So this guy shows up at our house last month and talks to my wife about our roof. He is a Project Manager from Weatherguard Roofing & Restoration and tells her about a hail storm that hit us a year ago. He shows her a map on his phone indicating we had 1.75” hail and our roof is undoubtedly damaged, which will be replaced by our insurance company. My wife asked me to talk to him, which I declined. No way, I tell her, is an insurance company going to completely replace a 25 year old roof for just our deductible as he claimed. I am suspicious of salesmen who show up unannounced, and I had her get his card so I can check him out.
An online search showed that his company is legit and highly rated, and I called them to confirm the salesman who visited was indeed their employee.
He came back two weeks later and this time I agreed to speak with him. He just wanted to go up on the roof to inspect it, and I agreed after making sure he was insured. He takes pictures of some dents in the asphalt shingles and tells us he is absolutely confident our insurance company will replace the roof and we would only pay our deductible. Furthermore he says our insurance premiums cannot increase by law. I’m still very skeptical, but agreed, with his assistance, to call the insurance company and file a claim.
Last week the insurance company sent out some adjusters who spent a good 30 minutes inspecting and photographing the roof with the roofing salesman. They found dents in the house and shed roof shingles and some gutters. We did have some minor leaks, but mostly around the skylights which I had already resealed.
Today I get a call from our insurance company telling me they have approved a payment of $22,930 to completely replace our roof and repair the shed and gutters, and will be sending me a check minus our deductible! And I can choose any contractor I wish. I am stunned!
All of this seems to be on the up & up. Do insurance companies do this? Can anyone think of any way this could be a scam?