Fallen Tree - Insurance Recourse?
I'll try to keep this brief, but its a long story.
Last Sept a giant oak tree in my backyard split apart and a huge part of it fell on the corner of my house. Fortunately one of the branches fell beside the house, sticking into the ground and keeping the tree from completely falling thru the roof. It probably would've killed my daughter and her friend who were sleeping right under where the tree landed.
We had the tree lifted off the house to the tune of $6k. The insurance adjuster about had a heart attack when he saw the bill - but they paid it, minus our $1k deductible.
The adjuster, let's call him Dork, came to the house several days later (the tree fell on a Sat and of course none of them work weekends). He went up on the roof (we have a flat, rubber roof), looked at the cracks in the wall in my daughter's room, etc.
He then told my dh that we would be getting a new roof out of this. He sat in his car for almost 2 hours crunching the #'s on his computer.
He then says a new roof will be too much money and they will only pay for half of the roof to be replaced. He gives us a breakdown of everything and the total is $7,700.
So we start trying to get estimates. Most houses in this area have regular, pitched roofs with shingles on them. Not only did we need a roofer who could do a rubber roof, but we also needed one who could get a carpenter to replace the damaged wood on the roof as well as on the overhangs.
Finally in Dec we found two contractors who both said if they do half the roof, the estimates were about $18k & $20k, no where near Dork's estimate of $7,7k. Both contractors also said they could not guarantee that the roof would not eventually leak at the seam where the old and new rubber would meet - in fact both of them talked to Dork and told him they were sure it would in fact leak in a matter of time.
Dork refused to budge on giving us more money to do the entire roof, so we were forced to pay an additional $4k ourselves to go ahead and have it done. We ended up paying even more once they tore the old roof off and found rotted wood underneath, but we know we can't blame the tree for that half of the house.
Dork's original estimate to us had a line item on it for labor - for one roofer, for one hour, with a dollar amount (I forget the amount). I thought how in the world is he saying one roofer could get anything done in one hour let alone half a roof?
I really feel he was incompetent in his quoting and also in refusing to pay for a full roof replacement, solely based on the cost, when he first saw the damage and said we would get a whole new roof.
I'm trying to find out if there are perhaps state agencies that handle insurance complaints, or any suggestions on how to go back to the company (not Dork) to see if they will pay any more towards the full repair, since the experts agreed the roof needed fully replaced.
Any suggestions are appreciated!