Will State Farm Insure Roofers?

[VaDwayne]

Does State farm write roofers for G.L?

 

[djs]

Well, I don't work for State Farm, but in California, I can pretty much assure you this answer is No, no, no, no, no. Doesn't matter whether its GL or WC.

Maybe they will write the autos..... not sure on that one. Probably not.

Dan

 

[VaDwayne]

Well, I don't work for State Farm, but in California, I can pretty much assure you this answer is No, no, no, no, no. Doesn't matter whether its GL or WC.

Maybe they will write the autos..... not sure on that one. Probably not.

Dan

I spoke to a potential client this morning that has a CPP through State Farm, and wanted a competitive quote. After some digging, it seems that State Farm has them rated as "carpentry", but no rating at all for his roofing. The wife aked me, and I told her, what would happen if they had a roofing claim. She was paying, get this, $429.00 a year and he primarily does roofing.

 

[JCK818]

Yup, that's most of the insruance companies out there. Screwing people. That's why I always ask to see their current policy.

 

[Air Jer]

Let's not confuse rating with coverage. If State Farm has this on a CGL with no exclusionary endorsements, there would be coverage. Some would claim fraud would kill coverage for the insured and they would be right but keep in mind that most times intentional fraud can be very difficult to prove against an insured. Most likely, State Farm would seek retribution from their agent who surely knows what the insured was doing but failed to disclose it. Then again, maybe he/she is so naive that he/she did not know what they were doing and then that's State Farms problem and I shall shed no tear for them. As the texts say, insurance is a contract of adhesion and any ambiguities will be interpreted in the favor of the insured.
If me, I'd start reviewing the policy exclusions. If nothing can be found, I'd move on because 400 some bucks will be impossible to beat.

 

[djs]

Somedays, you just know something is fishy.... this is one of them.

Any roofer shopping a $400 insurance premium has a problem he isn't talking about. Heck, its not even worth pursuing this for either party. Now, what he probably has is simply an office liability policy, not a general liability policy. He has probably found this out from someone not accepting his insurance policy certificate.

Now, if he can pay you the $400 and get the certs he needs, he'll be happy to switch. Of course, you'll get every roofer in the state!

Dan

 

[VaDwayne]

Let's not confuse rating with coverage. If State Farm has this on a CGL with no exclusionary endorsements, there would be coverage. Some would claim fraud would kill coverage for the insured and they would be right but keep in mind that most times intentional fraud can be very difficult to prove against an insured. Most likely, State Farm would seek retribution from their agent who surely knows what the insured was doing but failed to disclose it. Then again, maybe he/she is so naive that he/she did not know what they were doing and then that's State Farms problem and I shall shed no tear for them. As the texts say, insurance is a contract of adhesion and any ambiguities will be interpreted in the favor of the insured.
If me, I'd start reviewing the policy exclusions. If nothing can be found, I'd move on because 400 some bucks will be impossible to beat.

Thanks, when I spoke to the wife yesterday(on the phone), she said the they felt they were covered to do ANY job that they can legally do with the license they have. I told her that I couln't save her money and that she may spend 5 times as much, rated as a roofer,

I spoke to the husband today on the phone, and I didn't get a good feeling about this guy. When I ask him if used subs, he said,"why do you need to know that?" Then when asked if his subs were insured or uninsured, I could tell he was lying with his answers, then, I asked him what was his cost for subs, he said that was his business, which is when I politely told him to take his business elsewhere, and went about my day.

Oh yeah, after his wife told me yesterday that roofing was 20-25% of his business, he told me today that he had never done roofing, had only replaced shingles on a porch roof, and that only roofing he will be doing is 2 jobs he has scheduled for a couple of months from now.

Funny stuff.... Let State Farm take the risk...

 

[Air Jer]

Dwayne, remember the old Ventures song - Run don't Walk. As we both know, there are better prospects awaiting your help.

 

[the mayor]

This guy probably is set up as a "Handy Man" or "General Carpentry".
State Farm (at least in NH)will allow these guys to repair/replace around 15% of an original roof.
The policy is, as you see, very cheap money....and does have the exclusion in very bold letters ( I believe it is stated on their cert also).

Run away...big time waster here.( as are a lot of the one man contractors)

 

[VaDwayne]

Dwayne, remember the old Ventures song - Run don't Walk. As we both know, there are better prospects awaiting your help.

It is done, on to the next...

Oh, by the way, I ordered the "Dynamics of Selling" DVD and CD's from CIC. I hope they have some good ideas in them, if not, they'll make good coasters..

I thought this would be a good alternative to going to Florida or South Carolina to class.