Hurricane Irma, Brand New Roof, Losing Shingles Left and Right
#1
09-10-17, 08:21 PM
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Hurricane Irma, Brand New Roof, Losing Shingles Left and Right
As I type Hurricane Irma is blowing over our home. Our new roof was finished under an insurance claim two days before Irma arrived. The winds are about 70mph when gusting - so all in all not that bad (I mean, we still have power). The rooding work was finished on Friday afternoon by a subcontractor to our insurance provided general contractor. There was no final inspection conducted by the insurance company, the general contractor or the county. There is still additional work to be completed under the insurance claim (new gutters, insulation, interior painting, etc.). I've found two leaks in the attic after the new install and picked up about 30 shingles around the home (so far). There is a three year warranty that comes with the work, but it specifically states after the work has been completed. I'm guessing the shingles didn't have time to get hot/tacky and adhere, but that is purely a guess.
My question is, how do I approach the loss of shingles and leaks as to avoid filing a hurricane insurance claim? Do I keep my mouth shut and wait for the county to inspect and fail the roof? Do I play dumb and say "I have no idea where the shingles went?" Do I call the insurance company and say the unfinished work resulted in additional damage to the home? I haven't paid a dime to any party involved, but I really don't want to get into a legal dispute either. Any thoughts would be greatly appreciated.
My question is, how do I approach the loss of shingles and leaks as to avoid filing a hurricane insurance claim? Do I keep my mouth shut and wait for the county to inspect and fail the roof? Do I play dumb and say "I have no idea where the shingles went?" Do I call the insurance company and say the unfinished work resulted in additional damage to the home? I haven't paid a dime to any party involved, but I really don't want to get into a legal dispute either. Any thoughts would be greatly appreciated.
#2
09-10-17, 09:10 PM
Playing dumb won't do much good. It's clear that the bad weather sent the shingles flying. Waiting for the county could take forever. I don't know how they would help. Suppose you contacted the adjuster who handled the original claim? I think that would be your best bet. Just tell him to look at it.
#3
09-10-17, 11:36 PM
Super Moderator
Why the heck would they have re-roofed just 2 days ago? They knew as well as anyone you would likely be having severe weather.
My thoughts are that the insurance is gonna say exactly what I said above to the GC and the sub and that they aren't getting paid until they fix the additional damage at no charge. Which means you will need to keep a close eye on any further work since they aren't going to be happy campers.
If you even get the same crew back, that is. Right now there are scam artists all over the country salivating profusely. First TX and now FL....it's like xmas came early for them.
My thoughts are that the insurance is gonna say exactly what I said above to the GC and the sub and that they aren't getting paid until they fix the additional damage at no charge. Which means you will need to keep a close eye on any further work since they aren't going to be happy campers.
If you even get the same crew back, that is. Right now there are scam artists all over the country salivating profusely. First TX and now FL....it's like xmas came early for them.
