New roof after hail damage - dealing with contractor

[spoon2001]

We had a hailstorm in our area and many people have had their roofs replaced in recent months. I am currently dealing with a roofer's representative about replacing the roof. The insurance adjuster came out and he has made his report. Here is summary:

shingle tear out, 36 sq at $20 replace shingles, 3-tab, 41 sq at $101 steep slope allowance, 41 sq at $12 repaint fascia and metal awning exhaust vent / plumbing vent replacement window screen replacment outbuilding roof replacement

Roofer is proposing to replace asphalt 3-tab with Pinnacle 30-year architectural shingles. I don't have anything in writing yet, but he is saying that the Pinnacle 30s would cost me $20 more per square than the $101 quoted in the adjuster's report, in other words, around $121 / square.

The adjusters report included payment for work that I'm not likely to have done (replace screens for windows, when I want to replace the windows instead; new roof on an out-building that I will ultimately bring down.) Roofer rep says he'll bill me for the whole job and then when I pay, they'll send a check back for the work budgeted by the adjuster but wasn't done.

I just want to make sure that I'm getting a fair deal and want to make sure that everything is done right, but I am very ignorant about roofing. I just want to be assured that they aren't charging too much for the roof replacement (have done Google searches on Pinnacle prices, haven't found much yet), and that they do all the work needed as it should be done. e.g. not doing the cheapest job possible, cutting corners, for the fixed price.

Can anybody give me any advice on these questions or point me to a good website?

[spoon2001]

Ah, I didn't make that clear. The job is to replace the entire roof on both the house and the outbuilding. So in other words by 41 sq I meant 41 square or 4100 sq ft., not 41 sq. ft. Adjuster's quote was 41 sq. @ $101 replacement cost = $4174.

I lived here many years, never heard hail like that ever before! But oddly enough I didn't even think about hail damage to the roof, only to the cars. And it wasn't until the roofers came swarming around that I even really noticed the white spots up on the roof from the hail. Fascia painting really took a beating too.

It seems as if just about everybody around here is replacing with laminate shingles like the Pinnacles my guy is talking to me about.

[spoon2001]

I don't really know him, but I did talk to somebody up the street who had their work done by him, and they were happy.

But I am thinking I want to get it in writing that they will sent me a check back for any budgeted work that is not in fact done.

[Duane Bozarth]

I would expect to get a check for the settlement directly from the insurance company...what I do w/ it is my business.

[Joshua Putnam]

The way most insurance policies are written, you'll get depreciated Actual Cash Value if you want a check up-front, Replacement Cost paid only after the replacement work is done.

I'd be wary of asking a contractor to promise in writing that he'll bill for work not done and pass the excess on to you, if your insurance company gets picky that's written proof of a prior consipracy rather than simple insurance fraud.

Read the "Loss Settlement" provisions of your own insurance policy to see whether you get replacement cost or ACV, and whether you have to actually do the work to get a replacement cost settlement.

[PipeDown]

Are you replacing the whole roof 41 squares (41 bundles) or 41 square feet (a small portion of the roof)

If it is just a portion, why would you put a small patch of premium shingles in the middle of a roof that won't last as long as the repair. Get a shingle that matches the roof color best and has a lifetime comperable with whats left on the roof.

If you are replacing the whole roof, it was not age related waer out that made you do it but damage by hail. Another hail storm could trash your more expensive roof later before it reaches the end of its life. (has this happened before? how often does hail get that bad?).

Given that an act of nature could seriously reduce the life expactancy of that roof, unless the new material is more durable against hail, I would go with the cheaper brand. If the insurance company will verify that they will pay reasonable excess charges later, go for it, but it is also possible they will make you pay the difference for an optional upgrade. Have you asked about slate or concrete (slate look) tile roof, that should take a beating.

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[Edwin Pawlowski]

How well do you know and trust the roofer?

[Tony Hwang]

Hi, I had hail damage on my sun room roof few years ago. It was total. Roof/sky lights, etc. Literally smashed. My insurance adjuster looked at it, wrote me a check for the damage at current value minus deductible. I called original contractor who built the room, told him My max. budget is the value of check all inclusive for the job. He was more than glad to comply. I got new roof/sky lights made of better material with better R value. Zero dollar out of my pocket. Tony

[twfsa]

I had my roof replaced 32 sqs. the difference between the 3 tab asphault and the asphault architectural $500(looks like a shake shingle).

Tom

[Duane Bozarth]

Joshua Putnam wrote: ....

....

Not what I said (at least meant, anyway)...I inferred the OP's proposed repairer was asking the check be signed over to him (the roofer) not given to the homeowner...