How do you like the metal roofs? I have been thinking about doing that when my asphalt shingle roof needs replacing (soon, it's 22 years old, and I've already had to patch a leak around a skylight in the living room). But some of the installations I've seen look cheap and "industrial" for want of a better word.
My other thought has been composite tiles that look like spanish tile. I really like that look but the cost of real tile is quite a lot and I'm not sure if a normal truss roof would take the weight if it wasn't built for that originally. Allan OK Don via Mercedes <mercedes@okiebenz.com> writes: > Our homeowner's insurance includes the house, detached garage, well house, > guest house (was a shop), and hangar. When I called to report a roof leak > that was staining the ceiling in the bedroom a couple of months after a > hailstorm, State Farm sent an appraiser who inspected everything, all the > roofs. He determined that the house roof was OK, the leak was from an > poorly sealed standpipe, but did find that all the other roofs had hail > damage, so paid to replace them all. That included the 2000 sq. ft. hangar > with foam sprayed on the underside of the roof. By spraying the outside of > the hangar roof with foam and latex paint of some sort, we had enough money > left over to re-roof the house. All the roofs are now metal - which reduced > our premium some 20% or so (I don't remember exactly, it might have been > more. > > On Sat, Aug 22, 2020 at 12:35 PM Dan Penoff via Mercedes < > mercedes@okiebenz.com> wrote: > >> I suspect they’re looking at your county appraiser’s records to get things >> like age, square footage, etc. It’s entirely possible they’re including the >> cost of your outbuilding, too. That or there could be mistakes in your >> property appraiser’s records - always good to check every year or two. >> >> I say that from experience, as the house we built in Wisconsin had a room >> added to it by a third party appraiser the city hired when we had a >> reassessment. He didn’t do a physical inspection, he just did a “drive by”. >> We challenged this and found that he had boogered up so many other people’s >> appraisals that the city ended up firing him and hiring a new company that >> did it right. >> >> -D >> >> > On Aug 22, 2020, at 1:23 PM, Kaleb Striplin via Mercedes < >> mercedes@okiebenz.com> wrote: >> > >> > No they don’t care as long as they get paid off. These insurance >> companies plug in some sort of number they claim is the cost to rebuilt the >> house based one some sort of calculation they come up with. >> > >> > Sent from my iPhone >> > >> >> On Aug 22, 2020, at 11:27 AM, Craig via Mercedes <mercedes@okiebenz.com> >> wrote: >> >> >> >> On Fri, 21 Aug 2020 22:12:58 -0500 Kaleb Striplin via Mercedes >> >> <mercedes@okiebenz.com> wrote: >> >> >> >>> I ran a couple of online quotes and cheapest I came up with so far was >> >>> Liberty Mutual. It was around $600-$1k cheaper depending on >> >>> deductible. I have not tried State Farm yet. The problem is USAA and >> >>> all these others put a rebuild value WAY higher than what we paid and >> >>> what I figure the actual house is worth/would actually cost to replace. >> >> >> >> Can you not say, "This is what I want to insure my house for?" Or is the >> >> one who funded your mortgage requiring the higher value? >> >> >> >> >> >> Craig >> >> >> >> _______________________________________ >> >> http://www.okiebenz.com >> >> >> >> To search list archives http://www.okiebenz.com/archive/ >> >> >> >> To Unsubscribe or change delivery options go to: >> >> http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com >> >> >> > >> > >> > _______________________________________ >> > http://www.okiebenz.com >> > >> > To search list archives http://www.okiebenz.com/archive/ >> > >> > To Unsubscribe or change delivery options go to: >> > http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com >> > >> >> >> _______________________________________ >> http://www.okiebenz.com >> >> To search list archives http://www.okiebenz.com/archive/ >> >> To Unsubscribe or change delivery options go to: >> http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com >> >> > > -- > OK Don > > "Whenever you find yourself on the side of the majority, it is time to > pause and reflect." Mark Twain > > “Basic research is what I’m doing when I don’t know what I am doing.” Wernher > Von Braun > 2013 F150, 18 mpg > 2017 Subaru Legacy, 30 mpg > 1957 C182A, 12 mpg - but at 150 mph! > _______________________________________ > http://www.okiebenz.com > > To search list archives http://www.okiebenz.com/archive/ > > To Unsubscribe or change delivery options go to: > http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com > -- Allan Streib Indiana University Luddy School of Informatics, Computing, and Engineering Digital Science Center | Intelligent Systems Engineering | FutureSystems _______________________________________ http://www.okiebenz.com To search list archives http://www.okiebenz.com/archive/ To Unsubscribe or change delivery options go to: http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
