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 Posted: Sun Mar 22, 2009 8:19 am Post subject: wind damage to roof |
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We recently have had wind damage. 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 anything. 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.
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debby
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| Posted: Sun Mar 22, 2009 5:33 pm Post subject: |
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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. |
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tcope
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| Posted: Mon Mar 23, 2009 8:17 am Post subject: |
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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. |
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simon
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| Posted: Mon Mar 30, 2009 4:04 am Post subject: Thanks for response |
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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. Maybe that will help other people make better choices.
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Debby
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| Posted: Mon Mar 30, 2009 5:07 am Post subject: |
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debby
if the statefarm is ready to offer the solution for fixing up the problem 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 
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amit
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