do not use affordable home solutions

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Jonah

Jackson, TN

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#2
Mar 27, 2010
 

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Amen. We got burned too. They fraudulently represented themselves to be "licensed contractors", but they are not licensed contractors with the state of TN. And yes, after the estimate scam, they pulled the 20% nonsense on us.
report the company

Union City, TN

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#3
Jan 29, 2011
 

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Jonah wrote:
Amen. We got burned too. They fraudulently represented themselves to be "licensed contractors", but they are not licensed contractors with the state of TN. And yes, after the estimate scam, they pulled the 20% nonsense on us.
I looked up the company and it says right on their website free estimates the only way you should be charged 20% is if you signed a bid and it states on the bid that 20% will be charged if you don't use their company.Also every state has a department that handles insurance and contractor issues,I would just go to TN government page and look under contractors or insurance and you should find all the steps to get the situation straightened out. If you are not happy with what your experience with the company,please call the government authoritative and complain so that unscrupulous companies cannot continue to make money by cheating honest people.
grandpa

Savannah, TN

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#4
Jan 29, 2011
 

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Yep DO NOT call these people. We got burned bad. Made us sign a form to "just do and estimate" and to negotiate with our insurance company to get the highest amount. We couldn't get out of it. Took forever to get the work done. They came back and wanted more money too than what our insurance would cover. Very unpleasant experience.
I called the City of Jackson and they had never heard of them.
motherof4

Jackson, TN

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#5
Jul 12, 2011
 

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wow i totally didnt get that from affordable home solutions. if it wasnt for them i would have been out about $20,000.00 i did my homework with this co and they are a licened comtracters in the state of tn. i did read about the 20% thing but theres alot more to the 20% than is being told. i in my life have never had to sign a bid. i did sign there contract after i read it all. i dont think you people read what you we're signing. if your ins co. gives you money to pay for your repairs and you get gready and wanna keep the money then your in the wrong. i mean get your damaged house fixed for just a deductable. thats an easy answer for me. $500 instead of $20,000 sounds good to me. so i must say thank you to affordable home solutions for helping a single mother of 4
guest

Martin, TN

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#6
Jul 13, 2011
 
Are they the ones with the black and yellow trucks?
billybob

Jackson, TN

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#7
Jul 13, 2011
 

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motherof4 wrote:
wow i totally didnt get that from affordable home solutions. if it wasnt for them i would have been out about $20,000.00 i did my homework with this co and they are a licened comtracters in the state of tn. i did read about the 20% thing but theres alot more to the 20% than is being told. i in my life have never had to sign a bid. i did sign there contract after i read it all. i dont think you people read what you we're signing. if your ins co. gives you money to pay for your repairs and you get gready and wanna keep the money then your in the wrong. i mean get your damaged house fixed for just a deductable. thats an easy answer for me.$500 instead of $20,000 sounds good to me. so i must say thank you to affordable home solutions for helping a single mother of 4
U kan't evan spel. eithir u wurk their or u gots ripped off and dont no it....
billybob

Jackson, TN

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#8
Jul 13, 2011
 

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License Status ACTIVE - FULLY LICENSED
License # 63088
License ID 63088
Expiration Date Nov 30 2011
Original Date Nov 23 2009
Profession Code 1801
Profession Name Contractor
First Name
Middle Name
Last Name AFFORDABLE HOME SOLUTIONS, INC.
City JACKSON
State TN
Zip Code 38305
Rank Contractor
License Activity Description

They are licensed, but if you look them up on the better business bureau they have 4 complaints filed against them since last sept.

http://www.bbb.org/memphis/business-reviews/g...
Chris Williamson Owner

Jackson, TN

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#9
Jul 13, 2011
 

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Hello my name is Chris Williamson and I am the owner of Affordable Home Solutions inc. Please assess the validity of the above accusations after I explain our side of the situation.
First, Affordable Home Solutions IS a fully licensed and insured general contractor with the state of Tennessee board of contractors. I have conveniently scanned and put all of our company information on our website www.ahsolution.net for any one that would like to check us out.
Secondly, Affordable Home Solutions is well known by the City of Jackson. We are a member of the Chamber Of Commerce, we have been in the Jackson Sun, on many radio stations and on the local news, Fox and WBBJ, for giving away and installing free roofs to people in need of a new roof but just don't have the money. We do this public service about once each year.
Finally, Affordable only applies a 20% fee on situations where the customer tries to pocket(insurance fraud) the insurance money that we, Affordable, got for them by working with their insurance company and their adjuster in going over all the insurance covered damages, which involves allot of paperwork, data entry and specialized training. Our contract states very clearly that Affordable Home Solutions will act in settling your claim, to make sure all insurance covered damages get paid for. After the claim is settled Affordable will perform all the repairs/rebuilds stated by the insurance company, for the insurance proceeds.
But, this is what sometimes happens, the customer gets greedy and wants to pocket the insurance money, decides not do the repairs and refuses to pay us our 20% for our services in getting them the money in the first place. This is not only dishonest, unfair, greedy but it is insurance fraud!!!!! If the customer did what they agree to do in the first place, their damages would be repaired and they would not have to pay a dime.
You have to understand, settling insurance claims takes allot of company resources and man power, if customer decides to dishonest and "take the money and run" without doing the repairs, I must still pay the people involved in settling the claim, this is why we have the 20% fee. If you hire an attorney and he wins the case for you do you pay him for his services??? Of course you do. Same difference.
myopinion

Savannah, TN

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#10
Jul 13, 2011
 
explain the bbb claims on you then.... 4 different ones. I was going to go through you guys on my storm damage till I read this and saw the 4 bbb claims!
Chris Williamson Owner

Jackson, TN

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#11
Jul 13, 2011
 

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Thank You BillyBob, for bring to light that we are a valid Contractor.
As far as the BBB goes, 4 out of thousands is not a bad ratio. Our BBB rating is A+. As a company we realy try to satisfy every single person but dispite our efforts sometimes it is impossible to make everyone happy, some people are never satisfied no matter what you try to do. If your a bussiness owner or work with the public then I think you know what I'm talking about.

Reason for Rating
BBB rating is based on 16 factors. Get the details about the factors considered.

Factors that raised Affordable Home Solutions, Inc.'s rating include:

Length of time business has been operating.
Complaint volume filed with BBB for business of this size.
Response to 4 complaint(s) filed against business.
Resolution of complaint(s) filed against business.
BBB has sufficient background information on this business.
Chris Williamson Owner

Jackson, TN

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#12
Jul 13, 2011
 

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One example of our BBB complaints: Mr Hill wanted us to do a spot repair on his roof and install some gutter on his home. We came out the next day and did the work, He was not home but his wife ask if we could install a chimney cap on the side chimney, we said sure but it would be a special order due to the size and labor and materials would total $450. She said that would be fine so we added it to the contract. One week later we installed the cap and invoiced Mr. Hill for the job. He said that we added the chimney cap to the contact without his permission and he was not going to pay. I explained to him he was not home at the time and his wife wanted the cap to be installed. He said he still was not paying!!

In short Mr. Hill put a complaint in to the BBB, Affordable paid for his chimney cap, installed it and we didn`t get paid for it at all.
Crooks

United States

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#13
Jul 13, 2011
 

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What about your guys walking off a job in Humboldt last year after the ins adjuster would not approve a full roof replacement for 1 damaged shingle on the roof? Your salesman had the homeowner sign a contract without even giving an estimate first, then, no big money full roof replacement and they walked off the job. Broke thier own contract. Specialized training? More like training in high pressure sales tactics. Btw, bird poo is not hail dmg. You guys are all about money nothing else. Also, you cant act on behalf of the homeowner to settle a claim without holding a public adjusters license, its state law.
saywhat

Jackson, TN

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#14
Jul 13, 2011
 
Crooks wrote:
What about your guys walking off a job in Humboldt last year after the ins adjuster would not approve a full roof replacement for 1 damaged shingle on the roof? Your salesman had the homeowner sign a contract without even giving an estimate first, then, no big money full roof replacement and they walked off the job. Broke thier own contract. Specialized training? More like training in high pressure sales tactics. Btw, bird poo is not hail dmg. You guys are all about money nothing else. Also, you cant act on behalf of the homeowner to settle a claim without holding a public adjusters license, its state law.
That sounded a little fishy, they act on behalf of the person to get more money from the insurance company which is then paid to AHS for repairs. So who is this extra money benefiting? What's the definition of insurance fraud?
i would think

United States

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#15
Jul 13, 2011
 

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Insurance fraud is obtaining money you are not rightfully entitled to. you are entitled to parts/labor regardless of if you get it fixed..so i dont see it as fraud to obtain as estimate and then choose to fix it yourself. if you fix it yourself, you are entitled to being paid for your own labor. why do you think there are so many people riding around with dents in their cars? they decided to keep the money rather than fix their car. they were still owed the money regardless of what they did with it.
burned by AHS

Savannah, TN

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#16
Jul 13, 2011
 

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It was several years ago when we asked to get an ESTIMATE. All we wanted was to get estimates from contractors. They made us sign a form authorizing them to do an estimate and talk to our insurance adjuster. Later we found out this was not necessary we should have called the insurance company first. Turns out the form was a binding contract for AHS, but the high pressure salesman never came back with an itemized estimate. They just showed up many weeks later and started to work. They guys doing he work were a crew of latino workers, probably subcontracted by this "sham business". The insurance company sent affordable home solutions the check which they said was not enough. It was not made out to us, so we were not trying to rip off the insurance company or this "contractor" While we were waiting for the estimate we called the City of Jackson building department and they could not find a state contractors license for affordable home solutions nor could they find a business license. This was several years ago so they could have their contractor's license by now, but i tell you one could not be found in the states database under that name or the estimators name or the Williamsoms name. Besides any person calling themselves a handyman can go around getting work without a contractors license if they never pull permits and claim they never do projects over 25 thousand dollars. The address they use was on stonebrook in jackson, which we found out was a post office box number with the UPS store. As far as BBB ratings, well the building dept told us that is also based on what membership level the business pays to the BBB to be a member. BBB rankings are just paid advertising.
Chris Williamson Owner

Jackson, TN

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#17
Jul 13, 2011
 

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OK, everyone is an adult and is fully capably of making their own decisions, to say Affordable made you sign anything is ridiculous, plus it states on our contract you have 3 days to cancel out with no penalties. Here's a fun fact for the guy above, Affordable Home Solutions has it's own fulltime employees that are on payroll and dose not sub out any work, Affordable owns all of it's own equipment.
As far as Mr. Texas above, how do you walk of a job if we were not even going to start it since the insurance didn't approve it and how on earth did we brake out contact, if the insurance didn't approve the claim than repairs can't be made. After all we work for the insurance proceeds.
Our contracts are a two part contracts, one section is for insurance work such as fire, water or storm damage which we do the work for the insurance proceeds. We send our estimate of damages that need repair directly to the insurance company so they can review our estimate and pay out the claim. There is no price written on the contract because we are not fully sure what the insurance company is going to pay out. Example, if the customer signs our contract and we put a $10,000 price on it and the insurance company only agrees to pay out $8500 then the customer could be held responsible for the $1,500 difference. The reason why we put no price on the contract and check off the box saying "price is for the amount of the insurance proceeds" so there is no risk to the customer in having to pay a bill...
The other section of our contract is for bid estimates such as remodels, painting, additions EST. This is a hard price figure we put on the contract, if the customer agrees with the price they sign the contract and we start the work. If the sign the contract and then decide not to use us, no problem and no fees because we don't have anything invested in the project.
We also need a signature on our contract in dealing with the insurance company because it shows them that the customer has secured a legal contractor which allows us to work with the insurance company in settling the claim.
As far as the BBB comment that is just plain stupid. We are an accredited BBB company; the BBB can help us or hurt us according to complaints. The good thing about the BBB is they sift out any bogus complaints such as other contactors tiring to give good companies a bad name....hmmm
Crooks

Benton, KY

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#18
Jul 14, 2011
 

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The property I mentioned had already been looked at by the ins adjuster and a check had already been cut before AFS even entered the picure.

Your salesman got my friend to sign a contract and immediatly filed for a re-inspect saying the whole roof needed replacing when there was only one shingle missing on the roof.

Re-inspect happens, your salesman got schooled, full roof replacement denied, and your company walked because there wasn't enough money in it for them. There was a signed contract in place for "insurance proceeds", so yes, your company and salesman broke your own contract.
Chris Williamson Owner

Jackson, TN

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#19
Jul 14, 2011
 

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First off, if our sales adjuster felt like it was necessary for a re-inspection then he must have found more damage to the roof, such as creased shingles, debris under shingle or torn tar beds. This is not visible from the ground. We take pictures of all damages we find and put it in our report.
On my personal home two insurance adjusters came out two separate times a told me that I didn't have much damage to my roof, they were willing to pay $700 for the claim. My roof was complexly tore-up and I knew I was entitled to a new roof. I called for a third inspection with our forensic engineer and finally that adjuster agreed that the entire roof needed to be replaced which was not $700 but $57,000.00 for the repairs.

As far as not doing the work because the insurance didn't pay the full amount, if the insurance company will not pay for a full roof replacement but they do pay for one side to be replaced or a repair, then thatís what we will do. If a customer has a $250 deductable and the insurance only is willing to pay $150 then there is no $ for repairs. So what your saying is that AHS went to you friends house to try to get his roof replaced, called for a re-inspection, met with the adjuster, filed an adjustment report, was unable to get it bought and didn't charge him a dime for trying, because we work for the insurance proceeds, WOW, So what's so bad about that?? 90% of the time we get them bought because of the damage we have found. I think you need to get your facts straight before you judge. Sure youíre not an independent adjuster your self, looks like you travel TN, TX now Murray KY...
BTW Affordable Home Solutions can act in settling the insurance claim for the customer this is not against the law. Advertising as a Public Adjuster IS against the law!!!! You really need to get you facts straight before you speak.
Wrong Info

United States

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#20
Jul 14, 2011
 

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You are dead wrong about insurance fraud.
If my roof is damaged and I get an estimate of the repairs and the amount is agreed upon by my insurance company they will send me a check. If I decide to keep the money and do no repairs, do the repair myself and save money or get someone else cheaper, I am legally allowed to pocket the difference I am able to save.
Chris Williamson Owner wrote:
Hello my name is Chris Williamson and I am the owner of Affordable Home Solutions inc. Please assess the validity of the above accusations after I explain our side of the situation.
First, Affordable Home Solutions IS a fully licensed and insured general contractor with the state of Tennessee board of contractors. I have conveniently scanned and put all of our company information on our website www.ahsolution.net for any one that would like to check us out.
Secondly, Affordable Home Solutions is well known by the City of Jackson. We are a member of the Chamber Of Commerce, we have been in the Jackson Sun, on many radio stations and on the local news, Fox and WBBJ, for giving away and installing free roofs to people in need of a new roof but just don't have the money. We do this public service about once each year.
Finally, Affordable only applies a 20% fee on situations where the customer tries to pocket(insurance fraud) the insurance money that we, Affordable, got for them by working with their insurance company and their adjuster in going over all the insurance covered damages, which involves allot of paperwork, data entry and specialized training. Our contract states very clearly that Affordable Home Solutions will act in settling your claim, to make sure all insurance covered damages get paid for. After the claim is settled Affordable will perform all the repairs/rebuilds stated by the insurance company, for the insurance proceeds.
But, this is what sometimes happens, the customer gets greedy and wants to pocket the insurance money, decides not do the repairs and refuses to pay us our 20% for our services in getting them the money in the first place. This is not only dishonest, unfair, greedy but it is insurance fraud!!!!! If the customer did what they agree to do in the first place, their damages would be repaired and they would not have to pay a dime.
You have to understand, settling insurance claims takes allot of company resources and man power, if customer decides to dishonest and "take the money and run" without doing the repairs, I must still pay the people involved in settling the claim, this is why we have the 20% fee. If you hire an attorney and he wins the case for you do you pay him for his services??? Of course you do. Same difference.
Chachie4

Jackson, TN

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#21
Jul 14, 2011
 

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My neighbors used AHS a few years ago to replace their roof so when we were hit with storm damage we decided to give them a try based on our neighbor's recommendation. We did not sign a contract when the salesman came out, nor did we feel pressured to. He did leave us with a folder with all of the company's information, which we looked over, then made our decision to go with AHS. We had a very smooth and pleasant experience with them; they absorbed our deductible, so we were not out of pocket any money at all.
It sounds like some people forget that companies have to have a profit in order to make it. If you went to work everyday and all you made was just enough to pay your gas - would it be worth it? No, it wouldn't. So why does anyone expect a company to be any different? Having worked for large companies, I know very well all that goes in AND out of the business man's pocketbook.
No person, or company, is perfect and therefore you cannot expect to see a company with 100% positive feedback - there is bound to be a few customers that are unsatisfied. You can't make everyone happy all the time. I've been "burned" by company's while John Doe next to me had a wonderful experience with them. Guess it depends on the particular case/person. Some people just cannot ever be satisfied unfortunately. Keep in mind while you are announcing not to use someone, how you would feel if you had a bad experience with someone and that person in turn made a judgement about you and started telling others to stay away from you because of this person's opinion of you? Just because you had a bad experience doesn't mean that is another's fate as well.
Not everyone likes roller coasters - are you going to shout to the state of Tennessee that no one should go on the roller coaster because you didn't like it? Grow up - complain to your family and friends but start a pity party on a forum, really?
You want to talk about a business that I know of at least 25 people have had horrible experiences with, who quit in the middle of their jobs...let's talk about West Tennessee Restoration!

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