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Old 06-26-2015, 07:21 PM
 
87 posts, read 85,588 times
Reputation: 66

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I have a leaky roof and I want to change it but everyone says that I need to wait for a hailstorm. Where is hail, when you need some?
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Old 06-29-2015, 04:19 PM
 
Location: garland
1,595 posts, read 1,569,606 times
Reputation: 1969
By not addressing the problem and properly maintaining your home, you will likely end up with more expensive damage that will not be covered by a fraudulent insurance claim.
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Old 06-29-2015, 09:01 PM
 
87 posts, read 85,588 times
Reputation: 66
Off course I'm getting it fixed, just not replacing it. What's fraudulent?
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Old 06-30-2015, 09:32 AM
 
Location: Dallas/Ft. Worth, TX
1,855 posts, read 5,670,655 times
Reputation: 3060
You need to repair the roof now that you have discovered a leak rather than wait for a hail storm to take it out and make an insurance claim. Insurance companies are not naive and can tell if you have had a long term water penetration problem. They can deny any claim due to the water damage and can potentially deny any claim to repair or replace the roof if they believe that potential fraud is occurring.
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Old 06-30-2015, 12:19 PM
 
87 posts, read 85,588 times
Reputation: 66
It's not about not fixing, I was thinking of replacing the whole thing but was advised to only do repair and maintenance unless it absolutely need to be replaced. Why would I let roof leak and not get it fixed?
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Old 06-30-2015, 12:59 PM
 
3,810 posts, read 3,703,126 times
Reputation: 4106
Quote:
but was advised to only do repair and maintenance unless it absolutely need to be replaced.
Advised by who?

Ask a roofing professional if your roof needs to be replaced or just a few spots repaired, not your cagey brother in law. My roof is 20 plus years old, so if you are waiting on a hail storm to do significant damage before replacing the whole thing, if might be soon or it might be a long time.
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Old 06-30-2015, 09:29 PM
 
Location: Dallas/Ft. Worth, TX
1,855 posts, read 5,670,655 times
Reputation: 3060
Quote:
Originally Posted by Austrian2 View Post
I have a leaky roof and I want to change it but everyone says that I need to wait for a hailstorm. Where is hail, when you need some?
Quote:
Originally Posted by Austrian2 View Post
It's not about not fixing, I was thinking of replacing the whole thing but was advised to only do repair and maintenance unless it absolutely need to be replaced. Why would I let roof leak and not get it fixed?
I believe I am part of everyone aren't I? If so I have not said that.

If you have a roof that is leaking get it fixed now. If the roof is near its useful life then have it replaced now. I don't know how familiar you are with insurances but unless you got one expensive, wiz-bang policy the insurance underwriter is going to depreciate your roof value anyhow and not pay out very much. In other words the insurance company is not going to pay you full cost of a new roof (minus deductible of course). Instead if you have for example a 20 year roof that is already 15 years old they will depreciate the replacement cost by 75% (15/20), then subtract your deductible, and that is what they will pay you for replacing the roof.

You should be careful about what "everyone" says since sometimes it is not in your best interest.
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Old 07-01-2015, 08:56 AM
 
87 posts, read 85,588 times
Reputation: 66
Everyone includes two roofers as well. It is a 12 year old roof but both roofers are positive that it is in fair shape to serve well for few years given proper maintenance.
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Old 07-01-2015, 09:39 AM
 
Location: garland
1,595 posts, read 1,569,606 times
Reputation: 1969
Quote:
Originally Posted by Austrian2 View Post
Everyone includes two roofers as well.
Roofers are telling you they don't want your money and advise you to wait for a natural disaster?

That's a first.
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Old 07-01-2015, 11:14 AM
 
87 posts, read 85,588 times
Reputation: 66
They are not into residential business, one is a friend who works with a commercial contractor and other retired years ago.
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