- October 21, 2012 - 11:17
The problem is that people want a free ride/charity from their contractor's and insurance companies in these cases. It is your house, your investment, is a phone call to one or two companies over the week really being pro-active? When a storm like this hits the normal labour force doing the emergency repairs is stretched and insurance companies will even pay a premium to contractors in surrounding unaffected areas to come and assist. Even with this additional support, the storm still creates a supply demand ratio roofers and contractors have a right to take advantage of to make record profits from, just as the hardware stores and retail outlets does when they increase prices for generators and sheets of plywood etc. Sure there is legislation that is supposed to curb this profiting from disaster; it is enforcing the legislation that would be the problem during a disastrous event. Here is what you need to do: 1) Round up your neighbours that have been affected. Call the company of your choice with the news then that you are a central coordinator for not only 1 roof, but for (5, 6, 9) units in the same area. This speaks to the contractor’s bottom line since they can get more business in one day with repairs so close to each other. 2) Have money ready to pay. Cash is king and contractors will rather see money in the bank than wait the 90+ days insurance companies say they will pay them by. You can still submit the costs too your insurance after the fact. 3) You don’t have to use specialized contractors for the emergency board-up or tarping phase of the event. Use smaller handy men and carpenter companies to at least do the initial emergency services to avoid secondary damages in the form of water entering the property etc. Once the property is secured against the elements then you do not have the same sense of urgency to get it repaired. (And you might even be able to help your neighbours that are in more need during this time) 4) Keep your receipts and incurred expenses since the insurance companies will reimburse you for costs incurred (if you have a covered loss and your roof or house was not so deteriorated that the damage would have happened if the bus driver broke wind while driving by.) 5) And make sure your policy does carry coverage for this damage. So often we assume we have insurance but we forget that we cheaped out during purchasing the policy and perhaps omitted flood, hail, earthquake etc. coverage’s. Don’t just assume you are covered and then be mad at the adjuster when you are informed YOU did not purchase coverage’s for that particular type of event. But back to the contractors not calling us back after a storm that affected the whole area. It is like blaming retailers for not having snow blowers for sale during the year’s biggest snowstorm since so many other people got to the store and bought the blowers and shovels before you made it out of your bathrobe. I do recognize that with today’s communication devises contractors should at least call to let us know of any delays to appointments, but I feel this only applies when it is business as usual and not when a catastrophe like a tropical storm has hit. I wish you the best and remember...The early bird catches the worm.... Dion
- October 05, 2012 - 08:40
Gerry, it's been a complaint of mine for years; every Tom, Dick, & Harry, (or Harriet) carries some kind of mobile communication device. But call you when they are late or won't be there for their appointment? Forget it, it doesn't happen. Ignorance or arrogance, I'm not sure.