Home › Roofing FAQ’s › Roofing Scams There is probably nothing that attracts scam artists faster than disaster, and unfortunately the roofing industry has it share of shady characters. The main goal of Accent Roofing is to eliminate as many as possible. We are going to list a few to be aware of: (1) Paying money up front: Never give any contractor money for work not done, or to buy materials. Any reputable contractor has a supplier that will work with them. (2) Substantially lower bids: This can work in a couple of ways. The most common is adding to the contract after the job is done. Crooks know that the insurance company is paying replacement and will submit the final bill reflecting the actual cost. Most insurance companies will pay the invoice. In some cases the bid is just flat too low and doesn’t cover all the costs involved and still allow a profit. In this case bills don’t get paid. It might be the phone bill, the rent or the tax bill, but there isn’t enough money to go around. So what, you say. In most cases it is the material bill that doesn’t get paid, and the supplier has the right to put a lien on your property forcing you to pay the material bill. Remember someone delivered material to your property, and it needs to be paid for. (3) Submitting two invoices: One to the home owner and one to the insurance company at an inflated price. This by any definition is insurance fraud and is illegal, and from time to time is prosecuted. If you decide to use a contractor willing to do this don’t be mad if you get cheated. You knew you were dealing with a crook from the start. In any case there is no need to be afraid, just be cautious and aware. There are lots of reputable companies to choose from that will do exactly what they say they’ll do. Accent Roofing is in that group. Ready to get started with your Georgia roofing company? Then give us a call to speak with one of our agents about our professional roofing services or fill out our online form to schedule your free quote.
The duty of an insurance adjuster is to give you an accurate accounting of everything that was damaged by the storm and a written estimate of what it will cost to put your property back to the condition it was in prior to the storm. Remember, this is only an estimate and actual costs may vary. This is easily resolved between the adjuster and the contractor. In any case you are going to be liable for the amount of your deductible and no more. The adjuster will either leave you a statement of loss or you will receive it in the mail in a few days. The statement of loss will itemize your losses, and the estimated cost of repair for each. Most home owner policies are replacement cost and will pay that amount even though the actual cost may exceed the adjusters estimate. The loss statement will reflect the replacement cost value (RCV), the depreciation, and the actual cash value(ACV) of your loss. The (ACV) column of the statement will reflect the amount of your first check minus your deductible. The depreciation column should be called the deferred column as it reflects the money held back by the insurance company until the work is complete and an invoice is submitted by the contractor for payment. The insurance company will then issue another check to you for the exact amount between the final bill, and (ACV) portion of your first check relating to that particular repair. For that reason, they will tell you to get estimates to repair the damage, most will not tell you that you are spending your time shopping for the insurance company, as they have held out money as depreciation and will pay only the (RCV) for the repairs. As time goes on many home owners will realize that it is reputable companies like Accent Roofing that are actually looking after their interests in the repair process.