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  #1  
Old 7/2/13, 8:53 PM
Charley L. Bottger's Avatar
Charley L. Bottger Charley L. Bottger is offline
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Default Insurance claims

If this roof belong to you personally would you have filed a claim for repair and or replacement???????
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  #2  
Old 7/3/13, 6:30 AM
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Default Re: Insurance claims

NO
But that would be me lolol



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  #3  
Old 7/3/13, 10:32 AM
Larry Kage, CMI Larry Kage, CMI is offline
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Default Re: Insurance claims

No...my deductible would more than cover what I see in the pictures.



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  #4  
Old 7/3/13, 10:51 AM
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Charley L. Bottger Charley L. Bottger is offline
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Default Re: Insurance claims

Quote:
Originally Posted by lkage View Post
No...my deductible would more than cover what I see in the pictures.
I did not take a pic of every hail ding the roof was covered with them



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  #5  
Old 7/3/13, 12:36 PM
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Default Re: Insurance claims

Of course I would because I know what you see in Oklahoma weather wise



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  #6  
Old 7/3/13, 4:16 PM
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Gary Farnsworth, CMI Gary Farnsworth, CMI is offline
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Default Re: Insurance claims

Most insurance companies need so much damage/hits per square of shingles. This one appears to have enough. Replace.



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  #7  
Old 7/4/13, 2:17 PM
Kenneth R. Brittain Kenneth R. Brittain is offline
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Default Re: Insurance claims

Before you file a claim with your insurance company I recommend that you have it evaluated by a public or independent adjustor. If you can't find one or don't want to spend extra money then find a reputable roofing contractor that is HAGG certified and have them evaluate it. Ask them about the different insurance companies and their requirements for replacement and there experience working with the different insurace companies. Not all insurance companies have the same requirements. This is not to second guess the home inspector but generally we are not as knowledgable about the insurance & claims business. Some insurance companies will ding you because you filed a claim even if the claim is denied. This may save you in the long run and give you a better idea if you should file a claim and its potential out come.



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Last edited by kbrittain; 7/4/13 at 5:31 PM..
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  #8  
Old 7/5/13, 12:46 AM
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Charley L. Bottger Charley L. Bottger is offline
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Default Re: Insurance claims

Quote:
Originally Posted by kbrittain View Post
Before you file a claim with your insurance company I recommend that you have it evaluated by a public or independent adjustor. If you can't find one or don't want to spend extra money then find a reputable roofing contractor that is HAGG certified and have them evaluate it. Ask them about the different insurance companies and their requirements for replacement and there experience working with the different insurace companies. Not all insurance companies have the same requirements. This is not to second guess the home inspector but generally we are not as knowledgable about the insurance & claims business. Some insurance companies will ding you because you filed a claim even if the claim is denied. This may save you in the long run and give you a better idea if you should file a claim and its potential out come.

Ken this was not my roof it was on a house I inspected I was just drawing folks out of their shell trying to get some different opinions



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  #9  
Old 7/5/13, 7:28 AM
Kenneth R. Brittain Kenneth R. Brittain is offline
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Default Re: Insurance claims

I knew that



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  #10  
Old 7/5/13, 8:15 AM
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Roy D. Cooke, Sr Roy D. Cooke, Sr is offline
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Default Re: Insurance claims

Quote:
Originally Posted by cbottger View Post
Ken this was not my roof it was on a house I inspected I was just drawing folks out of their shell trying to get some different opinions
It worked well over 200 looked and I am sure many learned much.

Thanks



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  #11  
Old 7/5/13, 9:24 AM
Kenneth R. Brittain Kenneth R. Brittain is offline
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Default Re: Insurance claims

lol on your signature comment (ignore list)



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  #12  
Old 7/5/13, 10:51 PM
Jeff Spencer Jeff Spencer is offline
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Default Re: Insurance claims

The insurance company cannot raise rates for an individual home because of claims againt hail or wind damage. They can raise a region's rates, but not an individual. If you have 10 hits in a square, that exposure will be replaced. Some companies only require 8 hits in a square.



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  #13  
Old 7/6/13, 10:57 AM
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Charley L. Bottger Charley L. Bottger is offline
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Default Re: Insurance claims

Quote:
Originally Posted by jspencer View Post
The insurance company cannot raise rates for an individual home because of claims againt hail or wind damage. They can raise a region's rates, but not an individual. If you have 10 hits in a square, that exposure will be replaced. Some companies only require 8 hits in a square.
But they can cancel an individuals policy and some do and have for simply filing a claim



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  #14  
Old 7/30/13, 6:51 PM
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Default Re: Insurance claims

Yes I would, but I wouldn't wait until the damage was so old that it had turned grey.
Going back into my shell now.




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  #15  
Old 7/30/13, 7:32 PM
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Default Re: Insurance claims

Quote:
lol on your signature comment (ignore list)
Ditto, best signature I have seen on here




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