[quote=“gweedo”]tell them you dont want to get the *****
i would bet everyone here has done a roof for a homeowner,through a homeowners permit.
for what ever reasons.
it is not a crazy notion.
I roof in Florida. I have never offered that choice to a homeowner. With our complex codes and stringent standards in the High Velocity Wind Zones that I am accustomed to working in, I would never consider offering that option either.
Regardless of location, in my experience as a roofer, and now as an estimator and salesman the potential risks compared to the potential gains in savings they may enjoy, by pulling the permit themselves are very lopsided towards the house’s (Roofer’s) favor.
The homeowner runs a full gambit of potential risks even though he lives in a much less wind prone area of the country than I do. Substandard workmanship is only one risk. Bigger risks are, unpaid suppliers or workers. The path to prove an ‘Account Stated’ credit and debtor relationship is very easy to show with a homeowner pulled permit.
An even scarier thought would be that this budget roofer needs the homeowner to pull this permit because his insurance has lapsed. Roofing is just slightly less risky as crab fishing in Alaska. It is not a matter of ‘someone may get hurt’ instead it is just a matter of when and how bad someone gets hurt.
We receive, maybe 2 invoices a month for injured roofers medical expenses that we will pay out of pocket in order to keep our Comp INS. premium lower. If someone gets injured on this job it’s even money they will make a claim against the home owner’s insurance. Once again you have an owner pulled permit that would just be sweet icing for some personal injury attorney. The irony here is that even the roofer who owns the roofing company could get hurt and make a claim against this homeowner.
All for what? The problem this homeowner is facing is he is comparing 2 bids and seeing a giant price difference with only the permitting issue as the difference. That price gap is for a reason and the reasons are the risks involved.
I would get another bid and insist it reflect that the roofer will pull the permits and include the fees for doing so. Or ask this roofer to reprice his bid with that same criteria.