House repairs - Hail damage, 1 year 4 months later...

mvbighead

Diamond Member
Apr 20, 2009
3,793
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Back in June 2014, we received softball to baseball sized hail that punched holes into hardy-plank siding, destroyed a roof, and knocked a hole clear through a window (as well as killed the TV on the other side of that window). Lots of damage, lots to be repaired.

Fast forward to now, and I am still in the process of dealing with the general contractor that we hired to take care of all of the repairs. They are a major local business, not a fly by night type that swooped in for hail damage business after the big storm. I thought they were the best choice to get good work done. I thought...

Along the way, one thing was mentioned as critical to the salesman who had my case... the basement window with the hole clear through it. I wanted that fixed prior to winter. That window was not repaired until the spring of 2015. They did have a guy, after a large amount of my pestering, come in and slap a 2" think sheet of styrofoam into the opening to block most of the airflow. I eventually did have improvise by cutting 2x4s to frame the window opening and wedge the foam into place so that it did not fall out. (It did fall out a time or two, and snow came in with it.)

The roof repair wasn't exactly fast, but it did happen prior major snow (if I recall). And they did patch a spot that had popped up after a strong windy day. I suspect, but am not sure, that the crew that did the work may not have sealed the edges where the roof met siding on the house. The only location I can see appeared to be fairly rough with respect to the siding.

Fast forward to now, and there was one last issue that had to be repaired. The corner of the house where the siding had popped up, presumably after the gutter/down spouts were repaired, there was a split where the siding met in the corner. I pushed for months to get someone to look and fix it, and even after I escalated and reached out to the manager of my 'sales rep', it still took a good month or more until just now a guy came out and 'tightened it up' and 'caulked it up good' to fix it.

So now, just an hour or so ago, I receive the phone call that they completed that piece. My sales guy leaves a message (I've talked to him a time or two and he simply frustrates me with his incompetence at this point so I let him go to voicemail (plus I was at lunch with a colleague)) and says that they patched that up, and that someone in the office would be sending me an invoice to close this up today, and was urging me to pay the remaining balance tomorrow or Saturday.

Thing is, he's already threatened a lien at one point, prior to ALL of the work being complete. I insisted that the work must be done before payment is complete, and not only that, but insurance had not yet cut me a check. I have the funds from insurance. My trouble is, they seem to be in such a rush to close this up, and about all I can figure is that they need that payment to write me off and not deal with me again. They've already received the majority of payment from the insurance company, but the remaining balance is now in our possession.

At this point, I suspect I need to hire an independent contractor to check the repairs to make sure that everything is fixed properly as it would seem they're in a rush to get this closed off so they can be done. I'd honestly have no problem paying right now had this been a smoother process, but it certainly hasn't. And all along the way, the only way anything gets done right is if I press them. No one is checking the repairs on their side, and it seemed most of the jobs are hired out to the cheapest laborer (the roof was done by a crew of Mexicans from Florida (I am in Nebraska)). I have no problems with whomever does the work, but I would suspect the work would be inspected and approved by this contractor. It really seems like my only contact this whole time has been this sales guy who, at this point, appears to know less than I do about home repairs, and I know jack and chit for the most part (I know a bit here and there, but I have not worked construction nor finished a room myself or anything of that sort).

What are my options? Should I just pay and move on? At this point I hold somewhere around 30-40% of the remaining balance, and I want to make sure they can't just write me off as soon as they have the check in hand. At this point, that is exactly what I expect to happen, which leads me to believe I need to hire a private individual to examine the repairs.
 

NutBucket

Lifer
Aug 30, 2000
27,138
627
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I would get another contractor in there for a second opinion and dispute. It definitely sounds like the contractor wants to be done with you. Also, is the insurance company aware of what's happening? If this contractor wants to do work with this company in the future it is in their best interest to make them happy too.

The amount of time this has taken is completely ridiculous and unacceptable. A guy at work had a water line break on the 2nd floor and flood out the first floor. In less than 4 months the contractor gutted the first floor and rebuilt everything.
 

mvbighead

Diamond Member
Apr 20, 2009
3,793
1
81
I would get another contractor in there for a second opinion and dispute. It definitely sounds like the contractor wants to be done with you. Also, is the insurance company aware of what's happening? If this contractor wants to do work with this company in the future it is in their best interest to make them happy too.

The amount of time this has taken is completely ridiculous and unacceptable. A guy at work had a water line break on the 2nd floor and flood out the first floor. In less than 4 months the contractor gutted the first floor and rebuilt everything.

To be honest, I have been very lenient on the time because the town (10,000 people or so) received a lot of damage, so I just figured they were constantly working issues on other homes. But as soon as the work is complete... PAY PAY PAY. And I just don't feel like anything has been as important until it is on me to pay.
 

edro

Lifer
Apr 5, 2002
24,326
68
91
You could always pay ~25% or so and tell them you are withholding the rest until you get a second opinion about the repairs.
 

mvbighead

Diamond Member
Apr 20, 2009
3,793
1
81
You could always pay ~25% or so and tell them you are withholding the rest until you get a second opinion about the repairs.

That's just it. They already have over 50% of the payment. So it isn't as if they've received nothing for their work. I am nearly positive that they want the remaining amount so they can simply avoid my future requests.

It does cause me to question whether or not I am being reasonable, but at this point, I feel like they only thing important this whole time is them receiving a check. The stuff I needed waited a LOOOOONG time. And, I was pretty much without my basement for the winter because of how drafty it got down there with the window the way it was and with the sub-zero temps we had this winter.

I need to go home and inspect this latest repair, because something tells me it is going to be a duct-tape type of repair, and will be fairly easy to see that something was done in that corner.
 

SP33Demon

Lifer
Jun 22, 2001
27,928
142
106
Why not inspect the repairs yourself? Just get a ladder and climb up there and look at the shingles.
 

Tsavo

Platinum Member
Sep 29, 2009
2,645
37
91
Strange that people are still conducting business in this manner. I had my shingles replaced after hail, and insurance didn't pay a cent until it was inspected by a third party. There was a small leak some 9 months later, and the company that did the replacement were out the next morning and fixed it without so much as a peep.
 

leper84

Senior member
Dec 29, 2011
989
29
86
You should call your insurance company and give them your side of the story. For all you know they may pay a third party to inspect the work completed so far.
 

Newbian

Lifer
Aug 24, 2008
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I am trying to figure out why op kept with the same company after all the incidents. :(
 
Nov 8, 2012
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"Due to all the damage that has ensued from your lack of workmanship and repair promises, your remaining funds have been used to repair the damage caused from your lack of attending to the problems in a reasonable manner. Have a nice day."
 

Newbian

Lifer
Aug 24, 2008
24,779
882
126
"Due to all the damage that has ensued from your lack of workmanship and repair promises, your remaining funds have been used to repair the damage caused from your lack of attending to the problems in a reasonable manner. Have a nice day."

It's all fun and games until they place a lien on your house.
 
Nov 8, 2012
20,842
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It's all fun and games until they place a lien on your house.

1. Goodluck placing a lien on INCOMPLETE work. It is not (in any way) possible to say "You owe us for work we haven't completed!"

2. I would still tell them to go fuck themselves. If they think their time is worth it, by all means. I would use the leftover funds for a lawyer, because the amount of house damage when you pay for a repair and it takes 2 years to repair it can be monstrous.

3. Court costs aren't free. Especially for a company. There is a reason why credit card companies and such won't pursue debt that is ~ < $2,000. They would rather just sell it off to debt collectors that will attempt to hound you for it. It's not as simple as going to an office and saying "I want to put a lien on this guys house, I did some work for him!". "Ok sir, just sign right here and his property is as good as yours!"
 
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mvbighead

Diamond Member
Apr 20, 2009
3,793
1
81
I am trying to figure out why op kept with the same company after all the incidents. :(

Because I essentially signed a contract with them and insurance indicating they would do the work on my house. At this point, it didn't seem like I had an alternative as they were contracted for all of the repairs... so I waited, and waited.

Thing is, they did finally take care of the one remaining issue, though I have no idea if it passes the 'acceptable' standard. In peeking around, it seems that the work is mostly ok, but at this point... ugh. And to top it off, the caulk wasn't even cured nor was the new invoice in hand and the guy suggested I should stop by Friday or Saturday to pay the remainder.

The other issue is that I declined (and told them prior to signing any contracts) certain repairs (a shed I intend to replace, carpet in the basement, etc) and the 'work not doing' (what they call it in the invoice) totals some $20k plus, but when I look at the payments from insurance, I am not seeing anywhere near that amount left over.

This whole thing makes my damned head spin. I feel like I must hire a 3rd party to validate, or have insurance validate the repairs... and perhaps that is my best option. The other issue is checking with insurance to see what the deal is on some of the funds that seem to have vanished... not sure if that ties into their 'contractor fees' totally just north of $6k.

At this point, it does seem as though their work is complete. I just feel like some of it may have been half assed. And this rush on their part to get final payment is pissing me off to no end. We have the check from insurance at this point, but the principal in my mind is telling me to make them wait. Just not at all happy with how this whole thing has gone, that much is for darn sure.
 

MagnusTheBrewer

IN MEMORIAM
Jun 19, 2004
24,122
1,594
126
Your case has all the hallmarks of big box home improvement stores. Do not pay all the funds until the repairs have been inspected by a third party. Unfortunately, it is quite easy to place a lien on your property BUT, it will be quickly removed if you have evidence of poor /incomplete repairs.
 
Nov 8, 2012
20,842
4,785
146
Your case has all the hallmarks of big box home improvement stores. Do not pay any of the funds until the repairs have been inspected by a third party. Unfortunately, it is quite easy to place a lien on your property BUT, it will be quickly removed if you have evidence of poor /incomplete repairs.

fixt
 

Greenman

Lifer
Oct 15, 1999
22,131
6,372
136
What does your contract say about finial payment? There is almost certainly a time limit stated as to how long you have to pay after receiving a bill. Use that time to have the work inspected.
It sounds to me like your contractor is top heavy and cash crunched. They're all about sales and down payments, getting the actual work done is a secondary concern.
 

notposting

Diamond Member
Jul 22, 2005
3,498
33
91
Agree with some others - call or preferably visit your local insurance agent. They would probably want to have someone check things out (maybe even as simple as their on-payroll claims adjuster), since future claims against crap work are going to hit their bottom line one way or another.

And if the contractor is being fraudulent? Sit back and laugh while the insurance company chews them a new one. :D
 

mvbighead

Diamond Member
Apr 20, 2009
3,793
1
81
What does your contract say about finial payment? There is almost certainly a time limit stated as to how long you have to pay after receiving a bill. Use that time to have the work inspected.
It sounds to me like your contractor is top heavy and cash crunched. They're all about sales and down payments, getting the actual work done is a secondary concern.

The invoice I received the last time gave me something like 30 days. I received a new invoice on Saturday that basically stated the funds were due upon receipt.

I guess at this point the repairs are finally complete. I only question the quality of the work as it seems like the only guy looking at things was this sales guy who seemed to be schooled by the guy the insurance company sent out during one of our joint 'get together and figure it all out' sessions. And aside from that, all of the jobs have been contracted out. Nothing has been done by their personnel as far as I am aware. Another thing that bothers me as one of the main reasons I thought to use them was that I see at least 2-3 of their trucks a day while passing into and out of town. Instead all of my work has been done by third parties.

I figure tomorrow I am going to call insurance to have a conversation with them and see if they can send someone out to validate the repairs. That, and to discuss the excess funds that I don't seem to understand where they went. We're planning on replacing an out building so there were 10k of repairs that I opted against as I'll likely be spending upwards of 20k to replace it with something that can actually contain some vehicles and other items.

Yesterday the guy called and left a message essentially insisting that I call him back. I haven't. I am sure it was purely about me coming in to pay Saturday, which I had no intentions of doing. We do intend to pay this week if we get good word from insurance.

I dunno, at this point, I guess they're officially finished. I just don't know that any real effort was put into this on their part. One new thing I have noticed is that the windows that were replaced seem to be allowing a TON of bugs through them. Flies/asian beetles etc, two of the replaced windows had a dozen or so bugs on and around them. I assume there is something either wrong with the window or with the installation, but I have no idea. I have looked but can't seem to find a seem where they would be getting through.

This sucks, and I am tired of dealing with it.
 

ultimatebob

Lifer
Jul 1, 2001
25,134
2,450
126
I'd like to say "Lawyer up", but it seems that advice might have been more useful a few weeks ago when they threatened to put a lein on the property.

I'm betting that one nasty letter on law firm letterhead would have ended that shit quickly.
 

mvbighead

Diamond Member
Apr 20, 2009
3,793
1
81
Actually, calling in and speaking with his manager stopped that shit fast. Then it was just formal mumbo jumbo that is printed on all invoices. Funny thing is, it wasn't on the last one I don't think.

All in all, talking with the manager seemed to steer this back in a good direction, and they then put me in touch with the manager's assistant (a former sales guy working his way up in the business after being there for a while). He seemed to be out to set this right, but then all of a sudden I end up getting calls from moron #1 again.

All in all, the work is now 'complete', but this rush makes me wonder what is missing. I'll call insurance just to make sure I have what I need.

At this point, I'm done. And I am sick of getting phone calls every day or two whereas before I wouldn't hear from them in weeks.