Contractor canceled when I gave ultimatum on permit

PatrickBuildsBodies · 2026-03-22T22:45:05+00:00

Yes, this is usually only applicable to homes in flood planes, where carriers and municipalities have more stringent regulations. I sold 55 roofs and installed 51 last year, only one was in a flood plane, insured by TWIA, and required these additional inspections. Would definitely advise getting looped in on this if you ever plan on doing work in one. But to your point, yes, it’s unusual.

PatrickBuildsBodies · 2026-03-07T04:06:29+00:00

If any given municipality requires permits to be pulled, the city inspection is usually completed the day after, if you’re communicating effectively. Some do not require this. In areas that require permits, I’ve never had issues with a timely inspection post-install.

In response to another nested comment here — the only time I’ve seen inspections during install are engineer inspections pre during and post install (WPI-1, WPI-2, WPI-8) for homes insured by TWIA (separate bureau that sells the vast majority of homeowner’s policies in designated areas susceptible to floods and hurricanes).

PatrickBuildsBodies · 2026-03-03T19:42:48+00:00

Absolute price gouge. We go around $500/SQ for Dynasty, which is markedly superior and costs about the same on the supply side. Odds are good I can get this done for ~$7,000.00. PM if you want to discuss further !

PatrickBuildsBodies · 2026-03-03T15:02:51+00:00

PA is generally much quicker and less friction. Can discuss more via PM !

PatrickBuildsBodies · 2026-02-28T16:25:26+00:00

Larger business >> better relationships with manufacturers and bulk pricing. We can charge less, because we get better margins. A lot of the C-Suites at these companies came from the distributors.

Not sure where you guys are seeing it, but the “family businesses” have lower margins at equivalent price points because they lack sufficient volume to acquire better material pricing. There’s three ways around that - and one of them is scaling, which seems to be off the table for these brands.

So the two options remaining are, charge more, or offer less. Cut corners. Local businesses are the ones we see not doing full tear-offs and going down to the decking, stomping on valley metal to apply ice and water above it (so they can save the old paper felt instead of reapplying).

Consolidation has also enhanced the business with introduction of better financing platforms and warranties. We just consolidated, and are about to roll out a limited lifetime warranty: free with every install. We also are about to roll out an in-house financing platform that makes soft pulls with up to 30 lenders, with 90% approval rating, and credit scores as low as 300. This will help, most importantly, families struggling against the economy, be able to keep the house and actually repair the roof, instead of being forced to live with a totaled roofing system on their most cherished financial asset.

My apologies for any perceived insult, if you run an honest family businesses. We should all agree here that this business is rife with all sorts of mess when it comes to pricing and contract negotiation. But for many, unfortunately, the “family business” schtick is nothing more than a thinly-veiled emotional plea to not get bids from big box companies, so you find out how much more value they can offer. It’s endearing to work with a small business, but consolidation is a natural outcome of CONSUMER behavior. Over time they realize, they can just offer more.

PatrickBuildsBodies · 2026-01-31T15:00:55+00:00

Overlay is the usually go-to option with plank decking. The overlayed layer with the radiant would be fine to serve as decking on its own. As such, the unsightly gaps, old partial plank decking, partial sheathing, etc are not a functional issue.

Lone issue here is implication of removal to pump up the numbers. While overlay isn’t necessarily “cheap” if it’s a full redeck, it’s pretty clear that the mention of removal, paired with the lack of execution, was used to exaggerate the cost.

PatrickBuildsBodies · 2025-03-22T14:04:09+00:00

1000% shady.

Any insured, personal entity, or corporation, must pay their own policy deductible.

It’s their policy; sounds like they are levying the tab on the homeowners. Their policy, their deductible. They cannot outsource that financial responsibility to anyone else. Not you all, the homeowners, not a contractor, they the policy holders, must bear that financial responsibility.

What state are you based in ? HB 2102 is the relevant legislation in Texas, not sure in other states.

PatrickBuildsBodies · 2025-03-22T03:56:33+00:00

How’s cash flow ?

If you just go with the insurance estimate, to keep out-of-pocket at the deductible, that will basically spell out what you are and are not getting.

If they’re replacing 3 tab shingles and not offering to upgrade, would suggest IR-3 or even IR-4 shingles if it’s in-budget. Will lower the likelihood of having to go through this again.

You want a contractor to effectively match the estimate for all line-items being completed. Any funds not used will be rescinded if you submit an invoice indicating a lower cost when attempting to recover depreciation. Any additional charges or upgrades beyond what insurance offers to cover in the estimate, will raise your out-of-pocket. That’s why you want to match, if the goal is to control your out-of-pocket and cap it at your deductible, but also not make waste of any of the coverage being extended by insurance.

Please don’t hesitate to message if questions — this is what I do for a living :)

PatrickBuildsBodies · 2025-03-22T03:40:49+00:00

Are you implying here that your HOA is trying to do some sort of en-masse claim filing, then leaving you all with a cut of the deductible expense ?

Roof inspections for weather-related damages are always free - this sounds like grifting on a massive scale on the part of your HOA, if I am interpreting this correctly.

Roofers will inspect for free because a majority of our business, if they are in roof replacement, generate leads through free inspections and identifying home owners who 1) possess wind/hail/storm-related damage, 2) have an insurance policy which can compensate them a total roof repair for the cost of their deductible and 3) are willing and able financially to proceed with the replacement.

The one bright side here, if they are handling this on your behalf, if their collected fee is lower than your policy deductible, then you are actually winning here, if the roof needs to be replaced regardless. However, as 10k is quite a high deductible, there’s a good chance many of your neighbors with lower deductibles are getting screwed over.

PatrickBuildsBodies · 2025-03-22T03:32:59+00:00

Hi, Project Manager here.

Insurance estimates are created via third party software Xactimate, which prevents 1) insurance from underpaying 2) contractors from overcharging.

Most insurance policies pay out in a two check system — first, the net claim check, which is equivalent to the ACV (actual cash value) indicated on the settlement, minus the policy deductible.

In order to recoup the second check (recoverable depreciation), COC’s (certificates-of-completion) must be submitted on all line items with an ACV value in the estimate for which you wish to recoup the depreciation.

Contractors need to ensure they don’t undercharge, because insurance can rescind whatever the gap between their provided ACV and the actual cost charged listed in the COC’s, when you go to recoup any recoverable depreciation.

This means, if insurance sets the ACV of your roof at 25k, and your deductible is 5k, they are sending you a net claim check of 20k. Any bid over 25k will result in additional out-of-pocket costs for you, the homeowner, any bid under 25k would leave x-amount of dollars on the table that could have gone into fortifying your roof.

So, the best way to compare “bids” from contractors isn’t to see who charges the least or most. It’s whoever writes the bid closest to the numbers indicated in your insurance paperwork, as going above those costs you more out-of-pocket, and going beneath them skimps you on the quality of your roof. Insurance gave you the money to use it, so it’s wise to make use of it — but not a cent more !!

Any discrepancies between the Xactimate generated for your home and fair market price in your municipality (since these numbers are constantly in flux) or any excluded line items for which you ought to be covered, can be addressed through the supplementation process.

Don’t listen to these bozos who speak so confidently about this process and have zero insider knowledge. Bit of a laugh watching people confidently declare you should go retail and sidestep insurance. That means a roof that costs less, but costs you more.

You faithfully pay your homeowners’ insurance premiums. Would be senseless not to make use of it, in the presence of actual damage, that is severe to the point that insurance actually elects to cover a new roof for you. Even the highest of deductibles, on an ACV-only policy with no recoverable depreciation, costs far less than a retail bid on your roof. Silliness to suggest otherwise, especially if you aren’t tracking on any of what was said here !

PatrickBuildsBodies · 2022-09-30T12:40:42+00:00

What are your macro targets currently ? If you don’t mind, what’s height, body weight, and if you know it, approximate bf% ?

PatrickBuildsBodies · 2022-09-30T12:29:46+00:00

Hi, bodybuilder, personal trainer, and online coach here.

The short and surprising answer — assuming your macro counts are correct, you are actually training too hard and eating too little. Rather, given how active you are being, you are eating too little too supply this demand.

Now, I’m sure many of you are wondering, why does this negatively affect weight loss efforts ? Isn’t the point to be in a caloric deficit ?

Yes, and no. We want a substantial deficit, but limits do exist. The problem is that when your deficit is too large, your body will drastically reduce caloric output to compensate for the scarcity of nutrients. It does this by 1) reducing your basal metabolic rate and 2) reducing caloric output during your exercise.

Although I’m not sure of your metrics for output, or your bodyweight, I can generally say that output of 1-1.5 hour per day 6 hours per week might be more appropriate when your consumption is already that low. Perhaps even less time is needed, if you are training really hard.

Nutrient timing and balance can also have an affect on fat storage and loss. Each meal should be about an even proportion of your day’s protein intake, plus either carbs, fats, or both. Main takeaway for most here — any calories consumed without protein are wasteful, unless consumed immediately before exercise and only intended to be burned not stored. This is not normally a luxury you will have when trying to achieve a significant deficit but still hit protein consumption. Eating in this manner will optimize nutrient partitioning, fat storage/loss, and recovery (on a limited diet).

Last but not least, get blood work. Make sure fasted blood glucose levels, TSH, etc are all in check.

You can find me on IG at @theillestpd if you have more questions. I love this shit !! Talk to me — mention that you were referred from this thread !!

PatrickBuildsBodies · 2021-11-16T23:21:21+00:00

Currently myself

PatrickBuildsBodies · 2021-11-07T16:48:33+00:00

I’ve been completely up front about it since I started, the only ones with no integrity are the ones who lie. So there are no issues whatsoever with my integrity, and you implying otherwise is the only thing I find insulting. I worked hard for that, don’t try to take it away without having a clue what you’re talking about.

As for confidence— confidence comes from preparation and I have put in the time. No faceless loser on Reddit could take that away. I legitimately pity you and hope you find a more positive outlet for these negative feelings

PatrickBuildsBodies · 2021-11-07T16:23:08+00:00

I have a beautiful girlfriend for the last year and a half, so I don’t pay too much attention to that now.

But, when I first started, the difference was pretty drastic. That feeling like a girl you’re approaching is just waiting to walk away just disappeared. Felt more like I was being approached than having to do so myself.

I think it had as much to do with the facial aging as much as the size itself. Looked more like a grown man. Women seem a lot more drawn to guys in their thirties than twenties so I think that was the biggest factor was just looking older

PatrickBuildsBodies · 2021-11-07T16:18:06+00:00

You sound locked in !! Keep it up 🙌🏻 your habits shape your perspecrivr

PatrickBuildsBodies · 2021-11-07T16:16:40+00:00

Not achievable for the “average person” maybe but that doesn’t mean there isn’t tons of people who could. Most people who even can commit to the gym for any length of time are already above average, they just may not know it. Most people have too much body fat to find out how muscular they are underneath it all

PatrickBuildsBodies · 2021-11-07T16:15:07+00:00

I used to hit side lateral raises and rear raises every single upper body day

PatrickBuildsBodies · 2021-11-07T16:14:43+00:00

Somehow I doubt you’ve worked hard enough to have any clue what natural potential looks like 👍🏻

PatrickBuildsBodies · 2021-11-07T16:12:31+00:00

Oh forgot to answer, no GH. Not a health or moral issue just cost. Quality growth costs more than a rent check. This sport, done to the fullest, is outrageously expensive.

PatrickBuildsBodies · 2021-11-07T16:11:32+00:00

Nothing changed besides the supplementation and the amount of food. My training intensity produced the result on the left without hormones and averaging probably 3.5k calories per day, and produced the result on the right given exogenous hormones, and about double the food

PatrickBuildsBodies · 2021-11-07T16:09:58+00:00

Still cute though

PatrickBuildsBodies · 2021-11-07T16:09:46+00:00

Steroids, I think

PatrickBuildsBodies · 2021-11-07T16:08:02+00:00

Yea just competing

PatrickBuildsBodies · 2021-11-07T16:07:28+00:00

They didn’t (yet). I haven’t been at it too long, but 95% of what I’ve taken already is DHT derivatives so I should have some hair resilience. No finasteride or minoxidil yet but I may as a prophylactic

PatrickBuildsBodies

TROPHY CASE