Bob Savage":eoi9bm3x said:What if there was a small meteor storm that beat my roof up? I checked it this morning and the entire roof is fine except for the pieces at the top crest/gable and side edges. If it's regular wear and tear it should all be worn evenly so I can only suspect there was a meteor storm sometime in the last 8 years that was about the size of my roof. I don't see anything about meteor storms not being covered in my policy.
kannibul":3ttayx89 said:I guess I must have also not mentioned that it affected a 20 mile area around my house, and everyone had their roof replaced since then?
Two companies (one an insurance person from the company I was going to switch to) and another company that gave me an estimate, and both said the roof is damaged and requires replacement....not worn out...
Bob Savage":3bakc9hg said:kannibul":3bakc9hg said:I guess I must have also not mentioned that it affected a 20 mile area around my house, and everyone had their roof replaced since then?
Two companies (one an insurance person from the company I was going to switch to) and another company that gave me an estimate, and both said the roof is damaged and requires replacement....not worn out...
I'm with you, home slice. I'm going to talk to my neighbors that have damaged roofs too, because I'll bet they don't know anything about the meteor shower.
Strat+Marshall":1ibjuu01 said:Insurance is a scam, if you haven't figured that out you need more than a bigger check.
Wow, sorry to hear this man.kannibul":38br6521 said:Sorry, I must have omitted one very important item...
April of 2008 we had a HUGE hail storm - softball size hail that beat the shit out of mine and everyone else's house around me.
+1, they will rape you now, then do it again later What are you gonna do? We are at their (lack of) mercystratotone":1vvhg2l9 said:Ned Flanders doesn't believe in insurance, he says it's a legalized form of gambling!
Glad they paid at least something Jeff, but I wonder what it's going to do to your insurance rates.
Pete
After the last bad hurricane, I saw a ton of roofs being put on and the guys were not even peeling off the clear strips so the shingles could bond togetherStrat+Marshall":2ppq2fv4 said:jaybird":2ppq2fv4 said:To answer the original ?, get as many bids as possible as prices can vary quite a bit, but only from reputable contractors!!! Bad roof job = complete nightmare. Water can be quite the destructive force if there is a leak. My friend got a roof done from a contractor "friend" who subbed it out to a crew of idiots who damaged a skylight and did not put the flashing correctly around the chimney and it slow leaked causing all sorts of problems. I just got part of my roof done, and when they stripped it my contractor was horrified at how poorly the old roof had been put on - why I had a problem in the 1st place.
Yeah, I just bought a POS house and I am in the process of figuring out what moisture damage is active and what is old. The roof is fairly new but I am starting to think they did a half-assed job.
stratotone":1d29zu4o said:Ned Flanders doesn't believe in insurance, he says it's a legalized form of gambling!
Glad they paid at least something Jeff, but I wonder what it's going to do to your insurance rates.
Pete
kannibul":36u9mvhf said:stratotone":36u9mvhf said:Ned Flanders doesn't believe in insurance, he says it's a legalized form of gambling!
Glad they paid at least something Jeff, but I wonder what it's going to do to your insurance rates.
Pete
It's considered catastrophic damage, and is considered differently than say a dog bite...this, according to the insurance company that I was planning to switch to (and still will...) - thre's no increase in risk from a roof failing due to a hail storm. one of those "shit happens" bits. Even then, my insurance will go up when I switch to another company, but, in the end I'm still saving enough on my auto and motorcycle policies to more than make up the difference. In addition my current insurance said there would be a large increase (as there was on the auto policy) come renewal. If I'm paying more, and can't switch insurance companies because my roof is shit, then I might as well file the claim...now it just seems they are low-balling the replacement value (by using their own calculations on what it will cost to replace it vs reality)(which is not correct) and then giving me 50% by the type of policy I have (which is correct).
If a large tree fell on your house, wouldn't you file a claim?
kannibul":3qhdehuu said:If a large tree fell on your house, wouldn't you file a claim?
stratotone":12ai8c8j said:kannibul":12ai8c8j said:stratotone":12ai8c8j said:Ned Flanders doesn't believe in insurance, he says it's a legalized form of gambling!
Glad they paid at least something Jeff, but I wonder what it's going to do to your insurance rates.
Pete
It's considered catastrophic damage, and is considered differently than say a dog bite...this, according to the insurance company that I was planning to switch to (and still will...) - thre's no increase in risk from a roof failing due to a hail storm. one of those "shit happens" bits. Even then, my insurance will go up when I switch to another company, but, in the end I'm still saving enough on my auto and motorcycle policies to more than make up the difference. In addition my current insurance said there would be a large increase (as there was on the auto policy) come renewal. If I'm paying more, and can't switch insurance companies because my roof is shit, then I might as well file the claim...now it just seems they are low-balling the replacement value (by using their own calculations on what it will cost to replace it vs reality)(which is not correct) and then giving me 50% by the type of policy I have (which is correct).
If a large tree fell on your house, wouldn't you file a claim?
I'm not saying that Jeff, just that I'd be amazed if somehow magically your rates didn't go up. Most insurance companies don't care if you file a claim for a "shit happens" bit, they look at how much you pay and how much THEY had to pay out.
Insurance is a business, not a "wow, this guy really did need to file a claim so we'll make sure and keep his rates low" scenario. If you really believe them when they say that, then I have several bridges to sell you, cheap.
Any time I've filed claims on any insurance, I look at how much my insurance could go up and if it's really in my best interest to file. Yes, insurance is there for a reason, but it's amazing how they can jack your rates.
Pete
tweed":2jn8ygio said:kannibul":2jn8ygio said:If a large tree fell on your house, wouldn't you file a claim?
Absolutely, but I wouldn't wait 1.5+yrs to do it.
STOP!!! Don't do anything else right now, I can help.kannibul":31j08rde said:OK, so here's an update.
Insurance company is cutting me a check, based on the replacement value minus depreciation (50%) of my roof according to them.
The odd part is that I've yet to get a quote from any roofing company that is as low as what the insurance company is saying should be my replacement cost (depreciation and the amount I receive from insurance is a based on this replacement cost amount...so if they (insurance) "lowballs" the replacement cost number, then they pay out less for the claim...)
I guess this is where I should go back to the insurance company and say they need to cut me a bigger check based on my bids?
Do not do this and submit them to your insurance company. They will go with the lowest bidder, no matter what!!jaybird":2ex9ow8d said:To answer the original ?, get as many bids as possible as prices can vary quite a bit, but only from reputable contractors!!!
JTyson":enu85lem said:After the last bad hurricane, I saw a ton of roofs being put on and the guys were not even peeling off the clear strips so the shingles could bond together