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My house is about 18 years old and probably due for a new roof, we have 2-3 shingles now missing.
I've had 2 different companies knock on my door and say they can have the roof replaced under insurance because of a large storm that came through within the past 2 years or something.
My worry is they'll start doing the work and insurance will back out, or it will go through insurance but then I'll be black listed or something stupid.
I also have a rental property, so I don't want my insurance to go up across the board and it end up costing me more money on the back end in a couple years anyway... anyone have any experience with this?
You need to check with your insurance co.
After hurricane Harvey,many of us need new roof,so check your deductible and call your insurer.
We have to show proof the roof was damaged by the storm,not regular wear and tear
If the roofers can provide sufficient evidence to your insurance that the damage was storm-related, it should be covered, and we did not notice a rate increase after we replaced ours.
Also, this question has been asked multiple times... try to search tool to bring up more recent threads.
Call your insurance company and get an adjuster involved. They'll make the call, not the roofing company.
I had a roof replaced on a house a few years ago, as it was nearly 20 years old and needed it. The first contractor said nothing, just gave me a quote. The second contractor spent 45 minutes going over the roof and documented numerous spots where damage had occurred. It just so happened the insurance company adjustor was there at the same time. The contractor gave the adjuster all of his documentation.
Two days later I got a letter from the insurance company saying they were paying to replace my roof. That contractor got the work.
I’ve had a roof replaced a couple times due to hail storms. An insurance adjuster has always done an inspection to determine if the replacement is warranted. And, at least where I live you have a limited amount of time to make a claim after a storm. So I would talk to your insurance company.
Insurance replacement of an 18 year old roof from a storm you're not sure might have happened but the roofing company can help you? It sure doesn't sound like an insurance matter to me and as an insurance payer, I don't like the sound of it.
Insurance replacement of an 18 year old roof from a storm you're not sure might have happened but the roofing company can help you? It sure doesn't sound like an insurance matter to me and as an insurance payer, I don't like the sound of it.
It's pretty much a racket, and has been going on for at least 5 years (as far as I know) and maybe longer. I really don't understand why the insurance companies haven't put a stop to "full replacement coverage" on things like roofs.
If you total your 18 year old car, you don't get it replaced with a brand new car, so why should a damaged 18 year old roof be replaced by a brand new roof? It doesn't make sense to me, and, of course, we all pay for it through higher premiums on our homeowner's insurance policies.
The roofing companies know how the game is played, and it's to their benefit to get a new roof paid for by the insurance companies.
It's pretty much a racket, and has been going on for at least 5 years (as far as I know) and maybe longer. I really don't understand why the insurance companies haven't put a stop to "full replacement coverage" on things like roofs.
If you total your 18 year old car, you don't get it replaced with a brand new car, so why should a damaged 18 year old roof be replaced by a brand new roof? It doesn't make sense to me, and, of course, we all pay for it through higher premiums on our homeowner's insurance policies.
The roofing companies know how the game is played, and it's to their benefit to get a new roof paid for by the insurance companies.
Yeah - that's a good analogy.... You should get a depreciated value, not full replacement.
Well, I dislike the set year lifespan on depreciation value as well. Insurance company can tag a roof life at ten, twenty, who knows how many years, which has nothing to do with what condition your own roof is in.
Mine is at 20 years, pretty much perfect condition, I would be pretty irked if a hurricane came through, tore it up, but insurance did not pay out because they say it was at the end of its life anyway, despite it being just fine condition with zero issues.
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