What would an attorney do? I received an ad in the mail from a local roofing company.

I would be very cautious and take everything with a grain of salt. However, if there is any truth to what is being alleged by the roofing company, you may be passing up an opportunity to have your roof replaced at little or no cost to you, perhaps. If an adjuster is willing to come on-site at the same time the contractor is present and the adjuster agrees to replace the roof, you should get everything in writing and your contract with the roofing company should clearly state that the roofing company will seek sole reimbursement from your insurance carrier and that you will not be obligated to pay anything not covered by the insurance company. The roofing company standard contract will not protect you, it protects them. I suggest you have a local attorney review any agreement you want to enter into with the roofing company. You also need to make contingent arrangements in the contract to cover things like unexpected roof rotting, etc. and who will pay for that I also suggest you contact the Better Business Bureau and the Secretary of State's office to see whether or not this roofing Company has had complaints lodged against it in the past. If it has, stay clear. Legal Disclaimer: Mr. Lundeen is licensed to practice law in Florida and Vermont. The response herein is not legal advice and does not create an attorney/client relationship. The response is in the form of legal education and is intended to provide general information about the matter within the question. Oftentimes the question does not include significant and important facts and timelines that, if known, could significantly change the reply and make it unsuitable. Mr. Lundeen strongly advises the questioner to confer with an attorney in your state in order to ensure proper advice is received. If the information received has been helpful, please indicate.

I would probably do a little research. Can you speak to the previous owner to find out what sort of roofing materials was used, or are there records? I may call Atlas Chalet Shingles to obtain more information. Perhaps you can access the builder of your home through your field card at the town hall and speak with the builder about the brand of roof shingles he used. If Atlas sold defective tiles, Atlas may be required to replace them, depending on deadlines or statutes of limitations in your state. Most insurance companies allow you to make some claims without dropping you or significantly changing your rates. It would be unusual for an insurance company to drop you over making one or two claims. This solicitation sounds too good to be true. I would seek out a reputable roofer and public adjuster and see what they think.

That is why you have insurance which may subrogate claim against roof inspector!!

Before you do anything find out if your roof is actually an Atlas chalet roof. That should dictate your next steps. If the inspector said it's not an Atlas chalet roof well then you don't need the new roof. If your roof still has 5 years of good service left on it then allow it to perform its job for the next five years and at year four look into a roofer. One never knows what ship lies beyond yon horizon. So you never know what new roofing products will come out in the next four years. We suggest take a shingle to your local roofing company supply house and ask them what type of shingle that is. Then you have 4 years to determine what kind of shingles you want to put on your roof.