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You have been paying for insurance, so why not use it?
We had wind and hail damage and replaced ours last year. No issues with insurance.
Well my issue is this is a manufacturing defect not an insurance claim though. I just hate making everyone (including me) pay higher rates for something that is not our fault or the insurers. It's total BS.
It would be like filing a claim on your water heater because it was leaking. No one does that (only the damage from it).
Well my issue is this is a manufacturing defect not an insurance claim though. I just hate making everyone (including me) pay higher rates for something that is not our fault or the insurers. It's total BS.
It would be like filing a claim on your water heater because it was leaking. No one does that (only the damage from it).
Well that is what they told me. So I called CertainTeed and talked to a warranty guy. He explained how the shingles would look...mine are not "paper brown" or "white" which is the base used for either organic or fiberglass. So I think the scalpers are blowing smoke up my butt. But there is definitely a ton of granular loss which has been happening for years and there are numerous loose shingles. He thinks it mostly likely is due to hail accelerating the failure of the shingle. But I can't see the base so the shingle is still good structurally. So most likely the insurance CO would just have them glued down which I can do myself (it's pretty easy). Not sure how to proceed. I might call another company to come inspect as well. But the more we walk up there the more damage we do...
Well that is what they told me. So I called CertainTeed and talked to a warranty guy. He explained how the shingles would look...mine are not "paper brown" or "white" which is the base used for either organic or fiberglass. So I think the scalpers are blowing smoke up my butt. But there is definitely a ton of granular loss which has been happening for years and there are numerous loose shingles. He thinks it mostly likely is due to hail accelerating the failure of the shingle. But I can't see the base so the shingle is still good structurally. So most likely the insurance CO would just have them glued down which I can do myself (it's pretty easy). Not sure how to proceed. I might call another company to come inspect as well. But the more we walk up there the more damage we do...
Loose shingles are an original workmanship issue. Roofers nail high and the nails don't catch underlying courses of shingles, and that also helps keep them from sealing down properly. Very typical of a great deal of new construction roofs. There is no roof inspection by builders or code officials, so it is open season for cheap roofers.
CT Horizon Shangles in this market are nearly certainly built on fiberglass mats. 95%+ of the problematic paper mat shingles were sold in the upper midwest.
The real issue, according to the roofers, is that the CT Horizon is a metric shingle. 39.3" long, and no longer available.
So, no other shingle will "make you whole."
A lot of roofers will not touch the roof unless they can replace the entire roof. I had one recently where we had a hard time getting a roofer to agree to go onto the roof to caulk exposed nails. Laughable.
The whole thing is a ridiculous carnival.
Yeah but I found a calculator and even if I filed at the five year mark in 2010 I'd only get like $800. I don't know how they can justify that...a new roof is like $10k.
Insurance does not pay claims for roofs that are just worn out. A few years ago the roofers came by offering to get our insurance company to replace roof. Even though we had not had wind or hail in our neighborhood, several people did get their roofs replaced. I guess it just takes a bit of moral flexibility.
Loose shingles are an original workmanship issue. Roofers nail high and the nails don't catch underlying courses of shingles, and that also helps keep them from sealing down properly. Very typical of a great deal of new construction roofs. There is no roof inspection by builders or code officials, so it is open season for cheap roofers.
CT Horizon Shangles in this market are nearly certainly built on fiberglass mats. 95%+ of the problematic paper mat shingles were sold in the upper midwest.
The real issue, according to the roofers, is that the CT Horizon is a metric shingle. 39.3" long, and no longer available.
So, no other shingle will "make you whole."
A lot of roofers will not touch the roof unless they can replace the entire roof. I had one recently where we had a hard time getting a roofer to agree to go onto the roof to caulk exposed nails. Laughable.
The whole thing is a ridiculous carnival.
Thanks for the info
The company in my neighborhood was Feazel...anytime I talk to any of these guys I get goose bumps...they reek of used car salesman. I dunno what to do.
File the claim, get a new roof, and dump your existing homeowners insurance. A new insurer will give you a new roof discount since that's a major potential claim they won't be facing for the next 20 years.
Insurance does not pay claims for roofs that are just worn out. A few years ago the roofers came by offering to get our insurance company to replace roof. Even though we had not had wind or hail in our neighborhood, several people did get their roofs replaced. I guess it just takes a bit of moral flexibility.
Upon further research, that's what I'm concluding as well
I have had quite a bit of hail...we all probably have...it happens all the time here. With the wind yesterday and last night the siding on a few homes was even torn off lol. So you can blame anything on the weather it seems.
All I'm concerned about right now is if there is an issue beyond loose shingles that I can glue down. I'm trying to find another local roofer in my area to talk to now.
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