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Old Yesterday, 04:34 PM
 
Location: Madison, Alabama
2,528 posts, read 1,110,082 times
Reputation: 1676

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Quote:
Originally Posted by AnotherBravesFan View Post
The quote I got for a standing seam metal roof was about 30% higher than for architectural shingles. Plus, I didn't like how the roofs looked on the homes I drove by. Glad I went with the architectural shingles; I think they are much more attractive for most homes.
Yeah, I agree. They're especially unattractive on most single-story houses (of course, it's a matter of opinion). I'd go with metal tiles over standing seam, or even concrete tiles (very expensive). You can also get several patterns of architectural shingles nowadays.
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Old Today, 05:34 AM
 
Location: Meridianville, AL
474 posts, read 759,210 times
Reputation: 279
The hail storm that went thru North Madison County in March of 2018 took care of the problem.
New roof, upgraded to architectural shingles among some other upgrades. All new gutters and down spouts.
New vinyl on the back side of the detached garage. Some window screens had to be re-screened.
Privacy fence had to be pressure washed and restained and new post caps.
Only thing insurance company didn't pay 100% for was the fence work. It isn't considered a 4-wall structure.
I got about 40% payment on that. Of course I had to pay deductible and some of the roof upgrades pushed it
over the insurance estimate. But for about 4k out of pocket, I think I got a pretty good deal.
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Old Today, 07:41 AM
 
Location: Birmingham, AL
16 posts, read 5,729 times
Reputation: 18
Quote:
Originally Posted by RocketDawg View Post
I think most insurance companies prorate roof damage nowadays. Used to, they'd cover the entire thing after your deductible.
If you think about it, they get a monthly premium check for 20-30 years on average before it's time to replace a roof. That alone isn't incentive enough, but when you consider that a lot of their customers would otherwise ignore damage for a long time thinking they can't afford a new roof...

I think they would rather replace shingles than pay for rafters, drywall, mold-related medical bills, etc.

Seems to me the actuaries got together a long time ago and figured out that it would save them money to just replace roofs. It's the same reason most auto insurance companies will buy you a new windshield now. Saves money over time.
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