Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:07/09/2024

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  A sales representative named Jeremy Jordan from Final Touch Construction and Remodeling in Bedford Heights, Ohio 44146 showed up to our residence on May 22, 2024. Both my husband and I believed that he came to obtain permission to speak with our home owners insurance company and needed our approval to do so thus the need for us to sign an Authorization form. Unbeknownst to us, Jeremy Jordan also presented us with three additional forms, a Service Agreement, Service Agreement Addendum: Loss Procedures and Expectations Acknowledgement as well as a Service Agreement Contract Notice of Cancellation. We never received a roofing estimate on May 22, 2024 we requested one by email from Jeremy, (Received Roof Replacement Quote on June 18, 2024), yet on the Service Agreement he pre-checked the “No estimate” box and lied during the phone conversation with our insurance company (the call was recorded by State Farm) about the date of the weather damage to our roof. We were unaware that all of the additional forms presented by Jeremy J***** were Contingency Agreements. After realizing that Jeremy Jordan was unscrupulous, we decided to kindly send an email letting him know our concerns, he sent an email stating that we would owe $1450.00 as per the back of the Service Agreement, which is about a little over half of our deductible ($2808). This company has not done any work on our roof, I have not signed a build contract with them and no materials have been delivered, however, as a strong arm tactic, they are telling us to either use their services or we owe them. They have done nothing more than prove how very unprofessional and untrustworthy they truly are and we will not use their services.

  

  Business Response

  Date: 07/15/2024

  To whom it may concern, 
  
  Please see attached service agreement that is very black and white and written in layman's terms on the terms and conditions of our contracts. The client was very clear that in the event the insurance carrier paid to replace their roof, FTC would complete the work. We are not a charity. We do not work for clients to get their insurance companies to replace their roof and not expect to complete the work. That is the only way we are compensated per the contracts. The clients were very clear and understood that this was the case. They also initialed that they understood the consequences and fees associated with cancelling the contract after the insurance approval. Please see attached terms and conditions of the service agreement initialed by the clients. Both husband and wife that signed the contract are of sound mind and body to understand what they signed. We recovered over $10,000.00 for this client and they decided to use a different company to complete the work for less and commit insurance fraud. The client requested a detailed estimate per the complaint. Please see the attached scope of work completed by State Farm. A detailed estimate was already provided in the same software FTC uses to write its estimates. At contract the client chose no estimate under the understanding that State Farm would provide the quote and scope of work. See service agreement for clients initials next to "No Estimate". The clients would have nothing if it was not for our services. They called us from a folder seeking our services. We will be seeking counsel for compensation for our services rendered per their agreement. We have fulfilled our contractual agreement. These clients have not, unethically! They saw a large sum of money from the claim and decided they could make money off the claim. Insurance claims are meant to make you whole, not a whole lot of money. They had zero justification for allowing another contractor to replace the roof when all they had to pay was their deductible as agreed. Please see all attached documents that justify our position and close the complaint.

  Thank you!

  Customer Answer

  Date: 07/17/2024

  Good day,
  

       We have reviewed the response made in reference to Complaint ID# ******** *nd have determined that this does not resolve the complaint. The allegations of insurance fraud are unsubstantiated, baseless and have not been demonstrated in this case. We are considering reviewing your insurance fraud allegations with our family attorney for next steps, as allegations such as these are serious and require substantial evidence to support such claims. Furthermore, please review Ohio Revised Code Section 2913.47, which outlines the offenses related to insurance fraud, conveying that, "opting to engage a different contractor does not constitute insurance fraud, UNLESS there is clear evidence of intent to deceive for financial gains." The insinuation that we sought to profit from the insurance claim is not only false, but misleading. To be clear, the company that we have chosen to replace the roof is receiving one hundred percent of the funds allocated from our insurance company, plus our deductible. We would like to make it perfectly clear, that we were more than happy to incur the additional expense from your company for the so called "services rendered," to find a far more professional and experienced company that made us feel comfortable with this experience.  

   

  Respectfully,

  The Property Owner.

• Initial Complaint

  Date:09/26/2022

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company made the claim that I could have a new roof and have my insurance pay for 100% of it except for the deductible. As we began to go through the process I learned that my insurance was not going to pay for everything. In the midst of this process, my mom passed away. Nine months later I lost my dad. I asked them to put the breaks on the process. When we started back going over costs it began to morph into something much greater than I thought. On top of that insurance was not going to cover what I anticipated. I canceled the agreement and they held the portion against me that I asked to nullify due to the passing of my parents. They charged me 1400.00 for nothing and left a 5 shingle space that they used as a sample missing from my roof. It looks terrible. Mind you no crew came out, and no work had begun but I'm out 1400.00 I would not advise anyone to use this company.

  

  Business Response

  Date: 09/26/2022

  To whom it may concern. This is not a complaint. This is a review. I don't expect this person to know the difference. This clients roof claim started at $689.00 which was below her deductible. The insurance did not pay her a dollar. Please see attached document showing the original claim total. 10 MONTHS OF FINAL TOUCH CO FIGHTING HER INSURANCE CARRIER, we got the roof approved per our contract. We do not charge a dollar for our time and resources spent if a client FAITHFULLY enters into a contract as promised ONCE approved. Due to our efforts the new claim total was $7,047.27 (See attached new estimate dated 10 months later). As stated, in her "review" all she had to pay for was her deductible. Which IS THE LAW! It was time to contract with us to complete the work. She canceled. She then wrote us a check for our services rendered per her contract. This is your typical unethical client. The type to put hair in their food for a free meal. Please also see attached, black and white contracts and acknowledgement addendum that dumbs down our terms and conditions that a blind squirrel could understand. Pease close this complaint. Thanks BBB.