 5+ years left. Called them back to say no thanks. I think several in our area had their roofs replaced.
Good roofing companies now use drones to inspect your roof first. And they can show you the photos of why you may need a new roof. They do not go up and damage your roof in the first place.

Ross 08-22-2024 12:12 PM
Do not deal with Apex.

Margefrog 08-22-2024 12:43 PM
Life of shingle roof in Florida is 20 to 25 years. Always get a second opinion. Why would anyone need an insurance attorney if the insurance didn't even get a claim, let alone decline it. Yes, scammers. Should've allowed them to do anything.

OrangeBlossomBaby 08-22-2024 04:41 PM
We got a call from Apex shortly after we moved in five years ago. They said they had been the previous owner's roofing company and that the lifespan on our shingles was coming up and they wanted to give us a deal on a new roof.

We have a metal roof. So, y'know. No.

Sabella 08-23-2024 04:14 AM
No, second opinion
 
Quote:
Originally Posted by Fastskiguy (Post 2362716)
Just got a call from my dad about a guy from Apex roofing that blew into Pinellas offering free roof inspections. He got up on the roof, took some pictures, and explained there is storm damage to the roof (cupping, missing shingles, some other stuff I can't remember). He said he could help line up a lawyer to go after the home insurance company (Progressive) and probably get a new roof. The roof is about 10 years old. The lawyer answered the phone call right away and set up a meeting for Friday night. Something like "Your Insurance Lawyer, inc." (can't remember the exact name)

The whole thing sounded fishy as hell to me....but I don't know anything about roofs or insurance. Is this legit?

Thanks!

Joe
Most people in the villages know do not have anything to do with this company.

DennisfromMinnesota 08-23-2024 06:04 AM
Old adage
 
Someone once told me, If you find someone who will steel for you, they’ll steel from you.

crash 08-23-2024 06:08 AM
Quote:
Originally Posted by DennisfromMinnesota (Post 2363130)
Someone once told me, If you find someone who will steel for you, they’ll steel from you.
I believe you mean steal not steel the metal.

karenzeee 08-23-2024 06:33 AM
As others said RUN RUN as fast as you can. My friend fell for it, signed papers, then his insurance company came out to check the roof before he could proceed. The insurance would not cover it and said his roof was fine! He was lucky he was able to get out of the contract then.

We used S&W Roofers to do our villa after getting 4 estimates. Will the owner is super nice, shows up to do the work ,and reasonably priced. You can always get a second opinion. S&W Roofing

MidWestIA 08-23-2024 07:31 AM
Toxic
 
Outfits like this apex is the reason we get forced to get a new roof before we need to or can't get insurance because the house is x years old

Topspinmo 08-23-2024 08:00 AM
Quote:
Originally Posted by lawgolfer (Post 2362931)
I'm surprised these guys are still around as most of them closed up shop. Last year, the Legislature eliminated the "assignment of benefits" (AOB)to contractors, by which the roofers and their attorneys could directly sue the homeowner's insurer for the inflated price of a new roof and for bad faith. Also, the Legislature severely limited the damages in bad faith claims and provided that insureds who lose such lawsuits will have to pay costs to the insurance companies.

The AOB was the most abusive system of all time. It cost insurers $Billions and only benefit crooked roofing companies and their money-grubbing attorneys. Because of them, numerous insurance companies have gone insolvent or have left Florida. The result is that the premiums for homeowner's insurance has "gone through the roof" (how's that for a pun).

In short, tell the roofer to never again darken your door and give thanks that you didn't fall for his scam. ***Fair Disclosure*** I am an attorney and practiced for 40 years doing only litigation, including "bad faith" for both insureds and insurers. These roofing companies and their attorneys made me ashamed to be a member of the profession.
Insurance companies aren’t squeaky clean either.

bopat 08-23-2024 08:59 AM
I thought insurance fraud was illegal...

Cliff Fr 08-23-2024 10:22 AM
Quote:
Originally Posted by Fastskiguy (Post 2362716)
Just got a call from my dad about a guy from Apex roofing that blew into Pinellas offering free roof inspections. He got up on the roof, took some pictures, and explained there is storm damage to the roof (cupping, missing shingles, some other stuff I can't remember). He said he could help line up a lawyer to go after the home insurance company (Progressive) and probably get a new roof. The roof is about 10 years old. The lawyer answered the phone call right away and set up a meeting for Friday night. Something like "Your Insurance Lawyer, inc." (can't remember the exact name)

The whole thing sounded fishy as hell to me....but I don't know anything about roofs or insurance. Is this legit?

Thanks!

Joe
He may have damaged the roof on purpose while he was up there.

Gatorfan1 08-25-2024 12:16 PM
Quote:
Originally Posted by Fastskiguy (Post 2362716)
Just got a call from my dad about a guy from Apex roofing that blew into Pinellas offering free roof inspections. He got up on the roof, took some pictures, and explained there is storm damage to the roof (cupping, missing shingles, some other stuff I can't remember). He said he could help line up a lawyer to go after the home insurance company (Progressive) and probably get a new roof. The roof is about 10 years old. The lawyer answered the phone call right away and set up a meeting for Friday night. Something like "Your Insurance Lawyer, inc." (can't remember the exact name)

The whole thing sounded fishy as hell to me....but I don't know anything about roofs or insurance. Is this legit?

Thanks!

Joe
Never let them go on your roof. As soon as they knock on your door ask them to leave. If they mention a lawyer tell them to leave. Call a roofing company that is honest and does an excellent job. Remember there is no such thing as a free roof!

Cubs9 12-04-2024 02:49 AM
Can anyone please help? I just found out my Mom signed a contract with Apex. They came to her house during the day talked her into it. She said he was there talking for hours?? The same scenario as your Dad.

Thank you for any advice how to get out of this.

Topspinmo 12-04-2024 08:21 AM
Quote:
Originally Posted by Fastskiguy (Post 2362716)
Just got a call from my dad about a guy from Apex roofing that blew into Pinellas offering free roof inspections. He got up on the roof, took some pictures, and explained there is storm damage to the roof (cupping, missing shingles, some other stuff I can't remember). He said he could help line up a lawyer to go after the home insurance company (Progressive) and probably get a new roof. The roof is about 10 years old. The lawyer answered the phone call right away and set up a meeting for Friday night. Something like "Your Insurance Lawyer, inc." (can't remember the exact name)

The whole thing sounded fishy as hell to me....but I don't know anything about roofs or insurance. Is this legit?

Thanks!

Joe
Run forest run!

Topspinmo 12-04-2024 08:23 AM
Quote:
Originally Posted by Gatorfan1 (Post 2363938)
Never let them go on your roof. As soon as they knock on your door ask them to leave. If they mention a lawyer tell them to leave. Call a roofing company that is honest and does an excellent job. Remember there is no such thing as a free roof!
There was for some but others paid for it. :22yikes:

MrFlorida 12-04-2024 08:39 AM
People who show up uninvited to give you a free inspection are usually scam artists. Walk away.

petsetc 12-04-2024 08:52 AM
Please read you policy!!! My current policy with Kin specially states the homeowner agrees not to assign benefits and they will not honor AOBs (don't recall exact wording). So as I read it, if the insurer won't pay, the homeowner will.

Velvet 12-04-2024 02:45 PM
Yikes! I just had one of their salesman at my door. My neighbor who had his roof replaced with them said, never, never use them. Very painful process. I believed him.

kkingston57 12-04-2024 02:54 PM
Quote:
Originally Posted by Fastskiguy (Post 2362736)
Yeah I'm sure that's right, the contract needs to give assignment of benefits in order for them to have a shot of getting paid if they can get money out of the insurance company.

But is there a downside for the homeowner? I can see a downside for the insurance company, the roof inspector/sales guy, and the attorney. But I'm missing where the homeowner gets screwed. Can anybody spell this out for me?

Joe
Was in the biz. The insurance company generally ends up paying at least 10-20% more than the market price of the roof and premiums will rise higher than if they were not involved,

kkingston57 12-04-2024 03:12 PM
Quote:
Originally Posted by Cubs9 (Post 2390722)
Can anyone please help? I just found out my Mom signed a contract with Apex. They came to her house during the day talked her into it. She said he was there talking for hours?? The same scenario as your Dad.

Thank you for any advice how to get out of this.
Hope she did not pay anything. Suggest you try to rescind the contract. May need to get a lawyer involved.

Fastskiguy 12-04-2024 03:56 PM
Quote:
Originally Posted by kkingston57 (Post 2390900)
Was in the biz. The insurance company generally ends up paying at least 10-20% more than the market price of the roof and premiums will rise higher than if they were not involved,
What if your insurance company says "yeah there is damage but we're not paying"? 'Cause that's what happened with my dads roof (inspected prior to the last hurricane). Do you just roll over and pay for a new roof out of pocket or do you push the insurance company to cover what they said they'd cover?

Joe

villagetinker 12-04-2024 04:01 PM
Quote:
Originally Posted by Cubs9 (Post 2390722)
Can anyone please help? I just found out my Mom signed a contract with Apex. They came to her house during the day talked her into it. She said he was there talking for hours?? The same scenario as your Dad.

Thank you for any advice how to get out of this.
Contact Seniors Against Crime (a division of the FL Attorney General) and file a complaint.

kkingston57 12-05-2024 09:56 AM
Quote:
Originally Posted by bopat (Post 2363226)
I thought insurance fraud was illegal...
It is but the insurance company needs to be able to prove that it is fraud. Very hard to do.

Gatorfan1 12-05-2024 08:30 PM
Do not allow anyone on your roof. Call a local legit roofer to check roof
 
Quote:
Originally Posted by Fastskiguy (Post 2362716)
Just got a call from my dad about a guy from Apex roofing that blew into Pinellas offering free roof inspections. He got up on the roof, took some pictures, and explained there is storm damage to the roof (cupping, missing shingles, some other stuff I can't remember). He said he could help line up a lawyer to go after the home insurance company (Progressive) and probably get a new roof. The roof is about 10 years old. The lawyer answered the phone call right away and set up a meeting for Friday night. Something like "Your Insurance Lawyer, inc." (can't remember the exact name)

The whole thing sounded fishy as hell to me....but I don't know anything about roofs or insurance. Is this legit?

Thanks!

Joe
Call a local, legit roofer.

Bogie Shooter 12-05-2024 09:09 PM
Quote:
Originally Posted by Fastskiguy (Post 2362716)
Just got a call from my dad about a guy from Apex roofing that blew into Pinellas offering free roof inspections. He got up on the roof, took some pictures, and explained there is storm damage to the roof (cupping, missing shingles, some other stuff I can't remember). He said he could help line up a lawyer to go after the home insurance company (Progressive) and probably get a new roof. The roof is about 10 years old. The lawyer answered the phone call right away and set up a meeting for Friday night. Something like "Your Insurance Lawyer, inc." (can't remember the exact name)

The whole thing sounded fishy as hell to me....but I don't know anything about roofs or insurance. Is this legit?

Thanks!

Joe
Quote:
Originally Posted by Gatorfan1 (Post 2391127)
Call a local, legit roofer.
OP was in August……Duh!


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