by Guest » Sun Mar 22, 2009 08:19 am
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.
Posted: Sat May 19, 2012 03:25 pm Post Subject: Roofer speaks the truth
This Moderator does not know the law or anything except to run bad comments.
Posted: Sat May 19, 2012 03:28 pm Post Subject: More proof
w w w. floridainsuranceblog.com/2010/09/articles/insurance-coverage-homeowners/what-does-wind-damage-to-a-roof-look-like/
I roof also, its the law... they have to replace it.
Posted: Sun Jun 24, 2012 02:13 pm Post Subject:
BUT WHEN IT COMES TO PAYING THEY WILL DENY EVERY TIME
Well, not every time.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.
Posted: Mon Jun 25, 2012 02:23 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?
Posted: Mon Jun 25, 2012 03:10 am Post Subject:
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.
Meaning if finding a shingle match is not a possibility then they are responsible for a full replacement.
You are 100% incorrect.
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.
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.
Posted: Thu Jul 05, 2012 09:26 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!
Posted: Mon Jul 09, 2012 08:49 am Post Subject:
And did you have a question?
Posted: Mon Jul 16, 2012 05:37 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.
Posted: Mon Jul 16, 2012 08:30 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.
Posted: Tue Jul 17, 2012 06:06 am Post Subject:
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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