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Started By
Message
What companies are currently writing homeowners policies in SWLA?
Posted on 9/6/24 at 7:32 pm
Posted on 9/6/24 at 7:32 pm
I'll be putting a new roof on my house shortly- cash pay.
I've filed 3 claims over 4 policy terms with State Farm. They denied 2 claims on my roof and its been a battle. I fully expect them to drop me. It needs to be replaced, so bad I'm paying the $21K myself to have it done. It's leaked 5 times in the past three years due to storms and been patched to hell. One leak caused about $6K in damage to an exterior wall.
I hate State Farm and would actually pay more to move away from them if I had the option. They deny everything and I have no confidence they'll stand up and do whats right when needed.
I've filed 3 claims over 4 policy terms with State Farm. They denied 2 claims on my roof and its been a battle. I fully expect them to drop me. It needs to be replaced, so bad I'm paying the $21K myself to have it done. It's leaked 5 times in the past three years due to storms and been patched to hell. One leak caused about $6K in damage to an exterior wall.
I hate State Farm and would actually pay more to move away from them if I had the option. They deny everything and I have no confidence they'll stand up and do whats right when needed.
7
Posted on 9/6/24 at 7:35 pm to DiamondDog
quote:
It needs to be replaced, so bad I'm paying the $21K myself to have it done.
How many squares?
Posted on 9/6/24 at 7:39 pm to stout
They have it quoted as 171. I'm guessing thats bundles and so thats 57 squares. I also have a steep steep roof.
Lake Area Roofing here in LC if you know them. I've gotten great feedback. Poole wanted $6K more.
Lake Area Roofing here in LC if you know them. I've gotten great feedback. Poole wanted $6K more.
This post was edited on 9/6/24 at 7:41 pm
Posted on 9/6/24 at 7:42 pm to DiamondDog
Where you at man? I can send you some roofers if you need some help Man. I have a buddy in Yougsville that couldn't get a quote below $17K I sent my roofer from BR over snd got my builder cost at Beacon roofing and got it replaced for him for 13k
Posted on 9/6/24 at 7:43 pm to DiamondDog
quote:Great reputation.
Lake Area Roofing here in LC if you know them
You thought about doing a fortified roof to help with insurance?
This post was edited on 9/6/24 at 7:44 pm
Posted on 9/6/24 at 7:43 pm to Solo Cam
Iowa.
Quotes I've gotten are 21, 25, 27, 32 and 36.
Quotes I've gotten are 21, 25, 27, 32 and 36.
Posted on 9/6/24 at 7:45 pm to Solo Cam
I have no complaints and they've been fair. I can't complain. They're solid and so I'm confident going with them.
Posted on 9/6/24 at 7:54 pm to DiamondDog
Super fair Man. If you look up insurance companies I would call and ask if they offer discounts for fortified and check in your local area for inspectors on it man
Posted on 9/6/24 at 8:01 pm to Solo Cam
What’s a ballpark difference in cost between a roof and a fortified roof? Also, what do they do to the roof that makes it fortified?
Posted on 9/6/24 at 8:06 pm to Solo Cam
Interesting. I can apply for a $10,000 grant through the State to fortify the house. Limited to LC area. Opens Sept 18th.
Posted on 9/6/24 at 8:06 pm to ItzMe1972
8 years old.
Posted on 9/6/24 at 8:07 pm to DiamondDog
I’m in Jennings and moved to USAA in June from State Farm. Similar shtick with claim/denial from State Farm.
Posted on 9/6/24 at 8:08 pm to DiamondDog
quote:
They have it quoted as 171. I'm guessing thats bundles and so thats 57 squares. I also have a steep steep roof.
Lake Area Roofing here in LC if you know them. I've gotten great feedback. Poole wanted $6K more.
Yea good company and the price seems fair for 57 squares on a steep pitch. The cost estimator would allow for way more which is why you had such a variety of prices.
If you wanted to risk the warranty aspect there are crews around that will do it for $100 per sq if you buy the materials and rent the dumpster. That could cut your cost in nearly half but again no warranty.
This post was edited on 9/6/24 at 8:09 pm
Posted on 9/6/24 at 8:12 pm to stout
quote:
but again no warranty.
Are these just uninsured crews running around ? Sounds problematic for insurance policy proving roof replacement
Posted on 9/6/24 at 8:17 pm to Chad504boy
quote:
Sounds problematic for insurance policy proving roof replacement
Why? You will have material receipts as proof. Nothing says you can't act as your own GC on your own house in Louisiana.
Posted on 9/6/24 at 8:22 pm to stout
quote:
Nothing says you can't act as your own GC on your own house in Louisiana.
Some companies want to see licensed contractor receipts as proof since you know they are insuring the house being worked on.
Posted on 9/6/24 at 8:31 pm to stout
I don't see ever being able to cash in a roof warranty. I'm told its basically impossible for shingle companies to pay you and the labor is always subjective. They ain't gonna pay for anything caused by storms- then it becomes subjective.
I won't use a random crew because I have no idea what I'm doing and can't get on the roof to check their work, even if I knew.
You got someone who can redo a shower at a good price? I'll take that contact. Got a leak and needs to bust out tile, fix leak. Wholesale remodel. I bought the materials already.
I won't use a random crew because I have no idea what I'm doing and can't get on the roof to check their work, even if I knew.
You got someone who can redo a shower at a good price? I'll take that contact. Got a leak and needs to bust out tile, fix leak. Wholesale remodel. I bought the materials already.
Posted on 9/6/24 at 8:38 pm to DiamondDog
We had a big Laura claim through Allstate and they made it right. Have auto, life, and home through them for discounts. They’re not the cheapest I’m sure, but they were fair.
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