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March 8, 2007
FOR HOMEOWNERS NEEDING HAIL DAMAGE REPAIRED...
 Everyone the Roofing Dudes (ART, RON & WRANGLER) are coming to help you out!!...but...FIRST THINGS FIRST!! HERE'S SOME TEXAN JOKES:
The owner of a golf course in Lufkin was confused about paying an invoice,
so he decided to ask his secretary for some mathematical help. He called her
into his office and said, "You graduated from The University of Texas and I
need some help. If I were to give you $20,000, minus 14%, how much would you
take off?" The secretary thought a moment, then replied, "Everything but my earrings."
You gotta love those East Texas women.
*****************************************
A group of Tyler friends went deer hunting and paired off in twos for the
day. That night, one of the hunters returned alone, staggering under the
weight of an eight-point buck. "Where's Henry?" the others asked. "Henry had
a stroke of some kind. He's a couple of miles back up the trail," the
successful hunter replied. "You left Henry laying out there and carried the
deer back?" they inquired. "A tough call," nodded the hunter. "But I figured
no one is going to steal Henry!"
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A senior at Texas A&M was overheard saying.. "When the end of the world
comes, I hope to be in East Texas. When asked why, he replied he'd rather be
in East Texas because everything happens in East Texas 20 years later than
in the rest of the civilized world.
************************************
The young man from Texas A&M came running into the store and said to his
buddy, "Bubba, somebody just stole your pickup truck from the parking lot!"
Bubba replied, "Did you see who it was?"
The young man answered, "I couldn't tell, but I got the license number."
***********************************
NEWS FLASH! -Brian/College Station's worst disaster occurred when a small
two-seater Cessna 150 plane, piloted by two Texas A&M students, crashed into
a cemetery earlier today. Search and Rescue workers have recovered 300
bodies so far and expect the number to climb as digging continues into the
evening. The pilot and copilot survived and are helping in the recovery
efforts.
*************************************
A Texas State trooper pulled over a pickup on I-20.
The trooper asked, "Got any ID?"
The driver replied, "Bout whut?"
*************************************
A man in Tyler had a flat tire, pulled off on the side of the road, and
proceeded to put a bouquet of flowers in front of the car and one behind it.
Then he got back in the car to wait. A passerby studied the scene as he
drove by and was so curious he turned around and went back. He asked the
fellow what the problem was. The man replied, "I have a flat tire." The
passerby asked, "But what's with the flowers?" The man responded, "When you
break down they tell you to put flares in the front and flares in the back!
I never did understand it either."
AND NOW...WHAT YOU SHOULD DO IF YOU REALLY THINK YOUR HOME HAS BEEN DAMAGED DUE TO A HAIL STORM:
1. CALL YOUR INSURANCE AGENT OR CLAIMS CENTER LISTED ON YOUR POLICY. TELL THEM YOU HAVE HAIL DAMAGE. THEY WILL GIVE YOU A CLAIM NUMBER WRITE IT DOWN. FROM THERE THEY WILL EITHER TELL YOU TO GET A COUPLE OF ESTIMATES. OR TELL YOU THEY NEED TO ASSIGN AN ADJUSTER TO YOU AND YOUR CLAIM.
2.GET SOME ESTIMATES / INSPECTIONS DONE FROM ESTIMATORS WORKING FOR GOOD AND HONEST CONTRACTORS!! (Wrangler, RON and I try to only work for the honest one's so call us first at: 785-280-1194 Art (Wrangler & RON didn't pay their cell phone bills so their's are not listed right now!!) or email us at: theroofingdudes@yahoo.com ...
3. CHOOSE ONE OF THE ESTIMATORS YOU RECEIVED INSPECTIONS FROM TO HELP YOU WITH YOUR CLAIM. WE RECOMMEND CHOOSING THE ESTIMATOR BEFORE YOUR ADJUSTER COMES OUT SO HE / SHE CAN BE THERE AT THE TIME OF THE INSPECTION. FROM HERE YOUR GUY/GAL/OR DOG SHOULD BE ABLE TO GUIDE YOU THROUGH THE REST OF THE PROCESS.
4. SOME INSURANCE COMPANIES WILL ADVISE YOU TO GET 3 ESTIMATES AND SEND THEM IN BEFORE THEY SEND AN ADJUSTER OUT. IF THIS IS THE CASE CHOOSE ONE OUT OF THE 3 ESTIMATES AND GO WITH HIS BID. YOU ARE NOT REQUIRED TO GO WITH THE LOWEST BID. INSURANCE COMPANIES ARE GIVING YOU GOOD ADVISE ON GETTING MORE THAN ONE ESTIMATE BUT ARE ALSO IMPLYING THEY EXPECT TO PAY ONLY FOR THE LOWEST ONE (THIS IS NOT THE CASE) CHOOSE WHO YOU ARE MOST COMFORTABLE WITH. COULD BE THE FIRST ONE THAT COMES TO MEET WITH YOU OR EVEN ONE YOU HAVE WORKED WITH IN THE PAST. (IN THIS CASE ONE ESTIMATE IS FINE AS LONG AS YOU ARE COMFORTABLE WITH THEM. WE REALLY HOPE YOU CHOOSE US OF COURSE!!)
5. IT IS IMPORTANT TO CONTACT YOUR INSURANCE COMPANY AS SOON AS POSSIBLE IF THE AREA YOU LIVE IN HAS SUFFERED SIGNIFICANT DAMAGES!! IT IS NOT UNCOMMON FOR ADJUSTERS TO BE 3 WEEKS TO A 3 MONTHS OUT IN THE HARDEST HIT AREAS AS WELL AS CONTRACTORS!!
CONTRACTOR HIRING TIPS:
1.MAKE SURE CONTRACTORS ARE LICENSED.
2. CHECK TO SEE IF YOUR ESTIMATOR'S CONTRACTOR IS A MEMBER OF THE BBB. ALSO CHECK IF THEY ARE RECOGNIZED IN THE DATABASE.
3. IF ANYONE ASKS YOU TO SIGN A PROPOSAL OR ESTIMATE. IT WILL OBLIGATE YOU IN ONE WAY OR ANOTHER.
4. SOME CONTRACTORS BEGIN WORK BEFORE DAMAGE IS APPROVED. MAKE SURE YOUR CONTRACTOR SHOWS YOU ON YOUR CONTRACT AND THE ADJUSTMENT THE DOLLAR AMOUNT COVERED. MAKE SURE YOUR CONTRACTOR EXPLAINS ADJUSTMENT TO YOU.
5. TALK TO MORE THAN JUST ONE CONTRACTOR 2-3 RECOMMENDED - OR MAKE SURE THEY CAME FROM A GOOD RECOMMENDATION AND OR YOU FEEL COMFORTABLE WITH THEM.
6. DO YOUR HOMEWORK. IT IS NOT RECOMMENDED YOU SIGN WITH DOOR-TO-DOOR ESTIMATORS BEFORE CHECKING THEM OUT.
7. REMEMBER NOTHING IN THIS WORLD IS FREE!! IF THE ESTIMATE IS LESS THAN THE COVERAGE YOU CAN UPGRADE. YOU CAN ALSO PERFORM SOME OF THE WORK YOURSELVES TO RECEIVE THE ENTIRE CLAIM AMOUNT. IT IS CONSIDERED FRAUD AND A FELONY FOR BOTH YOU AND THE CONTRACTOR TO SUBMIT DIFFERENT AMOUNTS PAID TO YOUR CONTRACTOR FROM YOUR CLAIM. INSURANCE COMPANIES WILL NOT LOSE MONEY IN THE LONG RUN!! YOUR PREMIUMS DO REFLECT ALL CLAIMS. SO IT IS JUST LIKE TAKING A LOAN FOR 5 YEARS. GENERALLY ALL MONIES PAID OUT ON A CLAIM WILL BE PAID BACK THROUGH YOU AND YOUR NEIGHBORS PREMIUMS WITHIN 5 YEARS.
8. GENERAL TIPS FROM LICENSING DIVISION(THIS IS FROM MINNESOTA BUT IS A GOOD SOURCE OF TIPS FOR YOU TO FOLLOW!!)
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