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Friendly reminder: weather and roof related

Posted on 5/8/25 at 4:51 pm
Posted by couv1217
Baton Rouge, LA
Member since Sep 2007
3460 posts
Posted on 5/8/25 at 4:51 pm
These storms we are having bring out the door knockers. Don’t let them on your roof. They have to meet claim quotas and will get you to make unwarranted claims. Yes…even big blue for you Baton Rouge area folks. Get a referral from family, friends, neighbors, etc.

.75” hail rarely damages a roof. And that is mostly what southern Louisiana gets.

Posted by meeple
Carcassonne
Member since May 2011
10238 posts
Posted on 5/8/25 at 5:30 pm to
I’ve known a lot of people that have gotten free roofs from knockers.
Posted by Tifway419
Member since Sep 2022
1259 posts
Posted on 5/8/25 at 6:00 pm to
That’s partially why our insurance rates have gone through the roof.

Pun intended
Posted by couv1217
Baton Rouge, LA
Member since Sep 2007
3460 posts
Posted on 5/8/25 at 6:05 pm to
quote:

Tifway419


Exactly
Posted by couv1217
Baton Rouge, LA
Member since Sep 2007
3460 posts
Posted on 5/8/25 at 6:07 pm to
quote:

meeple


Not saying they are all bad but for the most part people just need to be wary. Your friends are some of the lucky ones that whom a door knocker knocked and got a new roof while the other however many claims they filed frivolously didn’t get approved
Posted by Willie Stroker
Member since Sep 2008
14529 posts
Posted on 5/8/25 at 6:25 pm to
quote:

I’ve known a lot of people that have gotten free roofs from knockers.

[raises hand]
The insurance company initially denied the claim. The owner of the roofing company called me and asked me to arrange for the adjuster to come back to show him the “bruised shingles”.

I made it happen, they both climbed my roof together. Next thing I knew…new roof.
Posted by Cage Fighter Trainee
Member since Aug 2024
126 posts
Posted on 5/8/25 at 9:26 pm to
quote:

.75” hail rarely damages a roof. And that is mostly what southern Louisiana gets


0.75" is really just the threshold of where hail can start to do damage to vulnerable exterior items. It's not just hail size but density too. More dense hail is harder and will damage more than less dense, softer hail. Think of an ice cube vs. a similar sized snow ball (hail doesn't form like that but you get the gist).

Most people don't want to pay for a new roof so they will welcome someone to help get it for them. It's pretty hard to see your neighbors all getting new roofs and a homeowner not participate especially if they need a roof. This leaves us with the mess we are in regarding insurance.

With that said, there are a few things a homeowner can look for before filing a claim especially if they are happy with their existing roof. Hail will not just impact the roof but also exterior components like gutters, downspouts, fascia, windows (the glazing bead around the windows), screens, shutters, doors, garage doors, the metal wrap around the garage door opening, patio covers, etc. Hail will also leave spatter on wood fencing, electrical panel boxes, metal sheds, a/c units, your gas meter, utility boxes for underground utilities, etc.

Additionally, hail can damage spa covers, playground equipment, yard décor, solar lights, patio furniture, etc.

This collateral damage is almost always present in some form or another and is easy to see from the ground. If you see spatter marks on your wood fence, go look at the size of the marks. You should be able to get an idea as to whether or not you need to investigate further or have a roofer come out. Hail can really start doing roof damage when it's >1"

If it is determined that you need a new roof, you should always do your homework on your roofer. Just because your neighbor had the roofer do his house doesn't mean he's a great roofer. Check credentials, check his insurance and ask to see other roofs he completed and talk with those homeowners. You want to make sure he's using a quality shingle and sending off the warranty info. Remember, these little roofing companies don't usually keep shingles "in stock" but rather, get them from a supply house as needed. Don't fall for that line and pick the best shingle you can. If some of these roofers can save $ going with a lesser grade shingle or reusing a rusty old vent, they will.

Not all roofers are bad but most homeowners are gonna get one shot at this for the next 15-25 years so you want it done right.
Posted by AaronDeTiger
baton rouge
Member since Jun 2014
1724 posts
Posted on 5/8/25 at 11:29 pm to
quote:

I’ve known a lot of people that have gotten free roofs from knockers.


And that's exactly why all of our insurance is going up. I had one come look. Over the phone, he said don't worry, we always find something.

Roofers and PI attorneys are the scum of the earth.
Posted by couv1217
Baton Rouge, LA
Member since Sep 2007
3460 posts
Posted on 5/10/25 at 8:05 am to
quote:

Cage Fighter Trainee


Not sure why you got a couple downvotes. That’s all great information
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