Explaining Supplements to Homeowners: How Roof Insurance Claim Supplements Work

[@TheRoofStrategist]

WHEN do you explain supplements to homeowners?

[@joetwo7951]

The best time to overcome an objection is before the objection. I let homeowners know that the insurance is going to lowball before I even file the claim.

[@TheRoofStrategist]

@@joetwo7951 YES YES YES! Proper expectations and getting ahead of it! Love this.

[@patrickfort2309]

Best video yet!

[@davidsaitta6351]

Adam, great topic, good info, good segway to training, and fantastic Hair! I don't know how much any of my comments carry weight since I'm new to the industry and also a bald guy:).. Dave.

[@TheRoofStrategist]

Dude. You just gave me a good laugh. LOL Thanks for the kind words :) Glad to have you here and welcome to the industry and the channel!

[@joetwo7951]

Question: what is the recourse for someone that signs a contingency and doesn't do the roof or decides to do a cheap roof in an attempt to keep some of the money? Personally it happen to me once or twice, I just let it go and move to the next one. Is this a good move?

[@davidsaitta6351]

i know a company that has in their contingency form - they are allotted 20% of any/all RCV monies collected if the homeowner doesn't choose them or obligate their "signed" terms.

[@joetwo7951]

@@davidsaitta6351 I have something similar in my contract. My question is how enforceable is it and is it worth enforcing?

[@TheRoofStrategist]

@@joetwo7951 This depends on who you ask. I've sent invoices off for it I feel we were taken advantage of. Sometimes it gets paid. Sometimes it doesn't. I would personally NOT sick an attorney on it because chances are it will cost you more than you'll collect. But yes - many people do send over the invoice (and of course have a convo about it or send it off with a letter).

[@KarenButler-nu6di]

When our roof was finished we got a bill for an extra $2,000 to pay the roofer. He is saying it is an insurance approved supplement. Were they supposed to have me (the homeowner) review and sign off since the money was coming out of my pocket and it was costing me more?

[@TheRoofStrategist]

I would ask to see the supplement and understand exactly what it's for and why the insurance isn't covering it.

[@allaboutroofing2]

If it was insurance approved as the roofer said, than you should have gotten an additional check from the insurance company. If the roof contract was based off the insurance payout, you should only be responsible for your deductible unless you approved addional upgrades or charges or accepted a change order, for say, decking or hidden damage. I'd start by calling the insurance company and ask if they approved the supplement and if so, what it was for and where is the $$..if they didn't approve, email the roofer and let him know that and that you didn't approve the additional charges either.

[@allaboutroofing2]

I might be a bit confused but why did you get a bill if the insurance paid him directly? My state won't allow that and all checks are made to homeowner then you pay the contractor. Maybe it's different where you live. Did he get paid and your asking why you didn't have to sign off on it?