This is from Sandy last fall. Had the adjuster out today. Couldn't do the roof because the roof was wet. But we did get into it over the interior painting. Basically shingles blew off letting water into the cathedral ceiling of my large great room and foyer. Ceiling and walls of those rooms needs to be done. The great room and foyer run into each other, so for simplicity you can just visualize it as one very large 30 x 25 , two story room, with 4 walls. In addition to being a cathedral ceiling, part is also over stairs. A ceiling in one small bedroom also needs to be done.
They initially pegged this last Fall at $619 for the interior work, without coming out. Which is obviously a joke. I got two painters for estimates. One quoted $3850, the other $4000. I thought they were on the high side.
So, today the Allstate adjuster was here. It was something else. This woman spent an unbelievable amount of time measuring everything to the last inch. Here's an example of the process. The wall at the front of the house needs to be repainted. It's a contemporary with 7 large windows that form part of that wall. I'd say the windows and the double entry doors amount to 75% of the wall area. So, what does the adjuster do? She calculates the square footage of the wall, and then subtracts OUT the windows and doors.
She says they only paint areas that need to be painted. I say that any painter will tell you that you should ADD for all those windows, because you have to cut in around each one and you could just paint a wide open wall for less than you can paint a wall with all that work. That fell on deaf ears.
After an hour and 45 mins of measuring and computing, I managed to get another $700 out of them. $200 of that was for damage to a sofa, unrelated to the interior drywall/painting. So, she's telling me that $1119 is the cost to repair the drywall, seal, paint etc a great room and foyer that combined are 30ft x 25 ft, two stories tall. It also includes going around 6 recessed ceiling lights, two natural wood beams that cross the ceiling, dealing with a section that is over stairs with a ceiling fan. And doing sealing and repainting of one bedroom ceiling 15f tx 13ft.
I tried to point out the obvious, like going around 7 windows makes the cost go up, not down. And that it's multiple trips for the painter, because you have to do 3 coats with the drywall repair. I got nowhere. Their whole approach is use some low ball cost per square foot to paint, which would be fine if it was just one big wall. But they then take an area like the front wall, full of windows, subtract out the area of all those windows, multiply the little that is left by their low cost per sq ft., and say that covers it.
So, any ideas? Even worse, Fri they are coming back to do the roof estimate. She's already told me what to expect. They deal with it one roof slope at a time. Only if that roof slope has such extensive damage that it can't be repaired will they pay to replace it. And then they will only pay to replace the one slope, ie section. So, I ask what about the fact that 4 roof slopes face the street and three have extensive damage? You'll only replace 3? Answer: Yes. I said, but it's not going to match, it will look like hell. Her answer: We only pay to repair or replace what's damaged, not for cosmetics......
I talked to a neighbor who has State Farm. They had a roof that had less damage and SF paid to replace the whole thing. And it's not like I have cheap premiums. I was paying around $1400 a year and they have just jacked it to $1800.
Any ideas on what to do? She did suggest that I could have a roofer there to make the case for more extensive work. But I'm thinking with the above approach to painting, she wouldn't listen to reason about the work involved with painting a wall with a lot of detail, why would she listen to a roofer?
Any experience with independent adjusters? I'm wondering if I should try to find one by Fri to be here to try to reason with her?