Go Back  DoItYourself.com Community Forums > Exterior Improvement Center > Roofing, Gutters and All Waterproofing Anywhere
Reload this Page >

Possible hail damage to my roof and questions about homeowner's insurance

Possible hail damage to my roof and questions about homeowner's insurance

Reply

  #1  
Old 08-01-16, 06:28 PM
Member
Thread Starter
Join Date: Jan 2005
Location: Pennsylvania
Posts: 311
Received 0 Votes on 0 Posts
Possible hail damage to my roof and questions about homeowner's insurance

Hello all, wasn't sure where to post this as I have a few questions about my roof and hail damage to my trailer. I have a 1993 Champion doublewide trailer. We just got hit like 5 days ago with a bad hail storm. Hail the size of golf balls. Cars are both badly damaged by wind driven hail. Anyway, I pretty much know nothing about roofing and everyone in my area is so busy I can't even get a contractor to come look at my trailer before the insurance adjuster comes out. We had a hard rain the other day and the roof did leak. I believe it's coming from the ridge cap. I think I also have what I saw online as what to is referred to as " bruising" of my shingles. It looks like darker round spots here and there on my roof. I also found lots of tiny aggragrate granuals in my gutters on both the house and garage. Will my insurance ( State Farm) want to replace my entire roof or just patch it? I also was wondering what they may do as far as my siding and skirting goes. My siding has a hole or holes in almost every piece on the front of the trailer. One end is almost as bad. The other end and the back only have a few holes. I know if they patch it, it won't match the old siding. Any ideas what the insurance company will do as I have no idea! Any opinions or advice is greatly appreciated as always! Thanks! Jack
 
Sponsored Links
  #2  
Old 08-01-16, 09:28 PM
PJmax's Avatar
Group Moderator
Join Date: Oct 2012
Location: Northern NJ - USA
Posts: 54,565
Received 510 Votes on 480 Posts
Sorry for your loss. I can't really offer much help but some pictures are always helpful.
http://www.doityourself.com/forum/el...-pictures.html

I'm guessing you're trying to get an opinion before the insurance company gets there. We could only offer opinions as only your insurance company can spell out what's covered. I'd imagine it's somewhere in the policy if you could find it.
 
  #3  
Old 08-01-16, 09:59 PM
Member
Thread Starter
Join Date: Jan 2005
Location: Pennsylvania
Posts: 311
Received 0 Votes on 0 Posts
Thanks Pete! Your guess was right on. I'm just looking for opinions before the insurance company gets here Wednesday.
 
  #4  
Old 08-01-16, 10:06 PM
PJmax's Avatar
Group Moderator
Join Date: Oct 2012
Location: Northern NJ - USA
Posts: 54,565
Received 510 Votes on 480 Posts
Possibly a member with a similar issue will be able to shed some light.
 
  #5  
Old 08-02-16, 03:33 AM
chandler's Avatar
Banned. Rule And/Or Policy Violation
Join Date: Dec 2005
Location: USA
Posts: 39,967
Received 3 Votes on 3 Posts
I noticed my roof was in bad shape, so I called a roofer friend to give a quote. He gave the quote, but asked if I had contacted my insurance company yet. I told him that I had not. He suggested that I do since it appeared to be hail damage. So I called insurance, and they sent an estimator out. She was thorough. She went up on the roof and was telling me all that needed to be done, such as new flashing, new vent boots, etc. I said "yeah, yeah" under my breath. She went to her van and emerged with an estimate that matched my roofers, AND a check for half of it. She said for me to send her the invoice when he was through and she would mail him a check for the balance minus my $500 deductible. I stood by in shock for a few minutes.

I asked her why they were so ready to put a roof on my house, which was obviously 20 years old or more. Her explanation was if she fixed my roof, she would not have to pay for water damage to my insulation, ceiling, furniture, floors, on and on.........Made sense, and I was pleased.

So greet your estimator with a cold bottle of water and a friendly smile. You never know what will happen.
 
  #6  
Old 08-02-16, 04:55 AM
Forum Topic Moderator
Join Date: Mar 2005
Location: USA - N.E.Tn
Posts: 46,513
Received 167 Votes on 148 Posts
Most ins companies are pretty good when it comes to covering hail damage. It would be a good idea to get up on the roof and cover the leaking area with a tarp or some other temporary fix to prevent any water damage inside your home.
 
  #7  
Old 08-02-16, 07:28 AM
Member
Thread Starter
Join Date: Jan 2005
Location: Pennsylvania
Posts: 311
Received 0 Votes on 0 Posts
Thanks all! We had forecasted rain yesterday so I did get up on the roof and put a few tarps on it where I thought it was leaking. I read my policy last night and it doesn't really get too specific. I do have a $500 deductible. It's State Farm insurance I have. Anyway, I guess I will just have to wait until tomorrow afternoon and see what happens! Thanks again as I appreciate your time! Jack
 
  #8  
Old 08-02-16, 09:15 AM
Group Moderator
Join Date: Oct 2004
Location: WI/MN
Posts: 19,414
Received 62 Votes on 58 Posts
Don't settle for less - there was a storm in my parents' neighborhood a while back and everyone had damage. Most got new roofs but those with a certain insurance company only got repairs.

There's a reason I mentioned this since you mentioned your insurance company's name....
 
  #9  
Old 08-02-16, 09:46 AM
Member
Thread Starter
Join Date: Jan 2005
Location: Pennsylvania
Posts: 311
Received 0 Votes on 0 Posts
Oh boy, Thanks Stickshift. I also wonder if the insurance company will pay for tree removal as I have a few small trees in the front yard that should be easy to get to and cut up. I do have one big tree on my property line that fell on to the neighboring farmer's field. Am I responsible for this tree? If I understood my policy correctly they pay up to $500 and no more for tree removal. Thanks again as I have no idea about any of this stuff!
Jack
 
  #10  
Old 08-02-16, 11:43 AM
Group Moderator
Join Date: Oct 2004
Location: WI/MN
Posts: 19,414
Received 62 Votes on 58 Posts
Tree removal is based upon where the tree or limb falls - if it's on your property, your insurance company should pay to have it removed, at least up to policy limits that might be in place.
 
  #11  
Old 08-07-16, 01:09 PM
Member
Thread Starter
Join Date: Jan 2005
Location: Pennsylvania
Posts: 311
Received 0 Votes on 0 Posts
Thanks for all the advice all. Insurance agent came and said it was the worst hail damaged roof he'd ever seen. What sucks is I don't have full replacement value on my insurance. I think he tried to give me whatever he could to try to make up for this. They are paying for a new roof on my double wide and half the roof on my garage, minus depreciation. They are also paying for the skirting, front side vinyl of the trailer, and the vinyl on the one end. He was very thorough and even noticed stuff I hadn't noticed and gave them to me. I ended up getting $12,000, which I feel is fair. I may attempt to put steel over my shingles except I'm not sure how I would flash around my skylight that I also need to replace. Thanks again! Jack
 
Reply

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Thread Tools
Search this Thread
 
Ask a Question
Question Title:
Description:
Your question will be posted in: