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bad news on collapsed roof

N

Nancy Howell

Well-known Member
Our insurance doesn't cover roof collapse for barns, sheds, shops, etc. Adjuster said we were about the fifth person he'd had to tell their insurance didn't cover the damage.

Oh well.

I've got all the receipts for the materials so at least we can take it off our income taxes. I think we can salvage quite a bit of the sheet metal and maybe some of the support poles. Purlins are toast.

Dismantling is gonna be a pain. You can bet the frame for the new one will be much stronger.
 
That's too bad. I hope your new one will be more satisfactory. Funny how insurance never seems to cover what actually happens.
Zach
 
sorry to hear about that,ain't it great having insurance that does not cover what you would think it's suppose to cover!
 
We had one go upside down in a storm a year and a half ago. We managed to salvage about 90 percent of the steel by being careful. That brings the cost of rebuilding down by quite a bit.
 
Looked at what they covered and what it cost and decided to drop insurance on the buildings that were all steel. Still cover the contents. Insurance would be double for covering the buildings.
 
(quoted from post at 13:14:41 02/17/10) Ins. covers damage from wind, hail, rain, fire, but not collapse.
Click to expand...
Just prop it back up, should start blowing pretty soon....... Cook up a nice dinner/lunch and have the adjuster back again........... Fried chicken can make things look a lot different.............
May think about sloping the roof a little more on the replacement.

Dave
 
Except for the panhandle, who ever heard of roofs in Texas collapsing from snow accumulation before? Too bad your insurance didn't cover it, but I'm glad the tractors and your horse trailer came through OK.
 
Insurance does-not cover for wind either. Adjuster said we'll have to prorate it. My question was" It was on the building intact and did not leak now it is on the ground and you are not going to pay?" This was with my former insurance co.
 
[b:654c4848f0][i:654c4848f0]"Snow crystals form when tiny supercooled cloud droplets freeze."[/i:654c4848f0][/b:654c4848f0]

Could [b:654c4848f0]supercooled cloud droplets[/b:654c4848f0] be considered rain before freezing?

Were the snow clouds blown from the North by the wind?

Did I raise a lot of hail when I saw the damage?

Will the denied claim cause me to fire my insurance agent?

There you have it rain, wind, hail, and fire!
 
Three outfits do not know that its a bad economy, and they are not going to loose. Banker Insurance, Doctors!
 

Real estate lawyers are hurting. Criminal lawyers get their money up front from criminal clients so if the client has saved up some money from his criminal activities all is well, money wise that is. If the crook has not allowed for overhead he may have to rely on public defender.

KEH
 
From The pix You posted earlier , If it were mine I would save it , Just Get under it and start jacking it right back up ,,, Might need about 5 spots , string it for true , and reinforce and or replace the broken timbers .... use round bales and sqaure bales in case of total collapse ..
 
Just got a letter from my insurance co, said it'd be a good idea to 'carefully' shovel off roofs with a lot of snow on them, tho they are covered, it would be real good to try to prevent collapse to start with.

So, kinda seems some insurance will ocver collapse?

--->Paul
 

Seems insurance companies are doin" everything they can to skip out on claims. Had a flood in inlaw"s house due to ruptured pipe. Insurance company walked. State insurance commissioner wasn"t a bit of help. Neither was (former) agent.
 
Seriously, have you talked to an attorney who supposedly knows insurance law? Or have you read your insurance policy and find that the company specified that they do not cover collapsed roofs?

Sometimes insurance companies "blow smoke" and need to be taken to task...and most lawyers would handle such cases on a percentage of what might be recovered.

Or maybe it isn't worth fighting about. Hope it works out OK for you guys and I am glad the machinery wasn't hurt much. Good luck!
 
Read the Policy, these Insurance people are renowned for reneging on claims.Their rating is half a point above used car salesmen and their the pits..
 
I totally understand. I live on the coast and because of Ike...got a letter yesterday saying they will not renew any homeowner policy in my zip code.
Been there 24 years...not in the 100 year flood plan, never had a claim at all...none. Now I gotta go looking for house insurance again.
 
You have to remember that most insurance companies are NOT in business to pay claims; they are in business to make a profit.
 
(quoted from post at 18:25:59 02/17/10) [b:70b4e06d1d][i:70b4e06d1d]"Snow crystals form when tiny supercooled cloud droplets freeze."[/i:70b4e06d1d][/b:70b4e06d1d]

Could [b:70b4e06d1d]supercooled cloud droplets[/b:70b4e06d1d] be considered rain before freezing?

Were the snow clouds blown from the North by the wind?

Did I raise a lot of hail when I saw the damage?

Will the denied claim cause me to fire my insurance agent?

There you have it rain, wind, hail, and fire!
Click to expand...

James
I checked with my Germania Ins agent and he stated that my tractor shed is covered for SNOW damage if I had a problem which I thankfully don't.
 
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