roofs (kind of long)

We had a house built in 2006 put a metal roof on and it did not rain alot for about 3 years so we did not know we had a bad leak . When we did get lots of rain finally it leaked bad we called builder.The builder was out of business and we think in jail. We called the installers and they said they would not touch the roof that they put it on for the builder.We had a good roofer come out and he said that the roof was installed wrong that is why we had bad leaks. Fast forward to this June we had a bad hail storm roof looked bad lots of hail damage. I called my insurance guy and he said if it is just cosmetic they will not pay that it has to actually have a hole in it from hail. We got the adjuster to come out and after he saw it he was for us lots of damage. Tonight we got a call from insurance saying we will get a new roof a check for around $20K . So what would be the best roof to go back with? We like the metal roof but if insurance does not cover if only cosmetic.

That "cosmetic" ruling is just insurance company BS. My son"s steel roof was about 3 years old, got hail dimples....insurance company installed a new steel roof, gave him the damaged...he"ll put it on his outside wood burner shed.

(quoted from post at 20:44:48 06/30/14) We had a house built in 2006 put a metal roof on and it did not rain alot for about 3 years so we did not know we had a bad leak . When we did get lots of rain finally it leaked bad we called builder.The builder was out of business and we think in jail. We called the installers and they said they would not touch the roof that they put it on for the builder.We had a good roofer come out and he said that the roof was installed wrong that is why we had bad leaks. Fast forward to this June we had a bad hail storm roof looked bad lots of hail damage. I called my insurance guy and he said if it is just cosmetic they will not pay that it has to actually have a hole in it from hail. We got the adjuster to come out and after he saw it he was for us lots of damage. Tonight we got a call from insurance saying we will get a new roof a check for around $20K . So what would be the best roof to go back with? We like the metal roof but if insurance does not cover if only cosmetic.

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Insurance is supposed to put you back to where you were before a loss. That means that if you install a steel roof and that sets your homes value at 100,000, and hail damage drops that to 90K you have a loss and the insurance company has the duty to put you back where you were before the loss. In other words they fix your roof minus the deductible.


You talked to your "insurance guy"? Who? The guy you bought the insurance from? That isn't who you should be talking to. An agent in most states may have none to about 6 weeks worth of training. That's because all they really have to know is the different policies and what to sell to whom. An adjuster on the other hand has to know the policies plus exclusions, coverage's, applicable law for the state, how to do an inspection, how to do an estimate, how to spot fraud and a lot of other things to do the job right. Now here is the catch. A guy can go to work as an adjuster with no training in some states. As long as they are an employee of the insurance company they are covered by the companies license to adjust. I insure through an national agency. My agent is an idiot. I know far more about insurance than he does. But my insurance is golden. I never contact him when I have a problem. I call the 800 number on my policy to get the ball rolling.

Everyone should remember that each state has it's own laws. Each company has to follow or exceed those laws to sell insurance in your state.

If you don't understand the legal speak in your policy you need to talk to your agent or a representative of you company.

Please, read your policies! Know what's covered and what isn't. For example. My homeowners policy covers my boat, as long as a loss doesn't occur on my property in accordance to state law. If I want coverage on my property then I have to have a separate policy just on the boat (I do). Same with my snowmobile and golf cart (poor mans ATV). Cost me about 8 bucks a month per to have full coverage on each. To me it's worth knowing that should something happen I'm covered, even if it's my fault. For you guys with a lot of guns/high value guns. Your homeowners is only going to cover a certain dollar limit. If the value exceeds that you need to have a rider covering the excess value. Same with your wife's jewelry. There is a limit to what the homeowners policy covers. READ YOUR POLICY! RCV. Replacement cost value. You have a kitchen fire. You don't have RCV on your homeowners. An adjuster is going to give you market value to replace the stove and fridge or maybe even have it painted if it isn't too bad (tornado or hurricane too). So if the value of your stove is 50 bucks that's what you get, minus deductible. With RCV they are going to pay you to buy new ones of they same type/size, minus deductible. Cost a buck or 2 a month. Remember, it's only after a loss that you are going to cry if you went the cheap route.

Guys you can buy a cut rate car or truck. You can buy a cut rate tractor. But if you buy cut rate insurance you are asking for trouble.

Rick

There are two guarantees in this world. Concrete will crack and metal roofs will leak.

There are plain metal roofs and then there are standing seam metal roofs. Standing seam roofs don't leak unless the water level rises above the roof.

I put the standing seam roof on my house and I love it. I would NEVER go back to a shingle roof. A single piece of steel from ridge to edge and even rolled over at the edge.

Dead quiet due to Ice and water over the entire roof.

Hidden fasteners so it looks great.

Energy efficient so that the attic doesn't get super hot in summer.

Use shingles again-NEVER

Exactly. Find a competent roofer.

My choice is copper, but roofers here seem to think that if the HO can afford copper they can multiply their labor rate.

A non-roofer, I can install standing seam as fast as I nail shingles. Copper, only do it once.

Decra or other type of metal roof, they have a tar and stone coating, look like regular shingles. Most can't tell the difference from the ground.

An installer that knows what they are doing.

Shouldn't have to touch the roof in your lifetime. A few hail dimples will not be noticeable?

There were a lot of really bad house builders in that time period, the end of the housing bubble, everyone wanted to make a million on throwing together inflated houses and catch a piece of the pie.... Bet the rest of your house isn't that solid either.....

Paul

Depends on your insurance. If you don't have replacement value you get depreciated value. If the roof only had a 10 year warranty (that wasn't any good), the depreciated value is next to nothing and a lot of insurance companies have a deductible of a percentage of the value of your home - not the value of your loss.


If you have a $200,000 home with a 5% deductible value you have a $10,000 deductible. If the rood was $20,000 with a 10 year warranty the loss is only $2000 - well under the deductible.

As for cut rate insurance to avoid - I'd start with avoiding Farm Bureau. They treat their customers like gold until they file a claim - then they treat them like theives.

I would agree with that. There's a lot of crap that got tossed together 5-10 years ago and lots of issues are popping up. These people thought they had a million dollar home - it was actually negative in value because of the cost to flatten it - no one ever lived in it.


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