What's new
Fantasy Football - Footballguys Forums

This is a sample guest message. Register a free account today to become a member! Once signed in, you'll be able to participate on this site by adding your own topics and posts, as well as connect with other members through your own private inbox!

Hail damage - getting new roof, what questions should I have? (1 Viewer)

We had hail damage to our roof. I just took the money and left the roof as is. It was just cosmetic and while it's not the newest of roofs, it still has 5-10 years left :shrug:
No mortgage? Because the insurance check is made payable to you and the lien holders (always a PIA to endorse when I worked at banks and people would come in with their claim checks).
:shrug:
Have a mortgage. Still owe 300K or probably more. Check was for like 14K. They even asked for a paypal account to deposit in into

You have a depreciated roof they wrote for 14k without a builders invoice post deductible with a check payable to you and you only?
Yes? I don't remember all the details. As @matttyl said above, I could have gotten more money if I got the roof done. I would have needed to submit invoices showing total replacement cost but we chose to just take the cash.
They probably were like.... we can pay this guy off with $14K in cash and avoid a $30K roof replacement. Done.
30k roof replacement? I just paid 14k for 26 squares on my roof. For 30k I'd think that would be a 8-9,000sq.ft. house.

FFA land indeed.
I wish, not close to that. Their adjuster is the one that came up with that number. Maybe it is area difference in labor or maybe different material, or they have to do extra stuff in my climate versus yours? My only other thought is that they will be doing a full tear off and rebuild (or whatever they call it) maybe yours wasn't as extensive? I have no idea. This is not my area of knowledge for sure.
 
We had hail damage to our roof. I just took the money and left the roof as is. It was just cosmetic and while it's not the newest of roofs, it still has 5-10 years left :shrug:
No mortgage? Because the insurance check is made payable to you and the lien holders (always a PIA to endorse when I worked at banks and people would come in with their claim checks).
:shrug:
Have a mortgage. Still owe 300K or probably more. Check was for like 14K. They even asked for a paypal account to deposit in into

You have a depreciated roof they wrote for 14k without a builders invoice post deductible with a check payable to you and you only?
Yes? I don't remember all the details. As @matttyl said above, I could have gotten more money if I got the roof done. I would have needed to submit invoices showing total replacement cost but we chose to just take the cash.
They probably were like.... we can pay this guy off with $14K in cash and avoid a $30K roof replacement. Done.
30k roof replacement? I just paid 14k for 26 squares on my roof. For 30k I'd think that would be a 8-9,000sq.ft. house.

FFA land indeed.
I wish, not close to that. Their adjuster is the one that came up with that number. Maybe it is area difference in labor or maybe different material, or they have to do extra stuff in my climate versus yours? My only other thought is that they will be doing a full tear off and rebuild (or whatever they call it) maybe yours wasn't as extensive? I have no idea. This is not my area of knowledge for sure.
My mom just had wind and hail do her siding and roof on a small house and they adjusted for 52k. 30 of that was the roof. 2200 ft house. Nothing special at all.
 
We had hail damage to our roof. I just took the money and left the roof as is. It was just cosmetic and while it's not the newest of roofs, it still has 5-10 years left :shrug:
No mortgage? Because the insurance check is made payable to you and the lien holders (always a PIA to endorse when I worked at banks and people would come in with their claim checks).
:shrug:
Have a mortgage. Still owe 300K or probably more. Check was for like 14K. They even asked for a paypal account to deposit in into

You have a depreciated roof they wrote for 14k without a builders invoice post deductible with a check payable to you and you only?
Yes? I don't remember all the details. As @matttyl said above, I could have gotten more money if I got the roof done. I would have needed to submit invoices showing total replacement cost but we chose to just take the cash.
They probably were like.... we can pay this guy off with $14K in cash and avoid a $30K roof replacement. Done.
30k roof replacement? I just paid 14k for 26 squares on my roof. For 30k I'd think that would be a 8-9,000sq.ft. house.

FFA land indeed.
I wish, not close to that. Their adjuster is the one that came up with that number. Maybe it is area difference in labor or maybe different material, or they have to do extra stuff in my climate versus yours? My only other thought is that they will be doing a full tear off and rebuild (or whatever they call it) maybe yours wasn't as extensive? I have no idea. This is not my area of knowledge for sure.
My mom just had wind and hail do her siding and roof on a small house and they adjusted for 52k. 30 of that was the roof. 2200 ft house. Nothing special at all.
Dayuuuum. Must be highly location dependent. If hers is a ranch style then I'd expect my roof and hers to be similar in size (and cost 2x as much).
 

Users who are viewing this thread

Back
Top