- Thread starter rls_ia
- Start date
Allan in NE
Well-known Member
Naw,
They'll call it minamal damage, the contractors are all busy, Hey! We can't find your last insurance payment, We cover everything EXCEPT wind, and the list goes on and on and on.
Just went thru this. Damned insurance companys are worse that a bunch of strong-arm thugs.
Allan
They'll call it minamal damage, the contractors are all busy, Hey! We can't find your last insurance payment, We cover everything EXCEPT wind, and the list goes on and on and on.
Just went thru this. Damned insurance companys are worse that a bunch of strong-arm thugs.
Allan
From the one picture I'd say no. I'd have to see a lot more damage than that. Make sure you read your policey before the adjuster shows up. Do you have RCV (replacement cost value) or is the building insured for X amount? A lot will depend on your company......are you with a good company or are you with the cheapest you could find? It will make a difference.
Rick
Rick
Allan in NE
Well-known Member
I'm gonna have one more dance with that feller and then I'm crawlin' up there and doin' it myself.
At that point, I have a feelin' that they are gonna loose $5K a year in premiums. :>)
Allan
At that point, I have a feelin' that they are gonna loose $5K a year in premiums. :>)
Allan
With no nore damage than that would probly have been better off not caling ins Co first they will raise your ins to pay for damage then they will cancel your policy. and will almost be impossable to get another. My broher-n-law tried to get ins when he moved to MO and most ins Co would not ins him becouse he had filed clame 20 years before that for about $200 on storm damage.
fixerupper
Well-known Member
Unless there's other damage I can't see, it looks like you're getting a new roof, or at least part of one. Jim
Anonymous-0
Well-known Member
(quoted from post at 07:04:08 08/21/11) Adjuster is coming tomorrow, do you think they will call this a total loss? I just what to make sure I get the most bang for my buck, Thanks, Bob
Could you look at yourself in the mirror after getting paid as a total loss???????? There are folks with worse getting less......... That's how insurance premiums rise
In '96, I was working some for a small mutual ins. company that writes only in NC when this little breeze came through: http://www.wral.com/weather/hurricanes/page/8029058/ We had one claim where the owner had listed "everything" lost/damaged/destroyed. The question in the office was... "How do you depreciate a box of crayons?"...and I'm serious about that.
Your policy is a "contract" that has its terms and conditions spelled out...nothing more or less. If the "strong arm thugs" could know in advance how much $$$$ would be needed each year to pay losses, life would be much simpler for policy holders as well as the company.
As far as rate increases...MY rates went up after that event and I live far away from storm area.
I'm truly sorry to hear that you folks had wind losses...but won't you consider, please, cutting the "damned bunch of strong-arm thugs" a bit of slack? You could/would be in much worse shape without the insurance company.
Your policy is a "contract" that has its terms and conditions spelled out...nothing more or less. If the "strong arm thugs" could know in advance how much $$$$ would be needed each year to pay losses, life would be much simpler for policy holders as well as the company.
As far as rate increases...MY rates went up after that event and I live far away from storm area.
I'm truly sorry to hear that you folks had wind losses...but won't you consider, please, cutting the "damned bunch of strong-arm thugs" a bit of slack? You could/would be in much worse shape without the insurance company.
We had a partial collapse, excess wet snow, insurance policy did pay for repairs, similar building, 80'x125'. Job required 11 new trusses,, new perlins, tin, skylights, we sister'd up the existing posts with new ones and made it all work, myself and 2 others. We did save some money without hiring it out, but it was labor intense and slow going in the cold.
Looks like the spacing on those trusses are 4'-0" from here, lot of room to fall through. If you have a concrete floor, a scissor lift would be very useful, we had to do ours off scaffolding, ladders etc. December-January, worst time to frame a building, will never do that again. I would assume you have perlins to hold the tin on the existing Do they still make the same profile galvanized tin, so you can tie into the existing ? Might have an odd joint where they meet. Hopefully your policy covers repairs, like ours, not a total loss seeing it from here.
If'n you don't like what they tell you, invite the rep over to that gallow like thing on the right and hang em up til he cuts a check LOL !!!!
Looks like the spacing on those trusses are 4'-0" from here, lot of room to fall through. If you have a concrete floor, a scissor lift would be very useful, we had to do ours off scaffolding, ladders etc. December-January, worst time to frame a building, will never do that again. I would assume you have perlins to hold the tin on the existing Do they still make the same profile galvanized tin, so you can tie into the existing ? Might have an odd joint where they meet. Hopefully your policy covers repairs, like ours, not a total loss seeing it from here.
If'n you don't like what they tell you, invite the rep over to that gallow like thing on the right and hang em up til he cuts a check LOL !!!!
jeremy in NE
Member
Sorry snoop, but insurance companies are one of the biggest problems in this country.
BANDITFARMER
Well-known Member
I would do some real close looking at the rest of the building. There might be other damage you dont see, Like was the other side of the roof raised up? Just looking at the picture I see atleast $7000 worth of work. The more you look at it the more you will see damage, The adjuster is going to lowball you for the damage. The more you see and find the more you can argue your point. Show him what you found. A flash light and a ladder and camera might do you some good, BUT DO THIS WITH YOUR SAFETY IN MIND. Bandit
Nope biggest problem is the insured! Get to be friends with an adjuster and you will find out that a lot of homeowners claim are inflated because the insured see nothing wrong with "getting a little extra back" from their insurance company. I worked a storm in a few years back. 1st 6 claims I worked on 4 had inflated claims by both value presented by the insured and outright fraud claiming damage where there was none. One resulted in a prosecution. Most of the adjusters who have been on the job a few years that I know have gotten very jaded about claims to the point where some think everyone is falsifying claims. That's pretty sad. A lot of the time the company pays because it's cheaper than a legal battle or an investigation. Look at the guy who broke into a home and got locked in the garage while the family was on vacation. He survived on dog food an pop that was in the garage. He was convicted and sent to jail but he successfully sued the homeowners insurance company to the tune of 80K
for "physiological" damages. The company at that point paid because it would cost them more than the 80K to appeal. So next time you get mad about the cost of insurance or the adjuster take a close look at your neighbor or perhaps in the mirror.
Just glad I'm not working that anymore!
Rick
I would say they should pay you for some tin to cover the hole. Paying you more money than that just makes the rest of our premiums go up. That's just an old neglected barn that hasn't had a bit of maintenence in 50 years or since it's been built which I'm guessing to be in the 60's. Everybody wants a new pole barn. They sell them every day.
Doug in Illinois
Member
Depending on which rating service you use, State Farm is among the worst.
One of them have them rated as 4th worst. 1 is Allstate, 2 is Unum, 3 is AIG.
I wish you the best of luck, but if you just had a recent claim with the lightning damage they will at the very least cancel you after this claim.
The two best insurers in the country are USAA, which is for military families only, and AMICA Mutual.
Amica is very selective on who they will insure. They are also somewhat more expensive the first few years, but if they have less than anticipated losses you will get a check back from them on your homeowners insurance.
Check JD Powers ratings to see for yourself. If you don't want either I just mentioned it at least gives you an idea of who you should stay away from. DOUG
One of them have them rated as 4th worst. 1 is Allstate, 2 is Unum, 3 is AIG.
I wish you the best of luck, but if you just had a recent claim with the lightning damage they will at the very least cancel you after this claim.
The two best insurers in the country are USAA, which is for military families only, and AMICA Mutual.
Amica is very selective on who they will insure. They are also somewhat more expensive the first few years, but if they have less than anticipated losses you will get a check back from them on your homeowners insurance.
Check JD Powers ratings to see for yourself. If you don't want either I just mentioned it at least gives you an idea of who you should stay away from. DOUG
Do you really call that a total loss?
Looks like a new roof only.
A good friend of mine had a water leak on the roof of his house and had about $3000 in damage in siding and roof repairs, but he filed a claim saying it would cost $15k in repairs, the insurance company gave him $12k, he fixed his roof and built a new deck with the money he got out of the insurance company. (that is not right no matter how you slice it)
Looks like a new roof only.
A good friend of mine had a water leak on the roof of his house and had about $3000 in damage in siding and roof repairs, but he filed a claim saying it would cost $15k in repairs, the insurance company gave him $12k, he fixed his roof and built a new deck with the money he got out of the insurance company. (that is not right no matter how you slice it)
It depends on company, coverage, policy wording, and the adjuster. In my view, and I've done consulting with insurance companies and work as an expert witness and this in no way constitutes an official opinion since I havenet examine the structure, I'd say no way its totalled.
Some companies want their adjusters to write an estimate and some want you to get quotes. For me and my money I'd ALWAYS have the adjuster write it up and pay off their estimate then shop around for low bidders. I've found that the software is typically from 0-30 high on the quote verses what I can get stuff fixed for.
This is where policy wording comes in. The company I most often consult with writes homeowner and farmowner policies. Under their policies I'd speculate that upon examination I'd recommend they pay for a replacement of one side roof and sheeting, removal and disposal of whats left on that side, and the full 500 dollars for clean up not to exceed 50 percent of the coverage. As to the replacement roof, if its farm owners the payment is adjusted by depreciation, on home owners it isnt.
Some companies want their adjusters to write an estimate and some want you to get quotes. For me and my money I'd ALWAYS have the adjuster write it up and pay off their estimate then shop around for low bidders. I've found that the software is typically from 0-30 high on the quote verses what I can get stuff fixed for.
This is where policy wording comes in. The company I most often consult with writes homeowner and farmowner policies. Under their policies I'd speculate that upon examination I'd recommend they pay for a replacement of one side roof and sheeting, removal and disposal of whats left on that side, and the full 500 dollars for clean up not to exceed 50 percent of the coverage. As to the replacement roof, if its farm owners the payment is adjusted by depreciation, on home owners it isnt.
George Rausch
Member
That's the identical same damage we had to our barn a few years ago. Insurance paid for new metal, and my wife and I put the new metal on.
my take as an adjuster, cant see all 4 sides, cant say if its racked or not, needs roofing one side, maybe some labor on opposite side to check and refasten if needed, notice couple of ties on posts off, trusses look bowed, cant tell if undersized or underspaced depending on location , snowload and building code. Debris needs removed,if it has electrical service that would need checked.
Rates for storms are generally figured over certain geographical area, hurricane area residents have premiums go up after major storms even if they didnt have damage. If you have several theft claims, mysterious disappearance claims, claims related to mean dogs, those cause your personal rates to go up, or to be non renewed. Most states insurance departments are extremely regulated and require claims be handled according to insurance statutes and law. Take it for what its worth, only been doing this for 26 years, you know the strong arm thug stuff, lol
Rates for storms are generally figured over certain geographical area, hurricane area residents have premiums go up after major storms even if they didnt have damage. If you have several theft claims, mysterious disappearance claims, claims related to mean dogs, those cause your personal rates to go up, or to be non renewed. Most states insurance departments are extremely regulated and require claims be handled according to insurance statutes and law. Take it for what its worth, only been doing this for 26 years, you know the strong arm thug stuff, lol
Went out and looked at areas that were mentioned in the replys and made a list East wall is loose from the poles and North wall is bowed out in the back corner, (I know that just happened because I look down it each time I mow). Also corner braces are popped out away from the poles also in a couple of the corners and four rafters are loose at the plate. I'll point out all damage I seen and see where it goes from there. He will have a lot to look at, windows in house, roof and flashing, big door blown off another implement shed wiring down and a few other things.
I kinda know what to except now.
Thanks again, Bob
I kinda know what to except now.
Thanks again, Bob
Anonymous-0
Well-known Member
Hey Gun Guru that is what insurance is for.
Like some others have pointed out. You really need to look at the structural framing in the rest of the building. I had one on a farm we bought. It looked about like yours. The seller had no insurance so he just lowered the selling price of the land.
We looked it over real close and decided it was a total loss. The bracing and the plates had pulled loose before the roof let go. We even renailed some of it and the building would still move. Much of the lumber was ruined where it was nailed together.
We tore it down by hand to save the lumber. Just about every end on the bigger boards was split. I set up a long table on my radial arm saw and cut out the bad places as we where taking it down. That saved having to remove nails in many ends. We used much of the lumber as the sheeting on the new building we built to replace it.
We looked it over real close and decided it was a total loss. The bracing and the plates had pulled loose before the roof let go. We even renailed some of it and the building would still move. Much of the lumber was ruined where it was nailed together.
We tore it down by hand to save the lumber. Just about every end on the bigger boards was split. I set up a long table on my radial arm saw and cut out the bad places as we where taking it down. That saved having to remove nails in many ends. We used much of the lumber as the sheeting on the new building we built to replace it.
cumminspuller
Member
Just put some new tin on it and go. I hope you don't have State Farm insurance. They will want to give you something like $100 for it.
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