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Thursday, October 13, 2011

Roof Replacement and the New Insurance Scam

In the old days, about eight months ago, there were 30, 40, and 50 year laminate roof shingles available. GAF started an intergalactic battle by relabeling all it's products, except for the three tab, as lifetime, or 50 year if you read closely. This has lead to a new insurance scam that has left many homeowners in a position where the criminal roofer accepts insurance money for a 40 year and puts on what was a 30 year. But it's worse than that.

Because no 40 year grade exists, the insurance actually owes for the old 50 year super heavyweight or a class IV impact resistant roof that can save anywhere from $300.00 to $600.00 per year on your premiuns. 27% in Dallas County and 30% in Tarrant.

So by allowing the doorbell roof access to your roof claim, he has been paid for a 40 year, has put on a 30, and the homeowner loses $10,000.00 over the next decade. This is because the only savings are not just insurance premiums. The small storms that damage most roofs won't get a good class IV roof and your premiums are going to go up and so are your deductibles.

Plus any scam artist that knowingly takes your money, puts on a cheaper roof and keeps you from saving money will also ignore the 300 Rule of Balanced Ventilation and leave you with higher utility bills, a roof that fails sooner and is not covered under even the minimum warranty due to the caveats written into the material warranties, exterior paint that fails sooner, and respiratory aliments for the homes inhabitants. Even cancer if he creates negative pressure in your attic that pulls nasty stuff into your home through foundation cracks like radon gas can occur.

Other items the roofer will steal from your roof system are the heavy duty enhanced ridge the insurance might have paid for but he put on a 20 year instead (on your heavy duty roof). He might have billed for new metal edge, patio covers, pipe jacks or put on cheaper pipe jacks, valley metal.....the list goes on.

Ryan told me that when Bold did his neighbors roof they pulled out the metal valley and put none back. Salvage time.

Sometimes it takes a while to get the additional money and sometimes  the insurance company fights it hoping you'll go away but if you let us handle it we won't give up. No less than 20 people were upgraded by us this year and rightfully so. They are the ones who will win in the end. We don't make much more by getting the upgrade. Our percentage of profit or cost benefit to risk goes down but the total dollars of profit go up a little. for the many hours it can take it is not a money making effort we do. We do it to help our customers.

Jon Alan Wright
Jon Wright Roofing, Siding, and Windows
1915 Peters Rd., Suite 310
Irving, TX 75061
972.251.1818 Office
214.718.3748 Cell
972.554.8090 Fax
    Follow jwrightroofing on Twitter

1 comment:

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