Will my insurance cover wind damage to roof?

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PostPosted: Fri Mar 25, 2011 2:23 am   Post subject:   

When a Homeowner makes a claim, the insurance company is responsible to pay that insured within the guidelines of their policy and state laws. Each policy is different and can always vary from person to person. So if your neighbor and you both have Allstate or State Farm, then it doesn't mean you have the same policy coverages because they offer a variety of policies. This could result in different payouts or different coverages as well.

If there were only 10-15 shingles damaged on your roof, then more than likely the roof can be repaired by replacing just those shingles. A new roof may not be nessesary. When an adjuster does their inspection, there are many factors for them to consider when making a repair vs replacement decision. Things such as age of roof, condition of shingles, any surface cracks, blisters, and brittleness on an existing roof. If a roof is fairly new (most last between 20-30 years) and in good condition then it may be considered repairable and replacing just those 10-15 damaged shingles will make it functional again. Functional meaning keeping you and your family safe and protected inside your home just at it did before the storm came. If one shingle does not match the other, that has nothing to do with the functionality of your roof. And roofing companies make an effort to match shingles if a roof is being repaired. Remember the policy pays for damages to your property not undamged items.

Consider this: If there were no such thing as Homeowner's insurance and any one who owned a home just paid all storm damages to their home out of their own money would they a: Buy a whole new roof if only 10 shingles were damaged so that everything matched or would they B: pay to have those 10 damaged shingles and know that the home is still protected and secure by replacing only those that were damaged? I'm sure functionality will trump cosmetic priority in a situation like this. No one wants to pay $8,000 out of there own pockets for a roof that can easily be repaired. Its not logically or economical so why would an insurance company pay for something so illogical if it can be soundly repaired and made completely functional again by making a simple repair?

Another way to look at it is if someone had a car accident and the only thing damaged was a side mirror during the accident. Would one expect the insurance company to repair the side mirror, which was the only thing damaged or would they expect a whole new car to make sure everything matched? Think about these things logically.


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PostPosted: Mon Apr 04, 2011 8:38 pm   Post subject: wind damage  

I have personally seen the entire roofs being replaced due to wind damage. Never one or two shingles are just replaced. The response from the roofer who told you to get a respectably roofing contractor who will represent the home owner is the advise to take. They know best and you absolutely will not pay out of pocket as even the deductible in most cases come off the top. WoW what some numb nuts write. State Farm has been the hardest I've seen to settle on a case. Not bashing, just a fact. I also want to add know one in their right mind should do work expecting insurance to pay without the approval from the insurance company. If you have missing singles due to wind damage you should fix it asap due to insurance deductibles(not premiums) going up for this. Plus you only have so many years to claim it. It isn't fraud if so you should not pay for wind damage on you policy. These storms are documented. This is Florida I am speaking of too. Not sure where the rest this forum resides.


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PostPosted: Tue Apr 05, 2011 10:19 am   Post subject:   

Quote:
INSURANCE COMPANY'S ARE A RIP OFF THEY CHARGE YOU FOR YEARS,




First off . . . why are you SCREAMING! Twisted Evil



If you are speaking of auto or homeowner's insurance, you have some learning to do. Insurance companies charge you for one year at a time. You are covered for claims that occur during that 365 day period. Period. No claims, no refunds.



You go to a restaurant, and order a meal. You pay for the meal. Do you expect to be able to go back to the trough again and again, years later, without having to pay? Of course not. No difference. You might as well be screaming that McDonald's has ripped you off because they charged you for food you ate and pooped out 24 hours later and you have nothing to show for it.



Quote:
WHEN IT COMES TO PAYING THEY WILL DENY EVERY TIME




Well, that's just not true. If it was, insurance companies would not be in business. Just like the fast food place, if you pay but get no meal, are you going to go back again?



Do insurance companies deny claims? Of course they do! Not every claim that comes in the door is covered by an insurance contract. People often don't read their contracts and they have no idea what is or isn't covered. When they present a claim that is not covered, it will be denied. Ever try to order a hot dog at McDonald's? If you didn't get one, would you say, "McDonald's doesn't give anyone their food"? You are very confused about the nature of the insurance business.



Quote:
IF THEY DO GIVE YOU ANYTHING THEY TRY TO GET THEIR PEOPLE TO FIX IT, AT CHEAP PRICES, THEY DO NOT CARE WHAT YOU HOUSE LOOKS LIKE WHEN THEY ARE DONE.




Two problems here. First, you are allowed to use any contractor or repair shop of your choosing. If you do, they may charge more than the insurance company has decided it will cover, and you'll have to negotiate for a larger payment within the terms of your contract, or pay the difference. Second, if an insurance company provides the contractor or repair shop, they are directly responsible for the workmanship, and if not satisfactory, it will be fixed at the insurance company's (or contractor's) expense, not yours.



You need a reality check, because your post is mostly wrong.


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PostPosted: Sun May 15, 2011 11:39 pm   Post subject: Debby  

Debby you are obviously very uneducated... your roofing shingles are still made and can be found(probably at home depot) AND wind damaged shingles are easily removed and replaced. What are you 5 years old!? you would seriously put blue shingles on your roof to make it not match purposely?? If your insurance company replaces your entire roof for a few wind damaged shingles you will have a large unnecessary claim on your record causing higher premiums and you will need to pay your deductible also. So think before you react and if your not an expert on the situation, research it a little before posting such ridiculous statements.


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PostPosted: Fri Jul 01, 2011 6:50 pm   Post subject: insurance companies  

We have been burned by several insurance co's,auto and homeowners. necause of this i have asked to see policies before we purchase them........have found out that insurance is the only thing you will ever purchase that you will not be allowed to see before you have to pay.


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PostPosted: Fri Jul 01, 2011 6:51 pm   Post subject: insurance companies  

We have been burned by several insurance co's,auto and homeowners. necause of this i have asked to see policies before we purchase them........have found out that insurance is the only thing you will ever purchase that you will not be allowed to see before you have to pay.


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PostPosted: Sat Jul 02, 2011 12:27 am   Post subject:   

Quote:
insurance is the only thing you will ever purchase that you will not be allowed to see before you have to pay.




It might be that the company or agent you are using does not make "specimen" contracts available, however, every state requires a minimum of 10 days be given to you for the purpose of reading and questioning your coverage, and to return the contract within that time period for a full refund.



So while you might not have the chance to examine the policy first, you will not lose any money if, after reading your contract, you choose to cancel it during the FREE LOOK period.


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PostPosted: Mon Jul 11, 2011 3:41 am   Post subject:   

The policy promises new for old. It also promises like kind and quality. It isn't like kind if it doesn't match cosmetically. Also, how many roofs do you have on your home? Likely one unless you have some tile and some asphalt shingles, etc.. If that one roof is damaged you get new for old and that includes the warranty for new.



That is what you are paying for. If the policy was different i would expect different.


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PostPosted: Mon Jul 11, 2011 6:39 pm   Post subject:   

Quote:
The policy promises new for old. It also promises like kind and quality.




"New for old" is not the promise of an insurance policy. Either "Actual Cash Value" or "Replacment Cost" is the promise, and replacement cost addresses "like kind and quality" but actual cash value does not. So these two sentences, in combination, are inaccurate.



If the same item is not replaceable (as in a lost part of a set), then there is a cash reimbursement for the value of the set (up to policy limits, of course, under the "pair and set" clause in a contract). A roof is a very different circumstance.



You have a shingle (wood, fiberglass, etc), tile, tar & rock, hot-mopped rolled, or metal roof. If a portion is damaged, the policy promises to repair the damage. You don't get a whole new roof just because one section is damaged.



Now, it could happen that the asphalt, wood, or fiberglas shingles on your roof are of a type and color that is no longer manufactured and no repair will blend cosmetically. In a case such as that, the insurer will replace an undamaged portion of the roof with all new material. A few Spanish clay tiles that are 75 years old will be replaced with like kind and quality (perhaps ever better quality). Those new tiles are almost never going to match, but can easily be painted to match the weathered tiles if necessary. But a few broken tiles like this is not going to be cause for replacing 100% of them, broken or not.



If the only difference is a slight shading of colors, you are highly unlikely to persuade an insurance company to replace an entire roof when only 1 or 2 squares need to be replaced. Given a year or two of exposure to the sun, it will probably be impossible to distinguish the two sections.


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PostPosted: Sun Jul 17, 2011 6:10 pm   Post subject: Ins Comps are ripoffs  

I was a property adjuster for 32+ years and dealt with many storm losses which included roof losses. One of the most crucial duties of the adjuster is to sit down with the insured and explain the policy to him/her. Many times I also took the insured right up on the roof with me, to hold the tape measure and write up the loss. When an insured is standing next to the adjuster and is asked if there is any damage to the shingle that they both are looking at, the insured knows that the adjuster is not pulling a fast one or Ripping them off. The policy states to repair or replace with like kind and quality. I would replace an entire side if there were more than 50% damaged shingles. I would replace the complete siding if replacement of any whole side was needed. I cannot recall at any time that I wasn't able to settle a loss with an insured as I made it a point to leave each loss with a satisfied client. I recall one time that I was inspecting and settling hail losses to roofs in a small town. When I arrived I found that State Farm (not my employer) had already been on the roof and been given by agreement a new complete roof. The trouble was State Farm was on the wrong roof. I inspected and found only 1/3 of one side was damaged and the insured agreed with me that repairs only were needed. In this case State Farm was stuck with paying the balance over my repair estimate. So there are some mistakes made out in the field by the pros as well as misunderstandings by the insureds.

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PostPosted: Sun Jul 17, 2011 10:47 pm   Post subject: Wind Damage  

A lot of wildly misleading and inaccurate ideas from the "Expert Agent in California"(you sell buddy,not handle claims)You are beginning to remind me of Chopper Ben.

I am a HAAG Certified Roofing Inspector and a Licensed Claims adjuster.

You are covered for Wind /Hail on your policy and should you file a claim for wind it will be determined by the adjuster .If you disagree with the assessment you may request a re inspection.Here's the criteria that is used .1.Has the shingle been separated from its seal and allow debris and water to come between the shingles and compromise the function of the shingles?(leaks)

2.Has the shingle been creased where it meets the adjoining shingle?

3.Will the repair cause the continuous damage to the other shingles such that they will need to be removed as well?

If this criteria is met usually the whole roof will need to be replaced.EVEN on a older roof!

You shouldn't bother with estimates BECAUSE it only is for the benefit of the insurer!

The adjusters estimate is usually sufficient and most roofing contractors will accept insurance company proceeds as payment.Also, they will state that if the insurance company will not pay , they will not ask you to pay! That's an unenforceable contract as per common law.

And lastly,deal with the contractors that have the experience to do a proper roof inspection and can represent you on the roof with the adjuster.You will usually find both the adjuster and roofing contractor ARE working for you !

Find a roofing company with experience in this situation and you can be treated just fine.KNOW what you do before filing a claim!

There are many ways to view this topic but remember your roof is the most important part of your house and you should treat it that way.


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PostPosted: Tue Aug 09, 2011 10:54 am   Post subject:   

There are times when there is minimal damage (Promotional link removed as per Forums TOU) due to wind in that case it is not uncommon for an insurance company to only pay for half the roof.

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PostPosted: Thu Aug 18, 2011 1:25 am   Post subject: Matching Shingle Law State of Mn  

If your State has a matching shingle law and you can not find a matching fix for your roof _ you do not have to live with a multi color roof_ see if you have a matching roof law in your state the insurance co will not mention this when they tell you have a small repair that is under the claim value_



get a good roofing contractor to fight for you and don’t listen to insurance agents that will not work for your nest interest_ show the claim papers to your contractor and let him call them _ meet with them and get your roof repaired according to your policy and the Law_ pay your deductible in addition to the insurance check if you don’t you are committing fraud _ but the roof can get the claim to stick if he is a good storm repair co, and has good understanding of the insurance laws , in your area.


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PostPosted: Tue Aug 23, 2011 5:54 pm   Post subject: Lying Roofers.  

Roofers Lie. Plain and simple. I know that I have two shingles missing because of wind and there is not any hail damage. We have a roofer, who is also a neigbor, telling my wife that we difinitely have hail damage and he will deal with the insurance company. I am not paying a $1000 deductible to have an entire roof replace when I can repalce two broken shingles. ROOFERS LIE!!


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PostPosted: Sun Sep 11, 2011 12:29 am   Post subject: new roof from allstate  

I have been paying homeowners insurance with Allstate for 5 years now about $400.00 each year so about $2000.00 We had a really bad wind and hail storm in the beginning of summer, I called my local Allstate guy, they set me up with a claim and I am getting a new roof on my house and my studio/garage a total of over $5000 so far great experience Smile I have not paid in near as much as they are putting in to my roof. I have no out of pocket on this one! Super excited Smile


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