Roof Repair Insurance Claims and Sundance Roofing with offices in Indianapolis, Tulsa and Oklahoma City
False Claims and Roofers:
In the article, Stay Covered: Insurance Ins and Outs by Consumer Writer Phil Mulkins, he and David
Vaughan of Vaughan Insurance Group give excellent advice about home insurance policies related to
storm/ roof coverage. His policy advice is comprehensive and welcomed. In fact, I found it so useful
that I’d like permission to post it on my website for reference. However, he definitely is out of his
element when reporting about roofers scamming after a storm.
This is obviously the insurance company and media point of view. Moreover, it uses the roofer
competition’s statements to anchor the point. Accepting this statement as fact would be like printing
Allstate’s opinion about State Farm’s policy benefits. I’m sure that Phil’s article is well-meaning and
over all very useful. Just the same, I’d like to offer a counterpoint that further serves the homeowner
and roofers alike.
Insurance records illustrate that as much as 82% of roof repair insurance claims are settled with
roofing contractor assistance after an insurance-assigned adjuster has underestimated the job. This
assistance is typically rendered in the form of an inspection and estimate. Next, the roofer submits a
“supplement” or request for additional monies on the homeowner’s behalf.
After a major hailstorm or other catastrophic event, local roofing companies cannot handle the
massive increase of calls and will typically back log calls or jobs for months. Consequently,
homeowners experience complete lack of service response to both emergencies and regular service
calls from local roofers. As a local roofer (http://MySundanceRoofing.Com), I’ll attest to the fact that,
although we welcome the overflow of new customers and despise some of the so-called “storm
trooper” out-of-towners, we all admit to not being able to handle the business.
Local and out-of-town roofing companies hire as many qualified bodies as possible to answer the
overflow. Most knock on doors because that’s where the damage is. A qualified roofer can see
severe hail damage from the street or on the roof and find willing customers, often in an emergency
condition. This process, while obviously offensive to a few is an aged old American tradition called
free enterprise. In this instance, the tradition fills an urgent need as many of these homeowners
cannot get a roofer on the phone or find roofing supplies. The relationship often evolves into massive
amounts of commerce, which in turn, fuels our local and national economy.
It only takes one or two “scammers” to start the bad press. While we certainly hope consumers will
start their search with locals, a roofer doesn’t have to be from our neighborhood to be licensed, skilled,
established or accredited. For more information about qualifying roofers try Googling their name or
creating a checklist of credentials to prove their track record.
In conclusion, you cannot be a fraud victim if you don’t pay in advance. When re-roofing via a roof
repair insurance claim, never pay until the work is completed. Well established, reputable companies
practice this policy. If you do the same, you are in control while the contractor is the one taking the risk
of being the victim as they wait for your approval before getting paid. In the meantime, David’s advice
about reviewing your policy in advance is well founded. Enjoy the article and let us know if you need
assistance reviewing your policy or roof before storm season.