Response from The Durable Slate Co
Our estimator went out to provide an estimate and found a few different issues. The slates did have hail damage and many of the slates that were hail damaged were in and around valleys. Our estimator photographed these areas to show them to the homeowner. He explained that because the slates were so close to the valleys, and the metal in the valleys showed hail damage as well, her insurance company may cover the replacement of the valley metal and the slates, but they may not. The one problem was that the valley metal was old and rusted and had been temporarily repaired already and so that may cause the insurance company to not cover them as hail damage. Is his judgement and experience he felt like it could go either way and they should make the request of the insurance company to cover the valleys as well as the slates.Our estimater spoke with the adjuster and showed all of the photos to him. The adjuster agreed that the valleys were just old and even though showed some denting there was not evidence that the hail penetrated the valley metal and so they would not cover this portion of the bid. This is what our estimator explained to the homeowner: In his 17 years of experience in dealing with Insurance companies, sometimes they cover things like this and sometimes they do not. So, in the customers best interest his bid was to do slate repair and replace the valley metal, if the insurance company did not cover the valley replacement, we would have to renegotiate with the homeowner to determine if she wanted to pay to have them repaired. We have attempted to reach the homeowner to clarify things, but have not made contact yet. We are hired on a regular basis by several different insurance companies to provide our opinion on storm damage to slate and tile roofs around the country because of our experience and having proven over many years to be honest and ethical in our evaluations. This long term relationship that we have developed will not be put in jeopardy by over bidding one job because it is an insurance claim situation. Ultimately we believe there is a simple mis-understanding in the communications between us and the homeowner. Sometimes other contractors are quick to capitalize on these mis-understandings to make themselves look better than their competition to get a job. We intend to continue to reach out to the homeowner to clarify this situation and will continue to provide honest evaluations and perform daily with a high level of ethical standards.