As some readers may recall, in October of this year we had a "roof event" - a hail storm, which caused a fair amount of damage locally and impacted our roof. As you might recall, the adjustor came out and gave us an estimate - $18,000 - to replace the roof. Due to a clause in our insurance policy, we were only reimbursed for the value of the roof as it existed, not the replacement cost - around $2,100 for a settlement.
The company that originally been out with the adjustors - our "good friends who where here for us" - did not even give us a quote and disappeared. I regrouped and found a second roofing company recommended by a local neighborhood group. They came out and gave us an estimate - at 13% more ($21,000) for replacement. Although they acknowledged the quote, they also noted that "their repair people always found additional issues which they took back to the insurance company". Although I had indicated that this would be a direct cash transaction, that apparently did not matter.
And then, mysteriously, they stopped answering my calls.
This week - again - I looked yet another recommendation, this time using one on the neighborhood group from a friend from the Rabbit Shelter. They came and looked - and gave us two options, standard 20 year roof for $15,500 or impact resistant shingles for $16,500 and explained why that might be a better idea as it would enable a homeowner's insurance discount.
His one comment was "Your home insurance is awful". We both laughed.
And, they even offered to let us put the down payment on the credit card (not their usual practice, but he knew we were paying out of pocket) so we could get points on our credit card.
We pick colors of the shingles the week after next; installation will be 2nd to 3rd week of January, given weather conditions.
I really do try to believe the best of people. But a 21% price difference stretches even the bounds of my credulity. And pre-supposing that you will find damage before you look is, well, a little bit unbelievable as well.
Sure, there are lots of reasons I complain about insurance companies. But it cannot be all one-sided. If people look at insurance settlements as open cash register pay days, it is no wonder rates eventually go up.