Will my insurance cover wind damage to roof?

Message Author
ampm-bookmark
delicious-small Add to delicious
yahoomyweb-small Add to YahooMyWeb
blinklist-small Add to BlinkList
PostPosted: Wed Mar 21, 2012 12:27 am   Post subject: insuranse roof ripoffs  

i have wind damage to my 250,000 dollar house and farm bureau says they wont even replace one side off my house w/ 12 shingles shingles missing they say my shingles are faded so they dont owe me for that ,funny i dont remember my rates going down as my house got older???


_________________
Register Now to have your Insurance queries solved.
sharkeeee
Guest







PostPosted: Wed Mar 28, 2012 8:20 pm   Post subject: ALLSTATE  

ALLSTATE IS BY FARE THE WORST COMPANY TO USE. IM A CONTRACTOR AND NEVER HAVE TROUBLE GETTING A CLAIM DONE UNTIL THE INSURANCE COMPANY IS ALLSTATE. CONTRACTORS DONT EVEN WANT TO DEAL WITH A CLAIM IF ALLSTATE IS THE INSURANCE COMPANY


_________________
Register Now to have your Insurance queries solved.
KENWNST
Guest







PostPosted: Fri Mar 30, 2012 12:55 pm   Post subject: Allstate Roof  

No one wants to live in a neighborhood where the roofs resemble patch-work quilts. A patchy roof not only de-values one home it devalues the entire neighborhood. Insurance is provided for the good of everyone. Insurance is not just purchased to protect the policy owner. If one particluar company is not playing by the rules they should be singled out. Thank-you for bringing Allstate to our attention.


_________________
Register Now to have your Insurance queries solved.
fred123
Guest







PostPosted: Tue Apr 03, 2012 11:26 pm   Post subject: hit and run  

A man drove his truck into my split rail fence and aspen tree. The tree is cracked at the base and leaning over. Needs to be replaced to my eye. And my landscaping rocks all broken. My insurance said in the state of Colorado they do not need to match the fence. One side broke down one small part not damaged now I will have 2 different colors in my yard.the man not found. Is this true no match clause for the st.


_________________
Register Now to have your Insurance queries solved.
michele
Guest







PostPosted: Tue Apr 10, 2012 8:17 am   Post subject:   

Number of shingles, never matters in clamming insurance.The point is that, your ALLSTATE insurance company is not loyal to and it won't be beneficial to you.



[Link removed as per TOU]

Tedd
New member
Leave a quick message



Joined: 06 Apr 2012
Posts: 2


1.17 Dollars($)

PostPosted: Thu May 03, 2012 11:35 pm   Post subject: wind damage  

my roof was damaged by wind adjuster came out looked at it, quoted price to nation wide i said i wanted the whole thing replaced then they sent out a wind damage engineer (really) one month later got letter stating damage was of man made nature i called them mad of coarse after being accused of tearing my own roof off during a storm with 80 mile winds water coming in 2 bedrooms they said we are not accusing you of doing it but someone did because shingles only tear a certain way by wind now 4 1/2 months later roof aint fixed the adjust can't find a match an want to replace it with something that stands out like a thumb my house is 7 years old in great condition in a really nice subdivision an they want to make my house look like crap what can i do i have been with nation wide for over 20 years an this is great treatment (really) help !!


_________________
Register Now to have your Insurance queries solved.
fatboy2011
Guest







PostPosted: Fri May 04, 2012 5:04 am   Post subject:   

Try using those PERIOD and COMMA thingies they showed you in elementary school. Your post is nearly impossible to read.



Do you have a question?



_________________

CA-licensed Life & Disability Analyst. CA Insurance Lic #0596197. Also investigating insurance company abuses, and providing litigation support/expert witness services. Send me your questions, and I'll send you my answers.
MaxHerr
Forum Expert
Leave a quick message

MaxHerr
Forum Expert

Joined: 29 Nov 2009
Posts: 7888

Location: Pomona CA
107.64 Dollars($)

PostPosted: Sat May 19, 2012 3:25 pm   Post subject: Roofer speaks the truth  

This Moderator does not know the law or anything except to run bad comments.


_________________
Register Now to have your Insurance queries solved.
1anonymous
Guest







PostPosted: Sat May 19, 2012 3:28 pm   Post subject: More proof  

w w w. floridainsuranceblog.com/2010/09/articles/insurance-coverage-homeowner s/what-does-wind-damage-to-a-roof-look-like/



I roof also, its the law... they have to replace it.


_________________
Register Now to have your Insurance queries solved.
2anonymous
Guest







PostPosted: Sun Jun 24, 2012 2:13 pm   Post subject:   

Quote:
BUT WHEN IT COMES TO PAYING THEY WILL DENY EVERY TIME
Well, not every time.



Quote:
AND IF THEY DO GIVE YOU ANYTHING THEY TRY TO GET THEIR PEOPLE TO FIX IT, AT CHEAP


"Their people"? You don't have to use them if you don't want to.



Feel free to cancel your policy if you don't like the result. Perhaps the reason your claims are never paid is that you are buying into those commercials about how much _cheaper_ your rates can be and you are going with the cheapest carrier out there. Want to know why they never pay anything?



After you cancel your policy, use some of that money to buy a new keyboard.... your caps key is stuck.
tcope
Forum Expert
Leave a quick message

tcope
Forum Expert

Joined: 22 Nov 2006
Posts: 6175

Location: Salt Lake City, UT
375.37 Dollars($)

PostPosted: Mon Jun 25, 2012 2:23 am   Post subject: listen too the professionals  

As a roofing company owner, the gentleman who stated they get the roof replaced is correct. An insurance company can depreciate the value of a home, however they cannot do anything that would allow the value of a home they insure to be depreciated. Meaning if finding a shingle match is not a possibility then they are responsible for a full replacement. And as far as the depreciation withholding on the claim value of the home from the insurer, that is recoverable after the repairs are made. So to the roofing company who fights for the homeowner, good job! because State Farm is well known for denying legit claims. They are one of the worst insurance companies there are. And to clarify one last thing, if a roofing contractor is willing to assist in filing a claim it is in the homeowners better interest to allow them too. If asked to sign a contract make sure the contractor is holding you contingent upon receiving a settlement and if there is any change in price or scope of work the contractor will negotiate the same. And last of all for those who know absolutely nothing about these type of situations well thats ok too, because we as contractors are more than happy to accept your money to fix your property as well as the insurance companies just as soon as your roof that has been repaired comes due. As a matter of fact most of us would repair your roof multiple times before we did the full replacement. And yes different colored shingles will without a doubt lower the appraisal value of a home when deciding to sale. Just something to keep in mind, but that is each individual home owners decision to make isn't it?


_________________
Register Now to have your Insurance queries solved.
a better roof
Guest







PostPosted: Mon Jun 25, 2012 3:10 am   Post subject:   

Quote:
An insurance company can depreciate the value of a home, however they cannot do anything that would allow the value of a home they insure to be depreciated.


That makes no sense. They are the same things.

Quote:
Meaning if finding a shingle match is not a possibility then they are responsible for a full replacement.


You are 100% incorrect.

Quote:
and if there is any change in price or scope of work the contractor will negotiate the same.


Just keep in mind that the insurance company is not obligated in anyway to discuss the claim with the roofing contractor. The roofing contract is not a public adjuster or the person's attorney. Personally, I'd not want just any roofing company discussing my claim with the insurance company.

Quote:
And yes different colored shingles will without a doubt lower the appraisal value of a home when deciding to sale.


Only if they were some specialty materials. Off color shingles on 99.9999% of the houses out there won't diminish the value of a home if they don't match perfectly.
tcope
Forum Expert
Leave a quick message

tcope
Forum Expert

Joined: 22 Nov 2006
Posts: 6175

Location: Salt Lake City, UT
375.37 Dollars($)

PostPosted: Thu Jul 05, 2012 9:26 pm   Post subject: Insurance covering wind damage  

After hurricane Ivan insurance company's in south don't even cover wind damage anymore. It's a seperate policy like flood insurance or they don't offer it at all!


_________________
Register Now to have your Insurance queries solved.
Stressed Down South
Guest







PostPosted: Mon Jul 09, 2012 8:49 am   Post subject:   

And did you have a question?



_________________

CA-licensed Life & Disability Analyst. CA Insurance Lic #0596197. Also investigating insurance company abuses, and providing litigation support/expert witness services. Send me your questions, and I'll send you my answers.
MaxHerr
Forum Expert
Leave a quick message

MaxHerr
Forum Expert

Joined: 29 Nov 2009
Posts: 7888

Location: Pomona CA
107.64 Dollars($)

PostPosted: Mon Jul 16, 2012 5:37 pm   Post subject: wind damages  

I had Farmers Insurance they fake Insurance and they do not like different name, they did not paid my claim. They suckers and jack asses.


_________________
Register Now to have your Insurance queries solved.
parviz
Guest







Quick Reply
Your Name
Subject
Message body
All times are GMT
 Previous  1, 2, 3, 4, 5, 6, 7, 8  Next  
Page 3 of 8


Get a Quote
Ask Community Experts

flash plugin

Quick Links

Must See

Community

Hot topics in forums

Latest in blogs

    Connection Error: Connection refused