New Roof
 

Around and near my area ( Bonnybrook ) almost 10 houses are getting a new roof from Eustis. Must have been a good deal going with the company I'm guessing. Even when I play golf, all I hear is roofing nailgun noise all day long. When I search for the best roofing company in this forum, however, many mention that the company deals directly with the insurance. Unless there was a storm damage, why would a roofing company contact the insurance company? I am puzzled.

Cheers!

Not that hard to figure out, somebody gets new roof, someone finds out their insurance paid for some of it all sudden it spreads like COVID-19.

I wouldn't allow a roofer to deal directly with my insurance company. For a valid claim, you can deal with the insurance company yourself.

Its called an ASSIGNMENT OF BENIFITS and you should never sign one, if you do not believe me contact the attorney general. I have no idea if it came to pass but there was supposed to be a new law to limit or eliminate the use of this.

Are you saying the insurance company is paying for the roof when they do not have to? Are you saying the roofing company is strong arming them or cheating? Assignment of benefits, as I understand, only works when there is a benefits to have ( or deserve ). I don't think any insurance company is stupid enough to pay for something if they don't have to. What gives?

Assignment of benefits takes ALL control out of YOUR hands and puts that control in the contractors hands, you have NO say in what is done to your roof. This can occur if (BIG IF) the damage to the roof is covered by insurance. Some contractors "offer" a service where they will deal with the insurance company, the contractors are NOT acting in your best interest, they are acting in their own best interest. Imagine the insurance offers to cover the roof with reasonable cost (quality) shingles, now the contractor goes and gets low cost (inferior) shingles, he pockets the difference you get a less than quality job.
There have been many horror stories about the assignment of benefits.
Hope this helps.

I agree. Insurance companies aren't stupid, and they aren't afraid of a roofer filing a bogus claim. Also, signing an Assignment of Benefits form is a very bad idea. In addition to the problems already mentioned, the roofer can delay the project, leaving you with a defective roof, and you can't hire another roofer.

And to make this even better the insurance companies are nice enough to pass on these roofing claims to the rest of us in the form of higher premiums.

It was signed into law effective 7/1/21.
 

Under what circumstance the insurance company will cover the cost of the new roof ( regardless of roofing company involvement )? I don't think we had a sizable storm lately to damage many roofs but I hear many people installing a new roof on insurance company's dime.. Puzzled..

Worst time to get a new roof. Its the rainy season. I hope your roofer tarps your roof correctly while he takes the day off due to torrential rains.
Good luck!

No, YOU are paying for all these bogus roof claims for the next several years through artificially inflated premiums.

The issue is once you sign the Assignment of Benefits, you've basically tied the hands of your insurance company. Sure, they can contest the claim filed by the contractor which is invariably 30-40% higher cost than if you contracted with a reputable roofer. The roofing companies have hired a battery of lawyers that will ultimately cost the insurance company much more money in legal fees than if they simply paid the inflated claim. Or, they can roll over and pay it. You can suffer in two ways: (1) the aforementioned poorer quality may result and (2), your insurance company may annotate your file as having filed a fraudulent claim, which they share with all the other insurance companies. You make out this year, but expect to either see your homeowners insurance canceled the following year or they jack up your premium so high it is out of sight. If you have your homeowners insurance canceled, good luck in getting another company to give you a good deal ...... remember that fraudulent claim information sharing.

The “Door to Door” roof inspectors will have you sign a contract after telling you that you need a new roof. Some will “Tarp” sections of your roof to prevent leaks if it rains. If your insurance company denies the claim, you will have to pay the roofer for tarping your roof, usually about $1000.00. You have no recourse as you signed a contract that you didn't read.

Our governor signed a bill effective July 1 2021 that roofers cannot contact homeowners by knocking on doors, pamphlets, business cards, emails, letters, etc. The fine is $10,000. This will curb their business greatly and stop them from climbing on roofs and finding some damage and having the insurance co pay which results in many claims being submitting prematurely, companies canceling H/O insurance ad rising H/O insurance costs. The insurance companies do not pay if there's no damage but replacing a roof with some damage may mean that roof would have been good for many years past that inspection without replacement.