When to Sign Letter of Intent or Roof Contract

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DONNA WILHITE

Subject: NIGHTMARE

AFTER SEVERAL STROM WINDSTOMRMS AND HAIL STORMS; MY INSURANCE COMPANY SENT AN ADJUSTER TO MY HOME; I WAS INFORMED, AS USUAL, THE MY DEDUCTIBLE WAS MORE THAN THE DAMAGE; WHICH IN THIS CAUSE WAS A TOTAL LIE.

I SUPPOSE THIS HAPPENS TO A LOT OF GOOD PEOPLE THAT HAVE TO PAY A LARGE AMOUNT EVERY MONTH; BECAUSE THEY HAVE A MORTGAGE COMPANY THAT EXPECTS PEOPLE TO CONTINUE TO KEEP THE PROPERTIES UP KEEP, BUT THEY DON'T WANT TO PAY THE CLAIM! INSURANCE COMPANIES WANT TO TAKE YOUR PREMIUM EVERY MONTH, FOR YEARS; AND THEN THEY WANT YOU TO PAY THE MOST OF THE EXPENSIVES! WHICH IS A RIP OFF; AND EVERYONE KNOWS HOW THIS DEAL WORKS! THATS WHY INSURANCE COMPANIES ARE WEALTY AND WE THE PEOPLE ARE MAKING THEM WEATHY! STUCK BETWEEN A HARD PLACE AND A ROCK!

Cynthia Wilson
Cynthia Wilson

Subject: Donna, if it were me, I'd get

Donna, if it were me, I'd get a local roofer, with a legitimate business location out to my home to inspect the roof and assess the amount of damage from the storm. You don't have to sign a contract to do this.  Many roofers offer free estimates, but you should ask.  If the roofer says there's damage, ask how much it would cost to fix. Get more than one opinion.  If the amount exceeds your deductible by an amount worth your while to file a claim, let the roofer you most trust and would use to fix your roof represent you in filing your claim. He or she will meet the adjustor at your home to assess the damage and provide the supporting documentation for your claim. 

I think homeowners have up to a year to file a claim after storm damage. Sometimes the damage isn't immediately obvious.

 

 

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I second the original question (still unanswered). Speaking as someone who logged in today to try to find an attorney, I see this category as one that's exactly what I have my Angie's List membership for:

1. It's important that I find a good one
2. I'm not an expert enough to know myself who is a good one
3. The industry is full of advertisements and misinformation
4. I wish I knew what experiences other people have had


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I don't care about lawns--I planted mine in clover and don't have to mow it. When I do need to mow I use a rotary Fiskars mower, which is great--or a scythe. That's right--a scythe (the European type, which is smaller, and it's very good exercise). Gas-powered mowers, chemical fertilizers and weed killers--all nasty stuff that gets into everyone's air, soil, and water. I'm sure my neighbor doesn't like my wildflowers, semi-wild pockets of fruit bushes, and unmown areas and yes, dandelions (I have 10 acres) but that's too bad. It's better habitat for wildlife, especially the pollinators on which our food supply depends. I think this obsession with the Great American Lawn is a waste of time and resources. Plant some food instead.


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I'm not sure Angie et. al. want you to have a complete answer to this question. By re-subscribing at the Indiana State Fair in 2012, I think I paid $20.00 per year for a multi- year subscription. Maybe even less. At the other extreme--and I hope my memory isn't faulty about this--I think the price, for my area, for ONE year was an outrageous $70.00. And they debited me automatically without warning. I had to opt out of that automatic charge. I like Angie's List, but if some of the companies they monitor behaved the way they do in this respect, they'd be on some sort of Pages of Unhappiness. I'll be interested to see if this comment gets published or censored out of existence.
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That's very difficult to answer without seeing the house. As one poster said, the prep is the most important part. On newer homes that don't have a lot of peeling paint, the prep can be very minimal even as low as a couple or a few hundred dollars for the prep labor.

On a 100 year old home with 12 coats of peeling paint on it, then the prep costs can be very high and can easily exceed 50% of the job's labor cost.

A 2100 sq ft two story home could easily cost $1000 just for the labor to prep for the paint job. That number could climb too. Throw in lots of caullking  or window glazing, and you could be talking a couple or a few hundred dollars more for labor.

Painting that home with one coat of paint and a different color on the trim could run roughly $1000 or more just for labor. Add a second coat  and that could cost close to another $1000 for labor.

For paint, you may need 20 gallons of paint. You can pay from $30-$70 for a gallon of good quality exterior paint. The manufacturer of the paint should be specified in any painting contract. Otherwise, the contractor could bid at a Sherwin-Williams $60 per gallon paint and then paint the house with $35 Valspar and pocket the difference. $25 dollars per gallon times 20 gallons? That's a pretty penny too.

That was the long answer to your question. The short answer is $2000 to $4000 and up, depending upon the amount of prep, the number of coats, the amount of trim, and the paint used.