OK Don did I remember correctly you said earlier you got a metal roof? What was the difference in cost between a regular roof?
Sent from my iPhone > On Aug 22, 2020, at 8:48 PM, Dwight Giles <dwight.gi...@gmail.com> wrote: > > > Yes,might be snow or just tradition or even building codes here. > > Dwight Giles Jr. > Wickford RI > >> On Sat, Aug 22, 2020, 9:41 PM Kaleb Striplin via Mercedes >> <mercedes@okiebenz.com> wrote: >> I have no experience with them but they seem to be quite popular here. >> >> Sent from my iPhone >> >> > On Aug 22, 2020, at 8:33 PM, Dwight Giles via Mercedes >> > <mercedes@okiebenz.com> wrote: >> > >> > Aren't metal roofs,noisy? We don't see them on houses here on New England. >> > Only garages. >> > >> > Dwight Giles Jr. >> > Wickford RI >> > >> >> On Sat, Aug 22, 2020, 9:27 PM Allan Streib via Mercedes < >> >> mercedes@okiebenz.com> wrote: >> >> >> >> 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 >> >> >> >> >> > _______________________________________ >> > 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
