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: Sun Mar 22, 2009 8:19 am   Post subject: Will my insurance cover wind damage to roof?  

We recently have had our roof damaged by wind. The independent adjuster told my husband to fix it himself. The Allstate adjuster said there were 31 shingles that needed to be replaced, and would not pay for such wind damage to roof at all. Why should we settle for a spotted roof,when my friend has State Farm and got a new roof on her house, garage and pool house. She said there were only 10-15 shingles damaged on her house and her garage and pool house was not damaged at all. The adjuster told her he wanted everything to match. Do I need to call the State Dept. of Insurance, get a public adjuster, send nasty letters to the home office or what. Because if I do not get a new roof i will get my satisfaction in another way by slamming Allstate on message boards, chat rooms and if i have to have a spotted roof i will get 31 blue shingles and put a huge sign in my front yard stating THIS HOME IS INSURED WITH ALLSTATE. Thanks for any response.


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







PostPosted: Sun Mar 22, 2009 5:33 pm   Post subject:   

I seriously doubt that any insurance company replaced the shingles on an entire roof when only 10-15 shingles were damaged just so that the roof matched. I think someone is incorrect in that story.



I'm guessing the cost to replace of 31 shingles is under your deductible. It's not difficult to replace individual shingles... it's done all of the time.



Read your policy and check if there's anything regarding wind damage to roof. See, the agreement is that damages will be repaired. While there may be a grey area in that things need to match in some cases, shingles is usually not one usually not one of those areas. Shingles weather quickly (most have a 10-20 year lifetime) and in a couple of year or so they end up looking almost the same. I had a section of my roof repaired, the shingles did not match and I sold it a couple of years later. No one ever even asked me about the roof (they had it professional inspected though). People expect that shingles are going to be replaced and look different. It's accepted and really does not detract from the look of the house. For buyers it should show that the current owner is making repairs as needed and keeping the home in good condition.

tcope
Forum Expert
Leave a quick message

tcope
Forum Expert

Joined: 22 Nov 2006
Posts: 5991

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

PostPosted: Mon Mar 23, 2009 8:17 am   Post subject:   

Okay, the insurer is legally responsible for covering the wind damage to roof and not the entire house. You may do whatever you wish but I doubt that it would affect your situation anyway. Please re-read the policy document carefully; it must have detailed out the process of roof damage insurance claim handling.



Again, I seriously doubt that bashing Allstate would do any good to you.

simon
Senior member
Leave a quick message

simon

Joined: 28 Sep 2005
Posts: 544


93.73 Dollars($)

PostPosted: Mon Mar 30, 2009 4:04 am   Post subject: Thanks for response  

The only way it will help is let go of some of the resentment for having crappy insurance. I called State Farm they said in an instance like that they would have replaced the slope that was damaged. I would have been happy with that. But anyhow I do have a local news channel do a story on the differences in insurance and the importance of investigating before buying. May be that will help other people make better choices when it comes to covering risks like wind damage to roof or other risks.


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







PostPosted: Mon Mar 30, 2009 5:07 am   Post subject:   

debby



if the statefarm is ready to offer solution for fixing up problems like wind damage to roof (wherever it is necessary), then it should be welcomed.



i appreciate your concern about the awareness in mass public about the pros & cos of insurance policies while applying. nice Wink

amit
Senior member
Leave a quick message

amit

Joined: 25 Jan 2009
Posts: 365


8.19 Dollars($)

PostPosted: Thu Nov 25, 2010 3:47 pm   Post subject:   

the insurance company has to restore your property to its pre-loss condition. i own a roofing company and we get the entire roof replaced when one shingle is missing. dont try and go against insurance company alone. they will run over you. find a good roofing company that will represent you and fight for you. these people that know nothing about roofing saying they wont replace roof over a few missing or damaged shingles obviously know nothing about roofing. allstate is not bad insurance either. we deal with allstate all the time and in my opinion they take care of their customers more than any other company ive dealt with. i hoped this helped you. never go against insurance company alone. have a professional who knows what their doing to represent you. we have 100% success rate with getting the entire roof replaced even if only one shingle missing


_________________
Register Now to have your Insurance queries solved.
john doe
Guest







PostPosted: Thu Nov 25, 2010 3:48 pm   Post subject:   

the insurance company has to restore your property to its pre-loss condition. i own a roofing company and we get the entire roof replaced when one shingle is missing. dont try and go against insurance company alone. they will run over you. find a good roofing company that will represent you and fight for you. these people that know nothing about roofing saying they wont replace roof over a few missing or damaged shingles obviously know nothing about roofing. allstate is not bad insurance either. we deal with allstate all the time and in my opinion they take care of their customers more than any other company ive dealt with. i hoped this helped you. never go against insurance company alone. have a professional who knows what their doing to represent you. we have 100% success rate with getting the entire roof replaced even if only one shingle missing


_________________
Register Now to have your Insurance queries solved.
john doe
Guest







PostPosted: Thu Nov 25, 2010 5:51 pm   Post subject:   

Quote:
. i own a roofing company and we get the entire roof replaced when one shingle is missing
So you never repair a roof... you always replace it? Remind me never to call you for service on my roof. I might have 1-2 shingles damaged and get a bill for $7,000. Rolling Eyes
tcope
Forum Expert
Leave a quick message

tcope
Forum Expert

Joined: 22 Nov 2006
Posts: 5991

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

PostPosted: Sun Nov 28, 2010 12:02 am   Post subject:   

Glad the dentist doesn't use the same approach: "Well, we need to pull that bad wisdom tooth. So we start by removing all the others that are in the way."



Quote:
i own a roofing company and we get the entire roof replaced when one shingle is missing




No wonder Allstate's rates, on average, are among the highest in the nation.


_________________

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: 7331
Highets Points
Location: Pomona CA
60.59 Dollars($)

PostPosted: Sun Feb 20, 2011 8:41 pm   Post subject: Please think for a minute  

Regardless if the insurance company comes out and replaces 2 shingles or the entire roof, you still have a claim on your file. SOOO....using an expert restoration company to get you everything you are entitled per your policy coverage (which usually is the entire roof) makes a lot more sense. Listen....think...speak; Makes the world a lot better place when you turn your troubles over to professionals in that service or industry. If you want a "mark" or "claim" on your insurance, make it worth while


_________________
Register Now to have your Insurance queries solved.
really?
Guest







PostPosted: Mon Feb 21, 2011 1:09 am   Post subject: Public adjuster /Restoration contracter  

It is vital to understand that your insurance company is a for profit business. Your insurance company always looks for the cheaper route in offering a solution. They however do not consider resale value. Properly addressing damage is the insured duty not the insurance company. Most people don’t understand it is not the responsibility of the insurance company to identify damage; it’s the homeowner’s responsibility. Wind will not single out individual shingles, broken seals and granular loss is other things you need to be concerned with. Roof shingles are bought with warrantees; those warrantees are voided in cases like yours. Also if you accept the offer and have a roofer perform repairs the roofer becomes liable for any other damages. This sets you and your roofer up for failure. Hire a public adjuster and or check into what is known as ”appraisal’ if your insurance won’t play fair…..

(Promotional phone no. removed as per Community TOU) free counseling


_________________
Register Now to have your Insurance queries solved.
Anthony Odeh
Guest







PostPosted: Mon Feb 21, 2011 3:51 pm   Post subject:   

Quote:
Regardless if the insurance company comes out and replaces 2 shingles or the entire roof, you still have a claim on your file




The fallacy in this statement is that the insurance company will replace 1 or 2 shingles. It will not. Insurance is for "catastrophic" coverage, not cosmetic repair.



An insurance company will not pay to reroof an entire home just because one or two shingles are damaged. A contractor that gets a person to sign a contract for a tearoff and reshingle before a claim is submitted, has a contract he can take to court and enforce when the insurance company refuses to pay the claim.



The proper sequence of events in any insurance claim is to (A) identify the loss as covered by the contract (B) value the loss by obtaining written ESTIMATES (not contracts) from licensed contractors (C) review the estimates with the insurance company (or its field adjuster) and determine the loss payable (D) hire the contractor whose work you believe will suit your needs.



Quote:
Your insurance company always looks for the cheaper route in offering a solution




Not exactly. Insurance companies are, like all businesses, in business to make a profit, and they stay in business by paying claims. They do not pay claims that have been wildly inflated in value, nor do they pay claims that are not their responsibility.



The insurance company determines the value of a loss according to the language of the contract. Most homeowner's policies use a combination of terms, Actual Cash Value and Replacement Cost, to define their loss exposure. They pay ACV, as determined by their adjuster, after determining the replacement cost less depreciation. They will pay the actual replacement cost if and when the work is completed, but not if the work is unnecessary.



That's why, contrary to our contractor's posts above, insurance companies will NOT PAY for an entire new roof when only a few shingles are required to be replaced. The point expressed that if you are going to have a "mark" on your policy, make it a big one, is sometimes known as INSURANCE FRAUD, and for that people may go to prison.


_________________

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: 7331
Highets Points
Location: Pomona CA
60.59 Dollars($)

PostPosted: Thu Feb 24, 2011 8:14 pm   Post subject:   

I have a very similar issue with the same company, however they are willing to replace only HALF of my roof minus "depreciation". The adjuster was looking for any way out of paying to have a WHOLE roof replaced. Who in the world replaces only half of a roof? On top of that, they lowballed the price for what they are going to pay for. Stating that the labor for roofing will only be $174.00. I would put up one third of a roof for that price. Allstate is absolutely ridiculous.


_________________
Register Now to have your Insurance queries solved.
Guest







PostPosted: Fri Mar 04, 2011 4:04 pm   Post subject:   

I think slamming Allstate won't be beneficial to you. Allstate has received a lot of bashing in all forums, but hey, look, it's still alive! People can only do so much bashing.







_________________

[Link removed as per TOU - Admin]

Diego
New member
Leave a quick message



Joined: 28 Jan 2011
Posts: 26


3.02 Dollars($)

PostPosted: Sun Mar 20, 2011 4:47 pm   Post subject: INSURANCE RIPOFF  

INSURANCE COMPANY'S ARE A RIP OFF THEY CHARGE YOU FOR YEARS, INVEST OR LEND YOUR MONEY OUT AT A HIGHER RATE, BUT WHEN IT COMES TO PAYING THEY WILL DENY EVERY TIME, AND 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. YOUR MONEY IS STILL IN THEIR GOOD HANDS.


_________________
Register Now to have your Insurance queries solved.
INSRIP1
Guest







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


Get a Quote
Ask Community Experts

flash plugin

Quick Links

Must See

Community

Hot topics in forums

Latest in blogs

AmPmInsure on Facebook



Page loaded in 5.408 seconds.