Florida problems are hitting Texas

It’s a tough time to be in the construction business when 16k illegals are crossing the border, everyday. This leads to more blue collar workers, looking to open roofing companies. The Florida roofers will tell you that they are dealing with these issues. I have seen this trend for about 5yrs. My area went from just over 100 roofing companies to swell to just over 1400 that actually register with the Comptrollers office or your local DBA. It isn’t just costing my company, hundreds of dollars in wasted fuel and time, but it will lead to insurance rate increases for all of us. It’s a good read. It’ll be something that I will send to my local rep as part of the Contractors network of Texas.
I’m sure there are plenty of contractors on this site that probably do this same type of “planting”, but it is leading to a bad precedent. I get 100’s of calls from property owners who allowed these planters to get them to file a claim. Now their claim has been denied by not only the insurance company, but the independent engineering firm. The roofer is involved with a law firm and they are seeking litigation. It’s horrible.
It’s worth a read. Florida is going to do something and you know as Florida construction law goes, so goes the rest of the country. It’s coming to your town. It might be a quick buck, but these guys will be gone in 5yrs. The problem is there’s another group right behind them.
Roofing scams put Florida’s property insurance market ‘on the verge of collapse’

State Farm VS Roofing Contractors: Insurance Companies are “Hurt by Toilets” - YouTube

I know i am going to be stepping on toes
But i think insurance should stop covering roofs.
It has got totally out of hand.

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They certainly should stop insuring disposable roofs, I’ve never understood this, it’s retarded.

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The scam works like this: Contractors knock on doors offering to inspect homeowners’ roofs for storm damage. They say they can help get a roof replacement covered by insurance, and they persuade the homeowners to sign away their rights to file the claims themselves. The contractors then file fraudulent damage claims, and when the insurance companies balk, the contractors sue.

Yup. That was exactly the situation where we lived in a large over-50 community in Arizona. The roofer went door to door and promised that the elderly and the widows and the handicapped who lived there would have to pay only their deductible if they signed the roofer’s legal-sized, double-sided, small-print insurance contingency work proposal.

When the insurance companies balked at the roofer’s inflated prices and the homeowners tried to bow out of the agreement the roofer would sue the homeowner for liquidated damages and unjust enrichment. The roofer had a very favorable thing going on with the local magistrate, and in a short space of time of less than two years “won” tens of thousands worth of judgments from a couple dozen homeowners in just this one community. For example, they sued into the grave a 100-year-old and a 103-year-old – two separate cases. The average age of their victims was 75.

Long story short. This went on until they sued me and lost. I became an activist and this roofer’s roofing business and his litigation side business in my area dried up and he went elsewhere.

There’s a rather famous case from Texas concerning just this kind of insurance contingency scam that makes for interesting reading:

Texas AG: Roofing Contractor to Pay Restitution for Misleading Homeowners

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Respectfully, I disagree. The issue is not whether a roof should be insurable, it’s how claim decisions are made and what influences surround those decisions. The fault is to do with process manipulation and not the coverage. The system is now openly “gamed” by forces other than those exclusively sanctioned by the insurance company. Heaven forbid, how dare they do so without an invite!!!

Insurance companies have victimized themselves by fostering “Preferred Contractors” networks who cunningly align with insurance processes and/or ideologies. They chose to compartmentalize their processes and in doing so, have lost the safeguards associated with free market competition. They have screwed themselves because everyone wants in on the “game” that many can now play better than they can.

What we are seeing happening with the insurance companies is no different than what happens in socialist structures. Look at it closely and you’ll see I’m right.

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Send em up here to BC. Afaik theres a supply crisis that is continent wide and account for all construction and truth of the matter is it takes a tough dude to do this work, and there’s not too many white dudes left around that can or want to do it. Its the Mexicans, Natives, Indians and Chinese that are filling and will continue to fill the hard labour roles.

Youre suggesting theres an “oversupply” of roofers? Yea, dont think so buds. Its in your head

No offense dude, but what are you even talking about? My best subject in high school.was English and i have no fucking clue what you are trying to say

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I’m sure there are plenty of contractors on this site that probably do this same type of “planting”, but it is leading to a bad precedent. I get 100’s of calls from property owners who allowed these planters to get them to file a claim. Now their claim has been denied by not only the insurance company, but the independent engineering firm. The roofer is involved with a law firm and they are seeking litigation. It’s horrible."

I’ve worked FLA, and normally work in Kansas, I can tell you Fka far from sets them pace for us. Cheap immigrant labor has been an issue since the 80’s in roofing and constr in general. No amount of licensing has stopped it here, and we have county licensing, and state registration requirements. FLA care about the dollar, and not the contractor, or consumer. Hell Florida is full of liscensed contractors that sell the use of their license to anyone that will pay. When we went to work in Fla the insurance rates for W/C and GL were so bad from all the sue happy Floridians that they required we start a separate company to insulate us from the stupidity. In all fairness, this was the panhandle, all of florida may not be as bad lol

Thank you for your guidance.