McKinney Roofing Contractors Failure Almost Leads to $0 Claim

Insurance Referral

We received a phone call from an insurance agent that we work closely with that had a client looking for a McKinney roofing contractor. They had two rental homes in McKinney they wanted checked out. The two homes had a hailstorm, and the homeowner wasn’t sure the extent of the damage.

We inspected both houses and while there were a few hail hits we informed the homeowner it was very minimal. Let them know the houses were fine and nothing needed to be done at that point. They were very excited to say the least but let us know after we told them they had a different McKinney roofing contractor inspect their homes a week before.

Dishonest McKinney Roofing Contractor

The other McKinney roofing contractor let them know both homes had extensive damage and wanted them to file claims immediately. She was in process of filing the claims, but her insurance agent wanted the roofs inspected by a McKinney roofing contractor he trusted first.

Many roofing contractors claim there is damage and get claims started. It does a disservice to the homeowner when they do this though. Some McKinney roofing contractors do it because they are dishonest, and they hope they can throw enough claims against a wall to see if one sticks.

Don't File a Claim

The problem with this is claims hurt a homeowners insurance record even if they result to nothing being paid or fixed. Most insurance companies don’t allow two claims within three years if you want to sign over to a different carrier.

Other McKinney roofing contractors because lazy or not educated on how much damage is needed. General rule of thumb is you need ten hail hits in a 10×10 area on the roof on each side. So, if a roof has damage but it’s just a few small spots it’s best to wait until another storm comes to file an insurance claim.

Luckily the insurance agent had us check the roofs before claims were made so there was no harm done. Just frustrating for homeowners as it can be very confusing when hearing multiple opinions. You would think it would be more straightforward of dictates an insurance claim.

Do Your Homework

Always check reviews and do a little research of McKinney roofing contractors you are looking at hiring. BBB can be a good source to make sure no complaints on a roofer that you are looking at. If the roofer does claim you have damage, they should be able to provide a combination of pictures and video. Every legitimate McKinney roofing contractor will provide that with their report.

Getting a referral from your insurance agent can be a good idea as well. Usually, the roofers that work in conjunction with agents are a good option. Most insurance agents will give you three referrals and its companies that are honest and not going to mislead the company.

Referrals Matter

If there was a McKinney roofing contractor that kept telling homeowners to file claims that didn’t have damage that would be a short-lived relationship between the insurance agent and roofer. The roofer receiving referrals from an insurance agency also will know how to work well with that insurance company.

Every insurance company has different policies and operate different. To make claim a smooth process it’s best use a roofing contractor that has experience with that company. Many times, insurance companies won’t cover damage that is in a result from workmanship from the previous work if it was done incorrectly. Working with the wrong McKinney roofer could lead to a denied claim or the claim process taking much longer than it should.