by Guest » Sun Mar 22, 2009 08:19 am
We recently have had our roof damaged by wind. The independent adjuster told my husband to fix it himself. The Allstate adjuster said there were 31 shingles that needed to be replaced, and would not pay for such wind damage to roof at all. Why should we settle for a spotted roof,when my friend has State Farm and got a new roof on her house, garage and pool house. She said there were only 10-15 shingles damaged on her house and her garage and pool house was not damaged at all. The adjuster told her he wanted everything to match. Do I need to call the State Dept. of Insurance, get a public adjuster, send nasty letters to the home office or what. Because if I do not get a new roof i will get my satisfaction in another way by slamming Allstate on message boards, chat rooms and if i have to have a spotted roof i will get 31 blue shingles and put a huge sign in my front yard stating THIS HOME IS INSURED WITH ALLSTATE. Thanks for any response.
Posted: Sun Mar 22, 2009 05:33 pm Post Subject:
I seriously doubt that any insurance company replaced the shingles on an entire roof when only 10-15 shingles were damaged just so that the roof matched. I think someone is incorrect in that story.
I'm guessing the cost to replace of 31 shingles is under your deductible. It's not difficult to replace individual shingles... it's done all of the time.
Read your policy and check if there's anything regarding wind damage to roof. See, the agreement is that damages will be repaired. While there may be a grey area in that things need to match in some cases, shingles is usually not one usually not one of those areas. Shingles weather quickly (most have a 10-20 year lifetime) and in a couple of year or so they end up looking almost the same. I had a section of my roof repaired, the shingles did not match and I sold it a couple of years later. No one ever even asked me about the roof (they had it professional inspected though). People expect that shingles are going to be replaced and look different. It's accepted and really does not detract from the look of the house. For buyers it should show that the current owner is making repairs as needed and keeping the home in good condition.
Posted: Mon Mar 23, 2009 08:17 am Post Subject:
Okay, the insurer is legally responsible for covering the wind damage to roof and not the entire house. You may do whatever you wish but I doubt that it would affect your situation anyway. Please re-read the policy document carefully; it must have detailed out the process of roof damage insurance claim handling.
Again, I seriously doubt that bashing Allstate would do any good to you.
Posted: Mon Mar 30, 2009 04:04 am Post Subject: Thanks for response
The only way it will help is let go of some of the resentment for having crappy insurance. I called State Farm they said in an instance like that they would have replaced the slope that was damaged. I would have been happy with that. But anyhow I do have a local news channel do a story on the differences in insurance and the importance of investigating before buying. May be that will help other people make better choices when it comes to covering risks like wind damage to roof or other risks.
Posted: Mon Mar 30, 2009 05:07 am Post Subject:
debby
if the statefarm is ready to offer solution for fixing up problems like wind damage to roof (wherever it is necessary), then it should be welcomed.
i appreciate your concern about the awareness in mass public about the pros & cos of insurance policies while applying. nice :wink:
Posted: Thu Nov 25, 2010 03:47 pm Post Subject:
the insurance company has to restore your property to its pre-loss condition. i own a roofing company and we get the entire roof replaced when one shingle is missing. dont try and go against insurance company alone. they will run over you. find a good roofing company that will represent you and fight for you. these people that know nothing about roofing saying they wont replace roof over a few missing or damaged shingles obviously know nothing about roofing. allstate is not bad insurance either. we deal with allstate all the time and in my opinion they take care of their customers more than any other company ive dealt with. i hoped this helped you. never go against insurance company alone. have a professional who knows what their doing to represent you. we have 100% success rate with getting the entire roof replaced even if only one shingle missing
Posted: Thu Nov 25, 2010 03:48 pm Post Subject:
the insurance company has to restore your property to its pre-loss condition. i own a roofing company and we get the entire roof replaced when one shingle is missing. dont try and go against insurance company alone. they will run over you. find a good roofing company that will represent you and fight for you. these people that know nothing about roofing saying they wont replace roof over a few missing or damaged shingles obviously know nothing about roofing. allstate is not bad insurance either. we deal with allstate all the time and in my opinion they take care of their customers more than any other company ive dealt with. i hoped this helped you. never go against insurance company alone. have a professional who knows what their doing to represent you. we have 100% success rate with getting the entire roof replaced even if only one shingle missing
Posted: Thu Nov 25, 2010 05:51 pm Post Subject:
. i own a roofing company and we get the entire roof replaced when one shingle is missing
So you never repair a roof... you always replace it? Remind me never to call you for service on my roof. I might have 1-2 shingles damaged and get a bill for $7,000. :roll:Posted: Sun Nov 28, 2010 12:02 am Post Subject:
Glad the dentist doesn't use the same approach: "Well, we need to pull that bad wisdom tooth. So we start by removing all the others that are in the way."
i own a roofing company and we get the entire roof replaced when one shingle is missing
No wonder Allstate's rates, on average, are among the highest in the nation.
Posted: Sun Feb 20, 2011 08:41 pm Post Subject: Please think for a minute
Regardless if the insurance company comes out and replaces 2 shingles or the entire roof, you still have a claim on your file. SOOO....using an expert restoration company to get you everything you are entitled per your policy coverage (which usually is the entire roof) makes a lot more sense. Listen....think...speak; Makes the world a lot better place when you turn your troubles over to professionals in that service or industry. If you want a "mark" or "claim" on your insurance, make it worth while
Posted: Mon Feb 21, 2011 01:09 am Post Subject: Public adjuster /Restoration contracter
It is vital to understand that your insurance company is a for profit business. Your insurance company always looks for the cheaper route in offering a solution. They however do not consider resale value. Properly addressing damage is the insured duty not the insurance company. Most people don’t understand it is not the responsibility of the insurance company to identify damage; it’s the homeowner’s responsibility. Wind will not single out individual shingles, broken seals and granular loss is other things you need to be concerned with. Roof shingles are bought with warrantees; those warrantees are voided in cases like yours. Also if you accept the offer and have a roofer perform repairs the roofer becomes liable for any other damages. This sets you and your roofer up for failure. Hire a public adjuster and or check into what is known as ”appraisal’ if your insurance won’t play fair…..
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