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Post by AN on Apr 12, 2016 15:51:22 GMT
I am also in the DFW area and those storms yesterday were crazy! A few years ago we lost all of the windows on one side of our house and our roof in a tornado. This is what worked well for us. YMMV. We hired a repair company first. It was a company that came highly recommend by friends and we checked the company with the BBB and other online resources. This one company handled both the windows and the roof, which was very convenient. The rep we worked with at the repair company was here when the insurance adjuster came. The rep made sure the amount reached by the adjuster was high enough to cover the repairs. We ended up not even having to pay our deductible bc the amount from the insurance company was enough to pay for everything. I really believe having the rep here while the adjuster was here got us a higher amount. Take pics of everything (broken glass, etc.) before you clean it up. Look on social media for stories and pics of the storm and screen shot them. Thanks - this is what the construction company the pea referred me to does. He said I set up the time for the adjuster, he'll be here -- and they handle everything from there on out. He has reliable sub contractors, and he is a repeat customer to them (I found this is VERY valuable when working with a wedding planner, you get better service when you have that advocate/relationship on your side. We get the payment from insurance and then pay him, but he works on scope, so we shouldn't end up with anything beyond deductible out of pocket, possibly not even that. I like the suggestions to consider some upgrades (hail-resistant roof, etc - I was thinking maybe we want to look into the gutters that have a cover for one side of our house where they fill up pretty regularly).
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janeinbama
Pearl Clutcher
Posts: 3,174
Location: Alabama
Jan 29, 2015 16:24:49 GMT
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Post by janeinbama on Apr 12, 2016 15:57:02 GMT
Love the POWER OF REFUGEE PEAS!!!!!!
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Post by wagleg on Apr 12, 2016 16:48:08 GMT
Hit me with your best tips for dealing with home insurance claims and adjusters. There was a major hail storm last night with softball sized hail and 70 mph winds. We have 5 broken windows (terrifying) , more broken screens, roof and all the roof vents need replaced, gutters and downpouts, some light fixtures, ac/heat unit is dinged but seems functioning. Inside the attic, the hail was so hard it broke through the plywood in some places (but shingles and tar seem intact on top of the spots, which is crazy). Our whole town was badly impacted, but most of the rest of Dallas was only minorly impacted so I'm hopeful it won't be too hard to find fast window repair. Funny enough, I had made an appointment earlier yesterday to have a recommended roofer come out and look at it tomorrow, to check for damage from a hail storm 2 weeks ago. So I already have that lined up which is so helpful. I already filed a claim and an adjuster will call me today or tomorrow. I know my hail-specific deductible. How do I: 1. Make sure I don't miss damage I may not be able to see (for example, we have a screened patio and unbelievably, the screens aren't torn... but they may warrant replacement if they stretched out) 2. Make sure I get paid everything I am entitled to? How will I even know if a suggested payout is reasonable? 3. Manage repair services? It sounds like lots of companies around here do the repair for whatever your payout is, no deductible. I am not commenting on the legality or morality of it, but it seems pretty widely advertised so wondering about that kind of thing. I know I need to wait until I talk to the adjuster before getting repairs scheduled, but I'd like to be first in line on the windows and roof especially. All tips and tricks welcome. We ended up getting off pretty easy compared to how bad it could have been, but still was a mess of tons of broken glass, water, etc. So yesterday right before the storms came I had Swan roofing out. I live in Plano, so you can also give them a call. Basically he said the adjuster will come out, they determine price by arial satellite and cut a check. We have roof, gutter, copper roof, and fence damage. I will use swan again as they will do all the repairs instead of piece mealing it out. And they put my current roof on 17 years ago and I've never had a leak or lost a shingle.
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Post by myshelly on Apr 12, 2016 16:49:09 GMT
I am also in the DFW area and those storms yesterday were crazy! A few years ago we lost all of the windows on one side of our house and our roof in a tornado. This is what worked well for us. YMMV. We hired a repair company first. It was a company that came highly recommend by friends and we checked the company with the BBB and other online resources. This one company handled both the windows and the roof, which was very convenient. The rep we worked with at the repair company was here when the insurance adjuster came. The rep made sure the amount reached by the adjuster was high enough to cover the repairs. We ended up not even having to pay our deductible bc the amount from the insurance company was enough to pay for everything. I really believe having the rep here while the adjuster was here got us a higher amount. Take pics of everything (broken glass, etc.) before you clean it up. Look on social media for stories and pics of the storm and screen shot them. Thanks - this is what the construction company the pea referred me to does. He said I set up the time for the adjuster, he'll be here -- and they handle everything from there on out. He has reliable sub contractors, and he is a repeat customer to them (I found this is VERY valuable when working with a wedding planner, you get better service when you have that advocate/relationship on your side. We get the payment from insurance and then pay him, but he works on scope, so we shouldn't end up with anything beyond deductible out of pocket, possibly not even that. I like the suggestions to consider some upgrades (hail-resistant roof, etc - I was thinking maybe we want to look into the gutters that have a cover for one side of our house where they fill up pretty regularly). Good luck! I know you've heard some horror stories here, so I just want to offer some hope and say that it was painless for us when we went through the same thing (not that you still shouldn't be careful). The insurance adjuster and contractor rep met once at our house, agreed on a price in less than an hour, and the insurance co sent a check to the company. Everything was fixed in less than a week with no cost out of pocket for us.
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daisydonna
Full Member
Posts: 265
Sept 5, 2015 11:45:16 GMT
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Post by daisydonna on Apr 12, 2016 16:56:07 GMT
When we had water damage our insurance actually handled all of the repair...gave of names of who we could use etc. the only thing we had to do was pick out carpet and for that they had a set amount of money.
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Post by mlynn on Apr 12, 2016 17:25:09 GMT
Nope. FIRST THING Confederate Joe did was get that flagpole back up. He had 6 broken house windows and 3 broken car windows. But ain't nothin' gonna get fixed til that flag is back up. He's the worst. I can see that. It is the one thing he could do something about. Repair places are most likely swamped with all the people needing help. Plus the items to repair require a significant outlay of cash. He doesn't have any insurance money or authorization yet. He probably doesn't have the know how to take care of the other things. I would give him a break on this one.
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Post by AN on Apr 12, 2016 17:33:47 GMT
Nope. FIRST THING Confederate Joe did was get that flagpole back up. He had 6 broken house windows and 3 broken car windows. But ain't nothin' gonna get fixed til that flag is back up. He's the worst. I can see that. It is the one thing he could do something about. Repair places are most likely swamped with all the people needing help. Plus the items to repair require a significant outlay of cash. He doesn't have any insurance money or authorization yet. He probably doesn't have the know how to take care of the other things. I would give him a break on this one. He apparently had a stash of plywood because immediately after pulled out his table saw and got to cutting wood to cover the windows. There shall be no passes for Confederate Joe!
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Post by mlynn on Apr 12, 2016 17:47:26 GMT
When we put on a new roof, we ended up putting on a 50 year roof (instead of a 30 year roof). The cost difference was pretty minimal. Plus, I did not want to have to put another new roof on in a few decades.
Ask the contractor if there is anything you should be considering. Ours made some suggestions that we went with and never even heard of before.
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Deleted
Posts: 0
May 19, 2024 6:19:44 GMT
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Post by Deleted on Apr 12, 2016 17:54:56 GMT
I'm so glad you are safe! That had to be pretty scary. Your neighbor sounds like quite the piece of work.
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Post by jcmom04 on Apr 12, 2016 18:34:22 GMT
We got hail damage in the storm a few weeks ago (we are in south DFW) so I can't imagine what you went through yesterday. But our roofer is a contractor and he pointed out the seals of our windows were damaged on one side of the house and to make sure the adjustor included those in our payout.
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Post by Really Red on Apr 12, 2016 19:20:40 GMT
Ugh! I saw pictures of the destruction. You're probably pretty lucky that this is happening to everyone in your area. I work for an insurance company and when things like that happen (floods, etc), we put out a bulletin and the reps all know what to do. There's a lot less stress than you'd normally have. I hope that's the case for you.
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Post by scraplette on Apr 12, 2016 22:30:46 GMT
I'm taking notes, and apologize for learning via your experience. Although we are in Plano we didn't get damage yesterday or in last storm. The neighborhood across the street had softball size hail last time, so it's a complete fluke. With skylights, our days are numbered!
My high school sons were picking up their jeep after having some work done near 75. It was almost complete when the sirens went off, paperwork was finished when the rain started. The adult workers handed them the keys and told them to take off before the storm arrived. I am still annoyed adults did that. The boys went about a mile before pulling onto a median near Collin Creek mall under some trees. The youngest was snapchatting videos, they were getting hit with larger than golf ball size.
I think my oldest should have known better and stayed inside, but the adults should not have encouraged young drivers to go after the sirens and warnings. They know these things usually pass quickly and the store was still open for another two hours. My husband said the workers probably wanted the berth space for their cars and weren't thinking about their driving.
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