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Ok_Lavishness_8922

that's a bad tarp job. If the roof doesn't get replaced by the insurance you will be on the hook for all the damages they just caused. $750 for that tarp is ridiculous when you could have just bought a single piece of tarp and done it for about$50 in material (I just did one of these yesterday in NE, cost me $38 in materials). On top of that if the roof doesn't get bought you'll still have to replace their damages and your PA. Some roofers don't care about necessity or honesty and try to get a full roof from insurance even when the roof has no damage at all. It could be there is genuine concerns, and it could even be that your roof NEEDS replacing due to natural wear and tear and not an insurance related cause, and they are just trying to help you. but in the end they just shortened whatever life the roof had left and they charged you an insane amount to do it.


tisuanhoc1987

My dad said he can replace the missing shingles but since they told me they could help me to get the roof replaced so I let them do it. Also my roof is high( Need 24 ft ladder to get up there) and steep so I dont want my dad to do it. What should I do now. They said the process may take months to get insurace pay for that.


Btwrestle04

What state are you in?


tisuanhoc1987

Im in Utah


Btwrestle04

I ask because in Illinois you can still act as a public adjuster and a contractor at the same time. I'm not sure on Utah laws, to be perfectly honest, but you as the homeowner should be responsible for hiring a public adjuster. Not your contractor. That likely violates Utah state laws. And yes that is an awful "tarp job."


tisuanhoc1987

can you tell my why its bad?


Btwrestle04

Also you mention that you're in a town home. Are you sure the roof is not covered under your HOA covenants? Townhomes often times have the exterior envelope repairs the responsibility of the HOA/Property Management. Source: I do a shit load of property management work.


tisuanhoc1987

No, the HOA doesnt cover anything. The company who used to manage the community left. We have to take care on our own. There is a guy in this community collect money each house to pay for water bill, snow sholving, lawing. [This is the damages of the roof before they tarp it](https://imgur.com/a/BPEFMsA) I am not sure if they represent me to work with Public adjuster but they said the public adjuster will give me a call in a few weeks.


SoDice

Based on that one photo, it doesn’t appear to be consistent with wind. 3tab shingles would normally flip up, creased or be missing.


Btwrestle04

There is no excuse to run felt paper perpendicular like that. Also he has seriously damaged your shingles before a covered loss has occurred. I know they wrote a scope for $1,200 but was this the area they were covering in the scope of loss? Also was the carrier willing to pay an emergency "tarping" of this area. Either way, the contractor is not supposed to be hiring a public adjuster on your behalf. They can refer you to one, but you should be the one to hire them if deemed necessary.


msn23

How old is the current roof? That tarp is not the most sightly, but using synthetic underlayment as a temp covering is fine. They did expand the area of damage now potentially, hard to tell though without a before pic. A PA can potentially help get this pushed through for a full replacement, but as another mentioned - you hire the PA not the contractor. Although this arrangement is off the record common as there’s relationships contractors have with they’re preferred PA’s. Just do your due diligence on this PA before signing anything. There’s quite a bit more to this but I could get long winded and typing it all out would take forever. With that said, I’m more than happy to connect on a call and go over some details if that would help. Just shoot me a pm.


tisuanhoc1987

[This is before pic](https://imgur.com/a/BPEFMsA)


tisuanhoc1987

My roof is around 18 years old. And my master bedroom has water leaking from the ceiling.


msn23

Based on the photos, that missing shingle damage looks like it’s been there a bit possibly as it’s pretty faded. With the roof being 18 years old, I’m sure the contractor or PA will be going with the non repairable angle. This could be justified, older roofs are brittle and the shingles cannot be manipulated the same as on a newer roof in order to facilitate a proper repair. Did the contractor mention any of this? Who is the insurance carrier? It is your responsibility to mitigate further damage by getting a tarp put on but this is out of order sequence wise. Once insurance wrote for the repairs, the contractor should attempt those repairs and document them by video, likely proving that the roof is not repairable. Then tarp it, then seek a full replacement through documentation regarding all that.


tisuanhoc1987

My insurance carrier is enumclaw insurance. I gave them a copy of the repairs report, estimation and $200 check after 1000 deductible from my insurance. And yes, I saw 2 guys who did the tarping filming my roof and take pictures.


msn23

They were just documenting their tarp job, not an attempted repair. Who wrote the repair report?


tisuanhoc1987

The repair and estimation report were written from my insurance. Thats why they end up paying me $1200 minus 1000 deductible. The roof company told me to send that to them. And my insurance did an inspection using Drone. The inspector guy didnt climb to the roof.


msn23

Ok, so the adjuster who only flew a drone wrote an estimate for repairs. The main roof damage that would be a covered loss is from wind, they’ll typically only cover repairs for spot wind damage. You’ll need to either repair the roof, plus the extended damage caused by the application of the tarp nail holes. Or get the contractor to attempt the repair and prove it is not a repairable roof due to age. Or wait for the PA and let them work the file.


tisuanhoc1987

Okay. I will call the contractor to make sure he will do like you said. He used to tell me this process may take a while but he can do it. The other thing is my house is townhome so He will also work with my neighbor's insurance to have them replace the whole roof. If my neighbor's insurance refuse, they will at least give them the fair price or we can share the cost. The damage parts are not in my neighbor's roof.


Just_Aioli_1233

Which contractor are you using?


tisuanhoc1987

its Ezroofing company in utah


FifaLegend

That’s a lot of nails through shingles. If it was repairable before, it isn’t really anymore. Three tab isn’t the most durable shingle to repair either.


MountainLiving4us

Them shingles look baked .. i'd consider a new roof in a lighter color .. Black absorbs the sun, White reflexes it .. White usually have a longer life span..IMO


Moreofyoulessofme

I could be wrong, but aren't most townhouse roofs the responsibility of the condo association?


tisuanhoc1987

My condo association left years ago.