Re: Roof/hail/insurance ?
[Re: TurkeyTime]
#6550066
06/05/19 06:20 PM
06/05/19 06:20 PM
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Joined: Nov 2007
Posts: 9,833 St. Cloud, MN
trapperkeck
trapper
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trapper
Joined: Nov 2007
Posts: 9,833
St. Cloud, MN
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Just keep in mind, the "claim" is recorded, even if it is $0.00. If you have a rate increase, most likely, you will not be able to change companies to get a lower rate because the claim will show up if you try to change coverage and a lot of companies will not take on a risk that has had a loss in the last 5 years. Expect a rate increase if you have the adjuster come out, regardless of whether or not they pay anything. State Farm is notorious for this kind of stuff.
"The voice of reason!"
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Re: Roof/hail/insurance ?
[Re: TurkeyTime]
#6550069
06/05/19 06:24 PM
06/05/19 06:24 PM
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Joined: Nov 2007
Posts: 9,833 St. Cloud, MN
trapperkeck
trapper
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trapper
Joined: Nov 2007
Posts: 9,833
St. Cloud, MN
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My advice, go up and take a look at it yourself. If there appears to be obvious damage, it might be worth it. If your roof is 15+ years old, there is a better than good chance they will call any damage you have, normal wear and tear. Even if it looks pretty rough.
"The voice of reason!"
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Re: Roof/hail/insurance ?
[Re: TurkeyTime]
#6550113
06/05/19 07:52 PM
06/05/19 07:52 PM
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Joined: Oct 2009
Posts: 7,349 western mn
bucksnbears
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trapper
Joined: Oct 2009
Posts: 7,349
western mn
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Shingles can be tough to see damage on. I look in the gutters for granulars and look at all vents,gutters,and downspouts. If they are dented, your shingles got beat on hard!
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You have to remember that 1 out of 3 Democratic Voters is just as dumb as the other two.
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Re: Roof/hail/insurance ?
[Re: TurkeyTime]
#6550128
06/05/19 08:25 PM
06/05/19 08:25 PM
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Joined: Dec 2006
Posts: 20,030 SEPA
Lugnut
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trapper
Joined: Dec 2006
Posts: 20,030
SEPA
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Exactly right bucksnbears.
Eh...wot?
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Re: Roof/hail/insurance ?
[Re: TurkeyTime]
#6550136
06/05/19 08:49 PM
06/05/19 08:49 PM
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Joined: Feb 2014
Posts: 25,694 nm
adam m
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trapper
Joined: Feb 2014
Posts: 25,694
nm
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X2 as others said get a professional or 3 to look You should see "impact marks" on the shingles but have a roofer or 3 look at it to confirm. Check your gutters and all vents or anything else on the roof for dings or damage. Don't forget to look at window frames siding etc... Here's a couple pics from when we got hit. The first one is on the "flat roof" patio. The second is regular shingles. On about a 15 year old roof. Also have each roofer count the layers of shingles. Code here says can't go more than 2 layers of shingles. I had the adjuster and 3 roofers inspect before it was noticed my roof had 2 layers of shingles, which meant all material came off down to sheathing. Adjustments was a pain in the rump.
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Re: Roof/hail/insurance ?
[Re: TurkeyTime]
#6550149
06/05/19 09:09 PM
06/05/19 09:09 PM
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Joined: May 2013
Posts: 3,177 Green Bay, Wisconsin
tlguy
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trapper
Joined: May 2013
Posts: 3,177
Green Bay, Wisconsin
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Most if not all roofing companies should offer free estimates. Make sure you're contacting established companies, as many times fly-by-night companies show up and take advantage of people after major storms.
To give you an idea, my wife and I are getting ready to sell our house and know the roof could use some work. So rather than be surprised by the inspector halfway through the sale, we elected to get some estimates on repairs and replacement. A total of 4 companies came out, 3 that I contacted and a 4th our realtor suggested.
Company 1 showed up, walked around the yard and said we needed a whole new roof on the house and garage and it would cost about $9k. Never got up on a ladder and was there and gone in 5 minutes.
Company 2 had 2 guys that went up with ladders and looked close at the shingles. They said the roof probably had 3-4 years left, but the garage roof needed to be replaced. Total for house and garage, around $8k.
Company 3 came and inspected it while in was gone, but quoted $7200 for house and garage replacement.
Company 4 went all out, even went up in the attic and looked at the guts of the roof and took video up on the roof of the garage with a gopro. They said they could repair the roof of the house for $400 but quoted almost double all the other companies for the garage roof replacement at $3,500.
Just a snapshot of the differences in each company, and why it pays to get multiple reputable estimates before doing anything.
I think I read somewhere that many insurance companies offer discounts to customers that don't make a claim right off the bat so that when you make a claim they can eliminate the discount and say they're not raising your rates, even though its exactly what they're doing. 15 years on asphalt shingles is pretty good and they probably need replacing anyway. That's like having collision insurance on a 30 year old car, the insurance company likely wouldn't pay enough on a claim to cover replacement with a comparable new car.
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Re: Roof/hail/insurance ?
[Re: bucksnbears]
#6550199
06/05/19 10:35 PM
06/05/19 10:35 PM
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Joined: Dec 2013
Posts: 9,311 Northern MN
Osky
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trapper
Joined: Dec 2013
Posts: 9,311
Northern MN
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Shingles can be tough to see damage on. I look in the gutters for granulars and look at all vents,gutters,and downspouts. If they are dented, your shingles got beat on hard! This as far as first look. Ask around if need be and get a reliable contractor to check it. As far as State Farm, I have had them forever and made three very expensive claims. It did not do any damage to my rates, I wouldn't worry about that. Osky
"A womans heart is the hardest rock the Almighty has put on this earth, and I can find no sign on it" Jabless in Minnesota www.SureDockusa.com
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Re: Roof/hail/insurance ?
[Re: TurkeyTime]
#6550620
06/06/19 06:34 PM
06/06/19 06:34 PM
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Joined: Dec 2006
Posts: 21,028 St. Louis Co, Mo
BigBob
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trapper
Joined: Dec 2006
Posts: 21,028
St. Louis Co, Mo
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Plenty of folks will let a roof get really bad waiting for a storm to make a claim.
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