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Here's your guy after receiving his last insurance check....
Any Roofers out there?
- Thread starter BeepBeepRR
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Open a checking account with the check, pay for the materials out of the account, and when the guy is done, pay him from it as well. Or, pay for the material COD directly to the driver. No labor should be paid up front.
Cncguy1
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The Check should just be to you unless the insurance company hired the roofer and then only they would get a check. Think about it, it would be odd walking into a bank with the roofer to cash the check.
Around here it's common to get a two party check for collision repairs, but on the other hand no bank will cash that check or let it be deposited into any account other than the business named.
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In SC and GA, when I lived there, were "compounds" that had one mansion and several other large houses with two or three really large garages/warehouses. These were Traveler camps. They pool all the money that comes in, own the properties outright, house the family string of vehicles which they also own outright. They drive new vehicles and are always out there hustling for trades work. They are like a consolidated crime family that moves from compound to compound in various states with the seasons. Winter finds them in the South and West, North and East in the summer. They hone their sales pitch and learn from mistakes and losses so as to have a better chance of success next time. It's weird that they typically do such crappy work yet seem to get plenty of it anyway.
BeepBeepRR
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found this on the webaroonie.. Helps answer one of my questions.
3. Two-Party Homeowner’s Insurance Check to You and Your Mortgage Company
If you have a mortgage on your home, the mortgage company will generally require you to obtain homeowner’s insurance to protect its asset. Because the lender still has an interest in the property, your insurer must send you a check made out to both you and the provider.
How to cash this type of check: As with two-party auto insurance checks, a two-party homeowner’s insurance check will require you to work with your mortgage company in order to cash it. After signing the check, you must send it to your mortgage lender. Depending on the amount, your mortgage company may deposit the proceeds into an escrow account and issue funds to your contractor upon completion of repairs. In some situations, the company may issue funds in increments, but require a home inspection to verify completion before paying out all the proceeds. If the work is completed to satisfaction and comes under budget, you may receive the remaining funds.
4. Two-Party Insurance Check to You and Your Contractor
In rare occasions, your insurance company may issue a check to you and an approved contractor if you have a mortgage on your home.
How to cash this type of check: If you receive a two-party insurance check to you and your contractor, you can work directly with the contracting company to cash the check. If the check includes an “or” between your names, only your contractor will have to sign to endorse the check. If the check includes an “and” both you and your contractor will need to sign. Make sure work is done completely to your satisfaction before endorsing the check.
3. Two-Party Homeowner’s Insurance Check to You and Your Mortgage Company
If you have a mortgage on your home, the mortgage company will generally require you to obtain homeowner’s insurance to protect its asset. Because the lender still has an interest in the property, your insurer must send you a check made out to both you and the provider.
How to cash this type of check: As with two-party auto insurance checks, a two-party homeowner’s insurance check will require you to work with your mortgage company in order to cash it. After signing the check, you must send it to your mortgage lender. Depending on the amount, your mortgage company may deposit the proceeds into an escrow account and issue funds to your contractor upon completion of repairs. In some situations, the company may issue funds in increments, but require a home inspection to verify completion before paying out all the proceeds. If the work is completed to satisfaction and comes under budget, you may receive the remaining funds.
4. Two-Party Insurance Check to You and Your Contractor
In rare occasions, your insurance company may issue a check to you and an approved contractor if you have a mortgage on your home.
How to cash this type of check: If you receive a two-party insurance check to you and your contractor, you can work directly with the contracting company to cash the check. If the check includes an “or” between your names, only your contractor will have to sign to endorse the check. If the check includes an “and” both you and your contractor will need to sign. Make sure work is done completely to your satisfaction before endorsing the check.
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Baller
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I think some of you guys are being a little unrealistic when saying that the OP should buy the material. All contractors want to mark up the material and make a few points there as well as marking up the labor. We wouldn't go to a restaurant with our own steak, would we? In addition, you don't want the roofer to blame a leak on the crappy material that you supplied; much easier in the future if they supply everything.
To the OP (and everyone else) most states and provinces have a roofing contractors association where members need to be in good standing in the community and may require the contractors to have ticketed roofers on staff (check out RSMCA if you are in Georgia). Check that out. You could also ask one of the local consulting companies (search IIBEC website) who they would recommend. You could also ask the local shingle suppliers, though they have a tendency to recommend their buddies.
To the OP (and everyone else) most states and provinces have a roofing contractors association where members need to be in good standing in the community and may require the contractors to have ticketed roofers on staff (check out RSMCA if you are in Georgia). Check that out. You could also ask one of the local consulting companies (search IIBEC website) who they would recommend. You could also ask the local shingle suppliers, though they have a tendency to recommend their buddies.
steve from staten island
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The OP is a nice person and the reason I posted is if there is anything I hate, its seeing someone get ripped off, God knows its happened to me, but you learn.
I had a small part time business, I worked for a particular group of people also in business and this business was a rough one. Some of theses guys took time to pay. Being in need of work, I knew I would get paid but it might take some time. I wasn't about to put out money to buy material and id just tell them what I needed and get it themselves. This worked for me. Years later I dropped most of them and many went out of business.
Only recently I put out money for a excavator bucket I rebuilt for a guy. I knew him a long time and I know he was a stand up guy.
Its very hard to get established in any trade, usually these roofing guys also do siding. Often they worked in the trade for someone else before going out on their own. More or less they established themselves and if they do the right thing, word of mouth brought more work.
From what the OP described theses guys sound a little shaky, id certainly ask around about who knows them.
My contractor friend told me of a Polish immigrant who did roofing. He used him for all his roofing needs
He had a crew of polish immigrant workers. The guy was incredible on a roof, they did a good job, cheap and fast. Many home builders used them. Sadly the guy was doing a roof, his son was on the job with him. He suffered a heart attack while on a roof pounding nails. He passed away. When I think of it, its a real American success story, a guy comes here speaks no English has little to no money and works his *** off day after day. Being were I live I see it over and over again. Sorry to get off topic and again these guys the OP described dont sound like that Polish guy
I had a small part time business, I worked for a particular group of people also in business and this business was a rough one. Some of theses guys took time to pay. Being in need of work, I knew I would get paid but it might take some time. I wasn't about to put out money to buy material and id just tell them what I needed and get it themselves. This worked for me. Years later I dropped most of them and many went out of business.
Only recently I put out money for a excavator bucket I rebuilt for a guy. I knew him a long time and I know he was a stand up guy.
Its very hard to get established in any trade, usually these roofing guys also do siding. Often they worked in the trade for someone else before going out on their own. More or less they established themselves and if they do the right thing, word of mouth brought more work.
From what the OP described theses guys sound a little shaky, id certainly ask around about who knows them.
My contractor friend told me of a Polish immigrant who did roofing. He used him for all his roofing needs
He had a crew of polish immigrant workers. The guy was incredible on a roof, they did a good job, cheap and fast. Many home builders used them. Sadly the guy was doing a roof, his son was on the job with him. He suffered a heart attack while on a roof pounding nails. He passed away. When I think of it, its a real American success story, a guy comes here speaks no English has little to no money and works his *** off day after day. Being were I live I see it over and over again. Sorry to get off topic and again these guys the OP described dont sound like that Polish guy
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THANK YOU. I feel better already.
Oh, the thing about buying the materials up front is.... DON'T.
As in DO NOT pay for the materials up front or pay a "deposit".
Just don't do it...unless there's some REALLY odd circumstances going on
(special custom shingles desired or what not).
You've already gotten approval from your insurance company, which should
be MORE than enough proof to the potential roofing company that you're for real
and will pay once the JOB IS DONE TO YOUR SATISFACTION.
Not one red cent until then!
BeepBeepRR
Well-Known Member
Well an update I texted them called the guy whole I have been dealing with. The card I had said American emergency roofing on it. Apparently this was the wrong card and it is not theirs. That’s weird, anyhow the name of the company is RoofUS and they are on the BBB website. Link is here https://www.bbb.org/us/ga/atlanta/p...ors/roof-us-roofing-restoration-0443-27761155 he said he will provide any and all information of business license and insurance before we go any further.
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That outfit looks legit. However. Be sure that company IS the one who is fixing your roof and not some traveler outfit who is using that companies card to get business, thinking the homeowner wont trip to the RoofUS trucks not being around. Or would explain away the different trucks by saying they are all busy on other jobs...plus, anyone can whip up a webpage...take the time to drive to the address listed for them and check it out, ask for the guy you are talking to. Make sure they have heard of him...ask if the guys who will be on your roof are the guys in the picture, with uniforms etc, and not a pile of illegals with a blaring radio and pissing off the edge of your roof into the flower beds...lol.
BeepBeepRR
Well-Known Member
Great advice.. My neighbors house was being renovated and they had a crew of dudes in there. I was in my bathroom which overlooks that side of the yard. I heard a loud bang so I looked out the window only to be greeted by a dude pissing off their back porch.. I went over there and told them the next time I see that **** I will call the cops. I have a daughter that could have seen that ****. Be professional for Christ sake they have 2 bathrooms in the damn house. Or take your *** a half mile up to the store..
On a better note.
I spoke with the guy from RoofUS and he agreed to bring all of the credentials for the company. I somehow found an oddball roofers card on my coffee stand and thought it was the one I got from that guy. That was my bad.. However it led me to this point where I am getting the info I need to make a better judgement call. Thanks for all the help guys.. I really do appreciate it.
jamie
Well-Known Member
This whole thing stinks! Did you sign some contract with these people that your adamant about using them? Plenty of good companies out there,tell these bozos to buzz off and get some quotes.
BeepBeepRR
Well-Known Member
Nope nothing signed. I talked to my adjuster he says I can get anyone I want so thats a plus. But In a later post I did find the card that they gave me and they are employed by RoofUS so that was my mistake. I don't know where the hell that other card came from.
Baller
Well-Known Member
The other card probably came out of their wallet. Anyways, I hope that everyone knows that the BBB is a bit of a joke (at least it is up here). Its not in the BBB's interest to give their paying members a poor rating. Poor rating =larger fees for the member, which equals a good rating in the future. In my opinion, it's all BS.
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Generally speaking you can drive around any fair sized city and see roofers at work. Check out the ones who are doing a good job, have decent vehicles, tools, uniforms and talk to the homeowners...
Slap Stick
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Get a locally owned and operated contractor.
They are your neighbors and want to do a good job (the reputable ones) and get referral business.
I had mine done two years ago but hired a friend of my next door neighbor who is a finish carpenter. The guy works for a contractor who finished a house for my brother and lived across the street from him. I had met him before so I knew who I was dealing with.
The guys did a bang up job and the weather was unseasonably hot for October. They had two bundles left over and said to keep em, I might need em after a storm. I was happy with Juan's work and handed him a c note.
That made his day.
They are your neighbors and want to do a good job (the reputable ones) and get referral business.
I had mine done two years ago but hired a friend of my next door neighbor who is a finish carpenter. The guy works for a contractor who finished a house for my brother and lived across the street from him. I had met him before so I knew who I was dealing with.
The guys did a bang up job and the weather was unseasonably hot for October. They had two bundles left over and said to keep em, I might need em after a storm. I was happy with Juan's work and handed him a c note.
That made his day.
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I don't tip much but we do feed 'em every day. Got the BBQ rolling with burgers, dogs and fries out of the oven, Home made bread and cookies.....drinks...a couple of picnic tables...usually goes over well...lol. We had a bunch of work done a month or so ago and the guys were asking if we had any MORE work to do, or, failing that if we would adopt them..lol.
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