Will my insurance cover wind damage to roof?

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PostPosted: Mon Jul 16, 2012 8:30 pm   Post subject:   

Not all insurance companies cover wind damage. Before choosing an insurance company, you should make sure they cover the things pertaining to your area. For example, California is known for earthquakes. So you want make sure the insurance company covers earthquakes.

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PostPosted: Tue Jul 17, 2012 6:06 am   Post subject:   

Quote:
So you want make sure the insurance company covers earthquakes.


Won't ever happen in California in a standard homeowner's policy. California has established the California Earthquake Authority that issues policies through participating insurance companies.



There are a few insurance companies that do not participate in the CEA (due to the loss assessment potential) that offer earthquake coverage in the form of a Rider. Their coverage is no better than the CEA's -- high deductible and high premium.



Commercial property policies almost always cover the risk of earthquake as a standard provision. You cannot get a CPP on your residence.


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PostPosted: Mon Aug 13, 2012 1:46 am   Post subject: roofs  

Sounds like a couple of these people work for Allstate. Patching in shingles on an unrepairable roof is building a time bomb waiting for more of the roof to blow off so that you can create another claim and another deductable and hoping they won't insure you by then. If even 1 tab is blown off it is almost definite there is much more wind damage


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PostPosted: Wed Sep 05, 2012 9:23 am   Post subject:   

If there is a damage and you cannot fix it at your own, then do not take any risk and call a specialist to fix the problem. This will save your time and risk both. If you have any insurance for your home, then this damage will be reimbursed by the insurance company.



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PostPosted: Sat Sep 22, 2012 9:29 pm   Post subject: split rail fence due to auto accident  

person knocked down split rail fence,,his insurance co says they don't replace old with new so their check is $888.00 less than estimate,,can they do this


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PostPosted: Sun Sep 23, 2012 3:08 pm   Post subject:   

If the damages were caused by a third party (not you or a member of your household, you are entitled to the "reasonable cost" to repair or replace your damaged property.



The insurance company that says "we don't replace old with new" is full of crap. But you cannot sue the insurance company, because they did not cause your damages. You can sue the party who knocked down your fence for the full cost of repair/replacement.



The court may discount that some for "depreciation" but maybe not. You just need to go into court with two or three contractor estimates of the cost to replace what was damaged. Ideally, the one you chose is in the middle or lower.



The law entitles you to be restored to the condition you were in at the moment prior to the loss. If you had 50 feet of 6 foot high wood fence, and now you only have 5 feet of those 50 feet, you are entitled to the restoration of the other 45 feet. If that cannot be done without replacing the remaining 5 feet, you are entitled to the cost of the entire 50 feet (minus any depreciation perhaps that the law permits).



You don't have to accept the insurance company's offer, and can sue the at fault party instead. Taking the insurance company money may close the matter (a full release of claim) and prevent you from suing the other party.



If you have the insurance company check in hand, and have not cashed it, you can send it back with a letter disagreeing with the payment amount, and making a demand for the full value of the repairs. Send it CERTIFIED MAIL RETURN RECEIPT REQUESTED, and be sure to keep a copy of the letter, the check, and the proof of delivery for evidence in court.



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PostPosted: Tue Sep 25, 2012 6:13 pm   Post subject: Roof Damage Alstate  

Alstate seems to be turning down people with thier claims. Half of the roofs on my block have been replaced because of storm damage. The like to say that because the shingles are not creased there isn't wind damage. Before the crease the seal needs to be broken. That they admit. The storm report they gave in there main report was for cook county. I live in dugage. The storm report for dupage talks about the F1 tornado that touched down less than a mile from my house. They frauduelently left that out. Alstate doen't pay and is a bad insurance company.


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PostPosted: Wed Sep 26, 2012 9:38 pm   Post subject:   

Quote:
They frauduelently left that out. Alstate doen't pay and is a bad insurance company.


Only if you fail to question their determination of your claim. Don't drop the matter. Complain to your state Dept of Insurance. Sue the insurance company for breach of contract. You have choices.


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PostPosted: Sat Sep 29, 2012 6:26 pm   Post subject: probles with roff claim  

do you have any one that speaks spanish,i can register?


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PostPosted: Sat Nov 17, 2012 1:12 am   Post subject: Proving wind damage  

Had strong winds that caused roof to leak and caused damage to carpet and furniture etc. Insurance Co. said old roof and not wind damage and refuses to pay. How can you prove wind damage? Is there a certain wind miles per hour that is acceptable? Please help.

Miguel Gadda


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PostPosted: Fri Nov 30, 2012 10:23 pm   Post subject:   

I THINK THAT THE INSURANCE COMPANY SHOULD NOT ASK YOU TO MAKE YOUR HOUSE LOOK LIKE A SHACK AND NOT MATCH ALL SHINGLES. ILL BET A MILLION DOLLAR HOUSE GET A FULL NEW ROOF AND NOT A PATCH JOB. WE ARE NOT PAYING SMALL PREMIUMS FOR INSURANCE SO WHY ARE WE GETTING SHAFTED


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PostPosted: Tue Dec 04, 2012 1:50 pm   Post subject: No more Allstate  

My neighbors next door have their roof replaced after the last storm paid by their insurance company. Allstate and the roof company I contacted disagree with what needs to be done.

Allstate will only cover the repair which THEY estimate is under our deductible.


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PostPosted: Tue Jan 15, 2013 7:25 am   Post subject:   

If the insurance company is ready to pay you for the whole of the roof then itÂ’s the best deal you have pocketed. Ensure doubts, if any, and discuss the best options available from the roofing contractor.

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PostPosted: Wed Jan 16, 2013 8:11 pm   Post subject:   

You have a couple of choices. (1) you can call Allstate and ask for a second opinion. (2) you can hire a public adjuster to argue your claim with Allstate. (3) you can involve your state's Department of Insurance by filing a complaint against Allstate.



Or you can do nothing.



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PostPosted: Thu Feb 14, 2013 6:58 pm   Post subject:   

Insurance coverage is to put you back to the place you were before the damages. So, if you scratch your car door, they just don't repair the scratch and paint the scratch, they paint the entire door, and more if necessary to blend the color. So, if you had a roof that had matching colors before the damage, that's what they need to provide. If they can exactlyt match, then repair is OK. If they leave you with a speckled eyesore of patchquilt shingles, that's not OK. It might depend on how old the shingle is, and their ability to match it.


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