My Roofer Won't Give Me an Estimate! Why?
So you sustained damage to your roof, you have made a claim and had the adjuster out. Insurance has totaled the roof and now you need a roofer. But the roofer you selected has told you he won't give you an estimate without seeing the insurance document. Why? Should you be worried? Should you choose another roofer?
There may be several reasons he won't give you an estimate without seeing the insurance document. The main reason is that he might shoot himself or you in the foot by giving you an estimate. If he is trying to 'win' a roof job from you, and he comes in cheap, he cannot legally invoice the carrier for anything over his estimate. If he gives you a cheap estimate, and he cuts his profit margin razor thin, he will need to use economical products, and he will not have a lot of wiggle room to fix real issues if they pop up. This is not ideal. You have put yourself at a disadvantage by requiring him to do this. As stated in other blog posts, once your roof is approved by the carrier, you cannot get the depreciation from them without the roofer invoicing for it, so you have absolutely nothing to gain by requiring him to give you a quote up front. His quote doesn't matter. You pay the same amount either way, which is your deductible. Do yourself a favor, show him the scope, let him write up the contract as a true insurance transaction, and get a better roof than you had. After all, this is why the insurance company gives you an estimate and a scope of work. It is for your contractor.
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