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Started By
Message
Need a New Roof
Posted on 3/16/21 at 10:13 pm
Posted on 3/16/21 at 10:13 pm
Recently bought the house, only house on street not to get a roof in last year’s hail.
Roofing companies very doubtful my insurance will cover since it was well before buying the house.
Do I consider paying out of pocket? It’ll be expensive.
Should I wait for hail this Spring? Dangerous waiting game given current damage.
Appreciate the advice.
Roofing companies very doubtful my insurance will cover since it was well before buying the house.
Do I consider paying out of pocket? It’ll be expensive.
Should I wait for hail this Spring? Dangerous waiting game given current damage.
Appreciate the advice.
9
Posted on 3/16/21 at 10:15 pm to LSUfan20005
You can go back to the insurance on the house at the time of the loss. I have seen it done many times. In Louisiana there is 2 years to file a property claim.
This post was edited on 3/16/21 at 10:17 pm
Posted on 3/16/21 at 10:24 pm to LSUfan20005
Just wait until tomrrow and if you don’t get hail beat it with a hammer 
Posted on 3/16/21 at 10:26 pm to LSUfan20005
You need a buddy in insurance
Posted on 3/16/21 at 10:33 pm to LSUfan20005
Insurance usually won't cover a house without a serviceable roof. It should have been fixed prior to the sale by the previous owners insurance. I am surprised you got insurance with a bad roof, there is a chance they drop you if they do find out the roof is bad.
Posted on 3/16/21 at 10:40 pm to armsdealer
Yeah, roofing guy said don’t send them any red flags and only contact current if we get new hail. Guessing the housing market caused them to half arse the initial inspection. Roof looks great from the ground, suspect they never went up top.
Posted on 3/16/21 at 10:57 pm to LSUfan20005
A non-trained person can't tell hail damage at 3' unless it is huge hail
Posted on 3/17/21 at 8:18 am to LSUfan20005
Sounds like you will buy a new roof.
How big is the house?
How big is the house?
Posted on 3/17/21 at 8:30 am to ItzMe1972
Take pictures of your roof before today’s storm if you’re in the areas potentially getting hail so you can prove it was from this storm. Have those pictures ready for a roofer to show the adjuster your insurance sends out.
Posted on 3/17/21 at 9:06 am to ItzMe1972
Feeling that way, house is about 3800sqft two levels.
First quote is pending, but feels like between 12k-16k depending on options
First quote is pending, but feels like between 12k-16k depending on options
Posted on 3/17/21 at 12:11 pm to LSUfan20005
May have busy hurricane season
Posted on 3/17/21 at 1:19 pm to LSUfan20005
quote:I’d guess closer to 20-22k. I don’t know where you are 300/sq seems the going ballpark rate for “steep” roofs. I heard this figure prior to last yrs hurricanes and resulting price increases, too.
First quote is pending, but feels like between 12k-16k depending on options
Sounds like sellers might’ve pocketed their insurance money if they filed a claim.
Posted on 3/17/21 at 3:38 pm to LSUfan20005
quote:
Feeling that way, house is about 3800sqft two levels.
First quote is pending, but feels like between 12k-16k depending on options
FWIW...had someone come out and quote for my moms 2200 square foot ranch style home about a month ago. Pretty straight forward roof probably a 8 or 9 pitch and they quoted $20K plus if things are found after the tear off. I found a messican through my uncle, does work on his rental houses, and had it done for a total of $9k. Sounds like yours maybe more than $20K to me.
Good Luck tho....
Posted on 3/17/21 at 4:56 pm to Notro
Update...
Had a contractor I really trust (rebuilt my last home after a tree destroyed it, did a new bathrooom in this house, etc) come by and take a look. He also does roof replacements and would like the business.
His opinion was, "yes, you have hail damage. Yes, you probably need a new roof soon. But you don't need one badly enough to pay out of pocket."
He inspected multiple areas and concluded that I have at least one year before water intrusion becomes a risk.
For now, waiting unless we get more hail.
Had a contractor I really trust (rebuilt my last home after a tree destroyed it, did a new bathrooom in this house, etc) come by and take a look. He also does roof replacements and would like the business.
His opinion was, "yes, you have hail damage. Yes, you probably need a new roof soon. But you don't need one badly enough to pay out of pocket."
He inspected multiple areas and concluded that I have at least one year before water intrusion becomes a risk.
For now, waiting unless we get more hail.
Posted on 3/17/21 at 6:58 pm to LSUfan20005
There are roof contractors in Baton Rouge who know how to deal with insurance companies. Find one.
Posted on 3/17/21 at 7:42 pm to LSUfan20005
Unfortunately it sounds like you didn’t own the home when it was damaged by hail. A claim would have to be filed under the previous owners policy, which you were not a named insured on. Without being dishonest, I don’t see how you will be able to claim a new roof on insurance.
Posted on 3/17/21 at 7:45 pm to LSUfan20005
quote:
He inspected multiple areas and concluded that I have at least one year before water intrusion becomes a risk.
Hail doesn't cause water intrusion into the home unless it is huge hail that punches holes in the decking. Hail reduces the lifespan of the shingles on the roof, by causing bruising to the shingles that causes the granulars to release from the shingles. Those missing granulars allow sun to reach the fiberglass matting faster, thus reducing the lifespan of the shingles.
Think of granulars like rubber on a tire. Over the course of time, these granulars come off the roof, just like the tread on a tire. If you slam on your brakes while driving down the road, you might have left rubber marks on the road, but the marks on the road didn't reduce the lifespan of the tires by that one action.
Posted on 3/17/21 at 8:03 pm to wickowick
Coming here to write something similar too wickowick.
Insurance pays for hail damage because it lowers the life span of the roof, not because its a threat to leak now. I’d wait it out if you don’t have a leak. I also would not file a claim now because the insurance company will probably deny the claim and document your file that you have a damaged roof. Thus making any future claims on that roof void.
Insurance pays for hail damage because it lowers the life span of the roof, not because its a threat to leak now. I’d wait it out if you don’t have a leak. I also would not file a claim now because the insurance company will probably deny the claim and document your file that you have a damaged roof. Thus making any future claims on that roof void.
Posted on 3/17/21 at 8:14 pm to LSUfan20005
I’m getting my roof replaced next week b/c of a hail storm in August. 12k with new gutter guards. 3400 sq ft home. Certainteed Landmark shingles.
Posted on 3/17/21 at 8:22 pm to Rize
quote:
Just wait until tomrrow and if you don’t get hail beat it with a hammer
FYI- This fraud is really easy to ID
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