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re: What's the point of paying for 35 year rated shingles if the insurance company won't...

Posted on 6/15/24 at 12:47 pm to
Posted by Tree_Fall
Member since Mar 2021
541 posts
Posted on 6/15/24 at 12:47 pm to
quote:

don't make a 35 year shingle anymore


First time I put a roof on a house in super-hot Baton Rouge, the house was only 12 years old. The roofer said that builder had used OK shingles but low-quality underlayment. He advised me that "35-year" shingles had some benefits, but actual longevity wasn't one of them. Due to extreme attic heat, I should be happy with 15 years. That roof lasted 20 years and numerous storms.
Posted by Czechessential
Member since Apr 2024
1437 posts
Posted on 6/15/24 at 12:48 pm to
quote:

He lives in North Texas. Don't think he's worried about hurricanes.


good thing he doesn't have to worry about tornadoes either
Posted by greenbean
USAF Retired
Member since Feb 2019
4878 posts
Posted on 6/15/24 at 12:52 pm to
USSA pays out the "un-depreciated" replacement cost of a roof.
Posted by Jcorye1
Tom Brady = GoAT
Member since Dec 2007
71916 posts
Posted on 6/15/24 at 1:02 pm to
quote:

My insurance 100% depreciated my roof because it was 20 years old.

It didn’t leak. It was fine. I only had to replace it because 2 fricking trees fell on it.

I’ll always replace my roof around 8 years now.

I hate insurance.


Sorry this is ridiculous. Your roof was 20 years old, did you expect a ton of money for it?
Posted by Finch
Member since Jun 2015
3305 posts
Posted on 6/15/24 at 1:06 pm to
quote:

I recently had a roof replaced.. here is what happened… Had hail damage and older shingles .. they were 30-35 ( architectural).. insurance company said yup hail damage.. so we will replace them but take off some wear and tear value if shingles.. ( I do not have 100 percent replacement insurance.. as most do not do that for roofs anymore).. anyway they gave me the cost of .. ripping off old roof.. taking down gutters.. putting gutters back up… new underlay.. new venting.. hauling stuff away.. new shingles ( at a depreciated cost ).. When all done the cost of all the activity plus 50 percent value of new shingles ended up pretty significant.. even if they depreciated the value of the shingles and you get them to pay for all the other stuff it is worth trying.. So 35 years gives you a few more years to argue with them ? Fwiw … I did not expect my insurance company to give me anything..


Can’t you talk with the roofer and tell him he can have the job if he I’ll do it for whatever the insurance pays or do they wait until they get his bill and go from there?
Posted by CaptainsWafer
TD Platinum Member
Member since Feb 2006
58444 posts
Posted on 6/15/24 at 1:09 pm to
Insurance does not cover maintenance or preventative measures. Not hard to understand.
Posted by Deez Pecans
Mandeville
Member since Dec 2023
28 posts
Posted on 6/15/24 at 2:40 pm to
quote:

The issue is that I don’t own my house.

I have a silent partner called a mortgage company that allows me to rent the house on terms they dictated when I needed a loan. In return they allow me and my family to live their house provided I pay the monthly rent to them. The contract I signed with them requires me to keep insurance on their asset.

Once I pay it off and I actually own the house then I can choose not to participate in the “insurance scam”.


Please accompany me to all of the parties
Posted by Deez Pecans
Mandeville
Member since Dec 2023
28 posts
Posted on 6/15/24 at 2:43 pm to
quote:

USSA pays out the "un-depreciated" replacement cost of a roof.


Make sure you check to see if you have the lower deductible. There are two percentages they offer. The lower one is not that much more expensive but the payout is a big difference
Posted by billjamin
Houston
Member since Jun 2019
13194 posts
Posted on 6/15/24 at 2:45 pm to
Those warranties are useless and the insurance companies know it. One of the first finance deals I ever worked on forever ago was underwriting loans for roofs and the manufacturer couldn’t provide warranty claim data because it didn’t exist. They just laughed and said, yeah that never happens. Then we had to figure out how to capture the liability that only exists on paper but not in reality. Fun times.
Posted by greenbean
USAF Retired
Member since Feb 2019
4878 posts
Posted on 6/15/24 at 3:25 pm to
quote:

Make sure you check to see if you have the lower deductible. There are two percentages they offer. The lower one is not that much more expensive but the payout is a big difference


On my rental property I have the one percent deductible. $1k deductible on my personal home. USAA is high, but they pay well. Two years ago they paid to replace my roof, no questions. My neighbors with State Farm had to fight them for months.
Posted by Martini
Near Athens
Member since Mar 2005
48914 posts
Posted on 6/15/24 at 5:08 pm to
Shingle warranties are material only and mostly for manufacturers defects.

Nothing related to workmanship or application and they are depreciated.

I think only GAF offers a complete No Dollar Limit warranty and that is using a certified contractor, all of their accessories including underlayment, flashing and sheet metal and installed per their manufacturer specifications including nail pattern and type of nail with only a limited amount of their shingles eligible. In addition you pay for the warranty per square and it’s not cheap.

The basic difference between say a 3 tab, a 20 year architectural and 30-35 year shingle is thickness and more ceramic granules.
Posted by Trevaylin
south texas
Member since Feb 2019
6209 posts
Posted on 6/15/24 at 5:58 pm to
Your neighbor with the red tile clay roofing. Worst decision in a hurricane for the neighborhood as each of the thousand 2 pound tiles become airborne .
Posted by DCtiger1
Panama City Beach
Member since Jul 2009
8958 posts
Posted on 6/15/24 at 6:02 pm to
GD this guy gets it. Kudos to you for not blaming everything on others
Posted by kciDAtaE
Member since Apr 2017
16103 posts
Posted on 6/15/24 at 6:15 pm to
Did you try SageSure? They just insured a 17 year old roof for me.
Posted by Thecoz
Member since Dec 2018
2700 posts
Posted on 6/15/24 at 6:53 pm to
“ Can’t you talk with the roofer and tell him he can have the job if he I’ll do it for whatever the insurance pays or do they wait until they get his bill and go from there”

Sorta . but be careful.. this is what all roofers want.. they really want you to sign over negotiations to them and they will do it for free ( or just a few bucks) so what they immediately do is upcharge everything.. then “find” lots of stuff to charge even more..and soak your insurance company..they can not do it for “free” anymore.

They will put on the lowest quality everything if you go this route..

Fwiw.. I had my adjuster come out and give me what they would pay.. the insurance gave me over 16 k to put on a new roof.. I had two bids they were both under 16 k and I put on new high quality architectural shingles etc..

I made up the difference in the depreciation the shingles in places like gutter removal and rehang.. I have leaf guard gutters.. they are installed and a way that the do no impact roof changes.. I made a few k right there.. the insurance company gave me money but when I contacted leaf guard to have one of their guys take them down and rehang they said why do you want this..
I had some sky lights on my patio cover they paid to replace.. I did not want that anymore and had it bedecked and roofed…
Posted by jafari rastaman
Member since Nov 2015
1924 posts
Posted on 6/15/24 at 7:03 pm to
quote:

Any honest roofer today will tell you that they don't make a 35 year shingle anymore. Oh, they will sell you a shingle that they say is a 35 year shingle, but it is not comparable in any way to shingles 20-30+ years ago.


Is this a result of some kind of Joe Biden environmental policy?
Posted by dkreller
Laffy
Member since Jan 2009
30962 posts
Posted on 6/15/24 at 7:20 pm to
quote:

good thing he doesn't have to worry about tornadoes either

Well if a tornado hits his house, the roof will be a half mile down the road regardless of age.
Posted by Purplehaze
spring, tx
Member since Dec 2003
1896 posts
Posted on 6/15/24 at 8:01 pm to
I replaced our roof in Spring, TX just north of Houston after Hurricane Ike in 2008. Insurance paid for it. Roofers then told me that the alleged 20 shingles might last 12 years. The 30 year shingles might last 18. I got the 30 year shingles and so far it is in good shape.

We do pay someone to get up on the roof yearly to blow off pine needles and leaves.
Posted by MsState of mind
State of Denial
Member since Aug 2013
2654 posts
Posted on 6/15/24 at 8:13 pm to
I won’t speak to north Texas but coastal homes roofs lifetime are twenty years or it’s metal. The heat, wind, and humidity kill them. Mine is 17 years and showing signs of granular loss and brittle as hell
Posted by couv1217
Baton Rouge, LA
Member since Sep 2007
3346 posts
Posted on 6/15/24 at 8:27 pm to
There is no difference in years of shingles. Until you upgrade the core/class don’t get got by shady sales guys selling 20, 30, 40 year shingles
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