[Rodneysblue]

Originally Posted by Fastskiguy

Just got a call from my dad about a guy from Apex roofing that blew into Pinellas offering free roof inspections. He got up on the roof, took some pictures, and explained there is storm damage to the roof (cupping, missing shingles, some other stuff I can't remember). He said he could help line up a lawyer to go after the home insurance company (Progressive) and probably get a new roof. The roof is about 10 years old. The lawyer answered the phone call right away and set up a meeting for Friday night. Something like "Your Insurance Lawyer, inc." (can't remember the exact name)

The whole thing sounded fishy as hell to me....but I don't know anything about roofs or insurance. Is this legit?

Thanks!

Joe

no such thing as a free roof we all end up paying with higher insurance rates.

[jimmy o]

Originally Posted by Fastskiguy

Yeah I'm sure that's right, the contract needs to give assignment of benefits in order for them to have a shot of getting paid if they can get money out of the insurance company.

But is there a downside for the homeowner? I can see a downside for the insurance company, the roof inspector/sales guy, and the attorney. But I'm missing where the homeowner gets screwed. Can anybody spell this out for me?

Joe

Yes, the downside for the homeowner is that his insurance premium will go up higher than everyone else. The homeowner will also have a much harder time getting insured once they quit or get dropped. Insurance companies aren't stupid and know when they're being scammed. The roof claim will be flagged for all other insurance companies to see. That owner will save money on that roof but will lose money in the long run. Apex roofing is a scam outfit and I question their work.

[JRcorvette]

Stay away from any door knocker especially ROOFERS. Apex came to my house and I told them to leave immediately. I have inspected hundreds of roofs as an adjuster and I know their dirty little tricks. They know that you are not getting up on the roof and you have no idea what they are doing up there. Never Ever assign your insurance benefits to a contractor!!!!!!

[Topspinmo]

Originally Posted by Fastskiguy

Just got a call from my dad about a guy from Apex roofing that blew into Pinellas offering free roof inspections. He got up on the roof, took some pictures, and explained there is storm damage to the roof (cupping, missing shingles, some other stuff I can't remember). He said he could help line up a lawyer to go after the home insurance company (Progressive) and probably get a new roof. The roof is about 10 years old. The lawyer answered the phone call right away and set up a meeting for Friday night. Something like "Your Insurance Lawyer, inc." (can't remember the exact name)

The whole thing sounded fishy as hell to me....but I don't know anything about roofs or insurance. Is this legit?

Thanks!

Joe

Run Forest RUN!

[Zincbemi]

Originally Posted by Fastskiguy

Yeah I'm sure that's right, the contract needs to give assignment of benefits in order for them to have a shot of getting paid if they can get money out of the insurance company.

But is there a downside for the homeowner? I can see a downside for the insurance company, the roof inspector/sales guy, and the attorney. But I'm missing where the homeowner gets screwed. Can anybody spell this out for me?

Joe

I have had an experience like this in Michigan where a company came out after a hail storm and said my roof was damaged. They brought out an inspector from my insurance company and they agreed it was damaged and the insurance company gave a price to replace. I did not sign over the ability of the company to negotiate with the insurance company but had them do the work at the insurance company rate. They weren’t happy but did good work

When I moved to Florida and needed home insurance, the broker and the new company I used knew that I had replaced my Michigan roof and the broker told me I would pay a higher rate because of this. So there is some consequence to have your insurance company pay for a new roof. It’s also why Florida insurance rates have skyrocketed

[ccrider]

I have been through the whole process with Apex, and , thankfully, I was warned just in time to save myself. STAY AWAY FROM APEX. Theu ae trouble all the way.

[virtue51]

Lots of complaints -- run away from Apex Roofing

[Duppman]

Originally Posted by Fastskiguy

Just got a call from my dad about a guy from Apex roofing that blew into Pinellas offering free roof inspections. He got up on the roof, took some pictures, and explained there is storm damage to the roof (cupping, missing shingles, some other stuff I can't remember). He said he could help line up a lawyer to go after the home insurance company (Progressive) and probably get a new roof. The roof is about 10 years old. The lawyer answered the phone call right away and set up a meeting for Friday night. Something like "Your Insurance Lawyer, inc." (can't remember the exact name)

The whole thing sounded fishy as hell to me....but I don't know anything about roofs or insurance. Is this legit?

Thanks!

Joe

Our neighbor brought Apex over 2 years ago. I let him on my roof to inspect, to my surprise he found we needed a new roof. Told him I'd think about it. Called one of the major roofers in TV over for an inspection and he told me unless a severe weather event happened we had 5+ years left. Called them back to say no thanks. I think several in our area had their roofs replaced.

[lawgolfer]

Originally Posted by Fastskiguy

Just got a call from my dad about a guy from Apex roofing that blew into Pinellas offering free roof inspections. He got up on the roof, took some pictures, and explained there is storm damage to the roof (cupping, missing shingles, some other stuff I can't remember). He said he could help line up a lawyer to go after the home insurance company (Progressive) and probably get a new roof. The roof is about 10 years old. The lawyer answered the phone call right away and set up a meeting for Friday night. Something like "Your Insurance Lawyer, inc." (can't remember the exact name)

The whole thing sounded fishy as hell to me....but I don't know anything about roofs or insurance. Is this legit?

Thanks!

Joe

I'm surprised these guys are still around as most of them closed up shop. Last year, the Legislature eliminated the "assignment of benefits" (AOB)to contractors, by which the roofers and their attorneys could directly sue the homeowner's insurer for the inflated price of a new roof and for bad faith. Also, the Legislature severely limited the damages in bad faith claims and provided that insureds who lose such lawsuits will have to pay costs to the insurance companies.

The AOB was the most abusive system of all time. It cost insurers $Billions and only benefit crooked roofing companies and their money-grubbing attorneys. Because of them, numerous insurance companies have gone insolvent or have left Florida. The result is that the premiums for homeowner's insurance has "gone through the roof" (how's that for a pun).

In short, tell the roofer to never again darken your door and give thanks that you didn't fall for his scam. ***Fair Disclosure*** I am an attorney and practiced for 40 years doing only litigation, including "bad faith" for both insureds and insurers. These roofing companies and their attorneys made me ashamed to be a member of the profession.

[lawgolfer]

Originally Posted by Bill14564

The contract needs to give AOB in order for the roofer and the lawyer to inflate the costs and threaten to sue the insurance company. Without AOB, the homeowner would collect from the insurance and pay the roofer. The homeowner is not as practiced at bringing lawsuits and would not be interested in padding costs so it would not work out as well for the roofer.

Does the homeowner get screwed? I don't know. I could imagine his insurance company might drop him. I could imagine the insurance company might refuse to pay and prevail in court and the roofer might try to collect from the homeowner. There is a recent change in Florida law that restricts or prohibits the AOB that might come into play somehow.

More than anything else, the homeowner would need to live with his conscience knowing that he played a part in raising insurance prices for everyone.

Of course, if a second opinion confirms the damage and need for a new roof or if there is no AOB then there is no scam.

The Legislature and Governor DeSantis have barred the Assignment of Benefits and the homeowner must be the one to sue his insurer. This should end these infamous roofing scams by unscrupulous contractors and attorneys. In fact I'm surprised that a roofing company would be soliciting for business using this tactic.

[Dgodin]

I saw a similar situation with a friend. He wanted a new roof. A company came in and told him the insurance company would pay for it. They had found "storm damage". The insurance company denied his claim. The roofer assured my friend they had people in their employ who could fight the insurance company for him. The claim was eventually approved. He got his roof. But the insurance company had the last laugh. They increased his premium.

So it is a scam, perpetrated on both the home owner and the insurance company.

[birdawg]

They will put a lean on your house and never remove it. We just had a guy with a drone knock on doors wanting to evaluate our roof. Stay faraway from these conmen.

[dfortier]

I would be very suspicious of Apex's workmanship. I don't want them anywhere near my home.

[Velvet]

Originally Posted by Duppman

Our neighbor brought Apex over 2 years ago. I let him on my roof to inspect, to my surprise he found we needed a new roof. Told him I'd think about it. Called one of the major roofers in TV over for an inspection and he told me unless a severe weather event happened we had 5+ years left. Called them back to say no thanks. I think several in our area had their roofs replaced.

Good roofing companies now use drones to inspect your roof first. And they can show you the photos of why you may need a new roof. They do not go up and damage your roof in the first place.

[Ross]

Do not deal with Apex.