[nantasket]

I lost over 30 shingles in the hurricane. Dean from SkyMark roofing came right over and replaced the shingles in 30 minutes for a very reasonable price.

[Cuervo]

Many of my neighbors including myself got our roofs don't just before Milton and some did not. The few who did not have tarps on their roofs now.
I will tell you my experience we went with a company call Roofing Pro USA LL.
A pretty very young lady who did not seemed dress for the job went up on my roof, came down with her assessment, dealt with the insurance company and The Villages to see what color I was permitted to use. They took care of everything. It was supposed to take two days, but due to rain extended to three.
Now as far as the deductible, it depends which insurance company you're with. As I understand some paid in the neighborhood of $2,000, I on the other hand paid $500.
I am with Farmers, and they are dropping me in 2/20/25 because they are leaving FL.
My neighbor who is with AAA paid $1,500.
I'm not pushing the company that I used but it worked out good for me and when I sign up with a new company, I was told one of the first questions they're going to ask is how old my roof is.

[maggie1]

" I was approached twice by A### to have my roof "inspected" for damage. I had already done a walk around myself, NO missing shingles, no apparent hail damage (no Hail reported), I told them I was not interested."

Amen to that, Tinker! My wife received a phone call from an alleged roofing company (she didn't get the name) who offered a free inspection of our roof to search for missing shingles. When she told me this I tried calling the company back, but the answer from the recorded message was "The person you are calling is on another line,". No company name is given, no way to leave a message and no way to talk to someone on the other end.

Two guys showed up a few days later. There was no company name on their shirts and nothing on the black pickup truck or white SUV to show what company they represented. I told them thanks, but no thanks and shut the door. The roofing scam from a few years ago still stings, especially on insurance premiums.

As many have suggested, contact your insurance company for guidance. They might have people who can replace a few shingles.

[ithos]

It is hard to call it a scam when you get a free roof.

I still believe that replacement of roofs by insurance companies should be pro-rated for age or wear.

[Accidental1]

Originally Posted by Cuervo

Many of my neighbors including myself got our roofs don't just before Milton and some did not. The few who did not have tarps on their roofs now.
I will tell you my experience we went with a company call Roofing Pro USA LL.
A pretty very young lady who did not seemed dress for the job went up on my roof, came down with her assessment, dealt with the insurance company and The Villages to see what color I was permitted to use. They took care of everything. It was supposed to take two days, but due to rain extended to three.
Now as far as the deductible, it depends which insurance company you're with. As I understand some paid in the neighborhood of $2,000, I on the other hand paid $500.
I am with Farmers, and they are dropping me in 2/20/25 because they are leaving FL.
My neighbor who is with AAA paid $1,500.
I'm not pushing the company that I used but it worked out good for me and when I sign up with a new company, I was told one of the first questions they're going to ask is how old my roof is.

Just curious…did you sign an assignment of benefits with the roofing company?

[Rocksnap]

If your roof is in good shape otherwise, just have the missing shingles replaced.
I live in a new area, lots of new homes going up. This area had its share of missing shingles. New roofs haven’t settled in yet to ‘glue in’. All that was done to any of them was to replace the missing shingles.

[Deckboat234]

The insurance company owes to replace the 12 shingles of the roof is in repairable condition. Unless you have an older roof, it is most likely repairable. I would call a local roofer out and have them look at it and give you an estimate. Most likely it will be under your deductible. If not, then turn in a claim. Somone knocking on your door is trying to scam the system.

[Bogie Shooter]

Originally Posted by ithos

It is hard to call it a scam when you get a free roof.

I still believe that replacement of roofs by insurance companies should be pro-rated for age or wear.

Would be a scam if replacing the roof wasn’t necessary………

[ithos]

Originally Posted by Bogie Shooter

Would be a scam if replacing the roof wasn’t necessary………

It may be unethical and immoral but if it doesn't violate the law or is subject to a successful lawsuit then it is legal. It is more like exploiting loopholes that should be eliminated. One idea would be to prorate the insurance payout based on the age of the roof.

If it was a scam then the insurance company wouldn't have paid for it.

[kkingston57]

Originally Posted by zmarkp

My girlfriend lives in a neighborhood hard hit by the recent hurricane winds. Lots of homes with blue tarps covering their damaged roofs. They all have the same roofing company signs in their yards.

So we just got back to town last week and found she had lost only 12 shingles.

Of course we called the company named on the yard signs and they sent a very nice young man out. Because my girlfriend has a large house he said a new roof would cost between $30,000 and $33,000.

But then he pretty much assured us he could get the insurance company to pay for the entire roof, minus her deductible of $2500.

Should we go with that deal? Or just have 12 shingles replaced?

We'd appreciate your thoughts.

Probably scammers. #1 reason is that damages were probably caused by a hurricane and the deductible is a % of the insured value of your home. IE if insured value is 300K and deductible is 2% deductible is 6K. #2 if some missing shingles roof probably should not have a leak necssitating a blue tarp. Scam roofers make $$$ on these tarps.

You need to call your own insurance company

[kkingston57]

Originally Posted by Pairadocs

Many states themselves have prohibited that practice now, I don't think Florida is one, but not sure. Just NEVER DO IT, NEVER, more trouble than you ever dreamed you could get into !

FLorida now has a law prohibiting AOB contracts. I bet roofers have figured out a way to get around the new law(s)

[Windguy]

Never, ever do business with anyone who initiates contact. It’s a simple rule that has served me well.

[nordic tug]

Originally Posted by zmarkp

My girlfriend lives in a neighborhood hard hit by the recent hurricane winds. Lots of homes with blue tarps covering their damaged roofs. They all have the same roofing company signs in their yards.

So we just got back to town last week and found she had lost only 12 shingles.

Of course we called the company named on the yard signs and they sent a very nice young man out. Because my girlfriend has a large house he said a new roof would cost between $30,000 and $33,000.

But then he pretty much assured us he could get the insurance company to pay for the entire roof, minus her deductible of $2500.

Should we go with that deal? Or just have 12 shingles replaced?

We'd appreciate your thoughts.

Find a good handyman, replacement of a few shingles is very easily accomplished, I did my own.

[Andyb]

Originally Posted by zmarkp

My girlfriend lives in a neighborhood hard hit by the recent hurricane winds. Lots of homes with blue tarps covering their damaged roofs. They all have the same roofing company signs in their yards.

So we just got back to town last week and found she had lost only 12 shingles.

Of course we called the company named on the yard signs and they sent a very nice young man out. Because my girlfriend has a large house he said a new roof would cost between $30,000 and $33,000.

But then he pretty much assured us he could get the insurance company to pay for the entire roof, minus her deductible of $2500.

Should we go with that deal? Or just have 12 shingles replaced?

We'd appreciate your thoughts.

Depends on age of roof, what insurance company? Most likely insurance will only pay for repair, which is less than your deductible. If roof is less than 10years, repair out of pocket and move on.

[msmr23@gmail.com]

Originally Posted by zmarkp

My girlfriend lives in a neighborhood hard hit by the recent hurricane winds. Lots of homes with blue tarps covering their damaged roofs. They all have the same roofing company signs in their yards.

So we just got back to town last week and found she had lost only 12 shingles.

Of course we called the company named on the yard signs and they sent a very nice young man out. Because my girlfriend has a large house he said a new roof would cost between $30,000 and $33,000.

But then he pretty much assured us he could get the insurance company to pay for the entire roof, minus her deductible of $2500.

Should we go with that deal? Or just have 12 shingles replaced?

We'd appreciate your thoughts.

When you file a claim, the insurance company sends out an independent inspector. He than reports back to the insurance company. You may choose your own roofer. The roofer talks to the insurance company and agrees on a price. No scam involved. Don't sign anything until your insurance company approves.