The High Cost of Low Estimates

Low estimates leave homeowners will less than what they paid for –no matter what the lowest “winning” bid was.  According to the Cohen Law Group, Florida Statutes provide all HO3 policyholders with replacement cost policies that come with additional provisions like Law and Ordinance coverage.  In many cases, homeowners are receiving checks in the mail — well under what they are entitled to.

Homeowners seeking “2-3 estimates” find contractors bidding lower and lower in an effort to get the job, but also leaving behind quality and standards.

Don't base your contractor selection decision simply on price as you will see in the following examples:


New over Old

New architectural asphalt shingles were installed over old shingles.  With very few exceptions, all insurance paid-for roof replacements should include the removal of previously existing layers.

Additional layers of shingles can cause the roof to cave in if the roof's structural system is unable to support the additional load.

Backwards Shingle

New architectural asphalt shingles installation with a shingle having been placed backwards and exposing the non-laminate side of the shingle.

Proper permitting of roof installations involve a job site inspection by an authorized inspecting authority of the same jurisdiction.

Standing Water

The improper installation of gutters due to poor slope considerations can cause standing water to accumulate, also creating a load issue on the gutters.

Galvanized metal gutters for example, will corrode even faster if water is allowed to sit and will drastically reduce the life of the product.


Missing Offset Pattern

Architectural shingles improperly installed and not following the manufacturers recommendations to place them in an offset pattern.

Lacking an offset pattern may allow water to penetrate the roof shingle layer and find its way to the underlayment and possible decking over time.

Incorrect Orientation

The underlayment was installed incorrectly.  It must be installed in a shingle pattern, lengthwise along the eave's edge.  Furthermore, the underlayment is inadequately fastened to the deck sheathing.

If your home is in a high wind setting (such as a 2-story home), there are specific fastener requirements that must be met to pass code.

Flashing Mistakes

A section of the step flashing was installed incorrectly.  They must be installed in a shingle pattern to divert water away from the wall.

Attention to detail is most important as each layer of the roof system is placed, because as the work progresses previous layers can no longer be seen.

This is just a sampling of the many examples where poor workmanship and cost-cutting makes low estimates, potentially the most expensive.