Our roof of nearly 20 years on our previous house was in need of replacement. I got quotes from two different roofing companies in the area, both with good reputations.
The first guy came out, climbed on the roof and was up there for about 10 minutes. I asked him if there were any signs of damage (we had a hailstorm a year previous) and he said there was so little it wasn’t worth the trouble to engage the insurance company. I called my insurance agent and asked him. He said to call the insurance company’s claims line and schedule an inspection anyway. The following Tuesday both the other roofing company’s estimator and the insurance company’s inspector showed up at the same time. They were on the roof for over 45 minutes. It seemed that the roofing guy took the inspector around and pointed out numerous areas of damage, and the inspector concurred. We had a small leak that was due to a nail lifting under a shingle that the roofing guy identified almost immediately from the roof side. The insurance inspector left and the roofing guy spent about 30 minute with me going over all the stuff he found documented on his iPad. That Friday I got the call from the insurance company, saying they were replacing the roof. I immediately gave the job to the second roofing guy, who, I would add, was not the cheaper of the two, either. The total bill was close to $20k. We paid something like $900 out of pocket. Nice. Also, because the roof was installed with a newer nailing schedule that complies with the latest code, our insurance dropped about $400/year, too. Get both roofs inspected. Don’t cost nothin’ and you might get a new roof or a good part of it covered. -D > On Aug 23, 2020, at 10:16 AM, Kaleb Striplin via Mercedes > <mercedes@okiebenz.com> wrote: > > Speaking of insurance and roofs, if I do make a switch, I need to get > somebody to inspect both roofs. I suspect one or both of them could have hail > damage. When I had a contractor over at the rental he was looking at the roof > and mentioned it looked like it might have some hail damage. Might as well > let USAA fix it since I have been paying them all this money all these years. > > Sent from my iPhone > >> On Aug 23, 2020, at 8:29 AM, Kaleb Striplin <ka...@striplin.net> wrote: >> >> Speaking of insurance commercials j have been seeing a lot of USAA >> commercials lately. Are they now allowing anyone to join? Otherwise why >> would they need to run commercials? >> >> Sent from my iPhone >> >>> On Aug 23, 2020, at 7:06 AM, Dan Penoff via Mercedes >>> <mercedes@okiebenz.com> wrote: >>> >>> A coworker has a new house that was built just a couple years ago with a >>> metal roof. As Don described, with the roofing felt and underlayment it’s >>> no louder that a composite shingle roof, according to them. >>> >>> Liberty is too busy dealing with that emu to settle claims, I suspect. >>> >>> -D >>> >>>>> On Aug 23, 2020, at 12:33 AM, Allan Streib via Mercedes >>>>> <mercedes@okiebenz.com> wrote: >>>> >>>> I think anyone's experience with an insurer as an opposing party is >>>> going to be different from their experience as the insured. >>>> >>>> The one time I had to deal with a claim against someone who hit me, it >>>> was fortuanately not too bad but I definitely had to "keep the ball >>>> moving" with phone calls, getting repair estimates, and other >>>> followup. >>>> >>>> Allan >>>> >>>> >>>> Clay via Mercedes <mercedes@okiebenz.com> writes: >>>> >>>>> My dealings with the Liberty Mutual family have been horrid. I have USAA >>>>> and end up so frustrated dealing with LM as opposing party that I take >>>>> the ding and file a claim. Last event with liberty had the state >>>>> insurance commissioner involved after filing complaints. They actively >>>>> ignore contacting unless they are harassing or lowballing you, trying to >>>>> get you to sign away your rights. Lots of dirty dealings from that >>>>> company. Even had renters get screwed out of claims on their own >>>>> policies. >>>>> >>>>> clay >>>>> >>>>> I have no pronouns please do not refer to me. >>>>> >>>>> >>>>> >>>>>>> On Aug 21, 2020, at 7:12 PM, 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. >>>>>>> now prompted me to start shopping. Anybody have a recommendation for >>>>>>> homeowners insurance and/or auto? I always thought USAA was the >>>>>>> cheapest as well as the best. >>>>> >>>> >>>> _______________________________________ >>>> 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
