It’s a sad fact, insurance claims and the restoration contracting work that arises from it can be fraught with dishonesty - yes, on both sides.
When an adjuster denies obvious damage because they have an ax to grind with a roofer, that’s as bad as a roofer who is trying to get an undamaged roof bought.
Thankfully, in my experience both of these situations are pretty rare.
And, admittedly, just as rare is the scenario I present in this episode of AdjusterTV..
I’ve caught it three times in my career, but I’m sure it occurs much more often. What is it?
A roof salesperson overcharges a customer.
I know, I know.. it’s probably not all that rare.
NOTE TO ROOFERS and other contractors: Situations like this make it difficult to take the tears and bellyaching that comes when we tell you we can’t pay extra for plain ridgecap or 4 extra roofer hours for realigning satellite dishes.
But in this case, the roofer overcharged the insured by at least 5 times.
The two prior times this has come up, it was when I went to settle with the insured and they flipped their lid when they saw how much I was going to give them for their roof. They frantically shook the paid invoices for when they had the roof replaced the year before and in both cases paid at least 3 times what Xactimate came up with.
So what do you do in this situation?
Calmly explain that you’ll be happy to work with whatever contractor they choose. Let them know that once they start getting estimates to call back if they’re coming in higher for the same scope of work.
In the first case (Wisconsin 2008) the insured called me back 3 weeks later to apologize. He learned that he got taken to the cleaners. He told me he should have gotten more than one estimate to get the work done.
Never heard back from the second guy (Brooklyn, NY 2012).
I will always maintain that contractors are, by and large, an honest bunch who are just trying to build their businesses and make a living.
But there are bad apples among them and it’s an uphill battle for them to overcome the conventional wisdom about contractors.
Same goes for IA’s.