Roof Damage Help .com

It’s been raining a ton in my area and my roof has leaked BAD in many areas of my house. Some electrical circuits even went out. There is major damage inside one room due to the heavy rains. My insurance company has stated my policy doesnt covere regular rain damage. Anything I can do to persuade them to change their mind?

Hi there,

I feel for you. If there was recourse…. I sure would have been first in line.

Same thing happened to me last year. We had several days of bad rain and my roof started leaking into the house. I have a huge 18 foot ceiling and I knew that it was going to cost a fortune to get it repaired and repainted. My roof was less than 8 years old and the shingles had been loosened in a few of the areas - where the leaks were happening - so I thought the inside damage should be covered.

I called the insurance company and they sent someone out to make a claim. He looked at the roof and saw the loosened shingles and make his report. A few days later, the insurance company said that since the shingles had not been RIPPED completely off by the wind that the damage was not covered. I had a conniption fit!!! I called many times to complain just to have my words fall on deaf ears.

I don’t know what the heck people spend $$$$ of dollars on insurance for if when you need it, your property is not covered. I believe it is a scam but there is nothing we can do. The policy says water damage due to wind tearing off the shingles. Here is some hind sight… next time you get a wind storm… get on the roof and tear off your own shingles.

Please…. don’t get me started

Our rental house in Houston was damaged in Hurricane Ike. We don't own this house because we are investors; we were simply relocated by my husband's company and we couldn't sell the house for what we needed to pay off the mortgage. We have a insurance company known for being generous and taking care of its customers (USAA), so when they wrote up the claim it was no surprise that it was more than expected. They thought the whole roof needed to be replaced and that the work would cost a lot more than it did. Our reliable home improvement guy there told us that the he didn't think the roof needed to be replaced so we had him do the necessary repairs to the roof and inside the house along with hiring a remediation company to come and dehumidify the house and remove any water damage. It has been 2 1/2 years since we moved out and our renters were moving out in January so we decided to use the rest of the money to upgrade things in the house for a quick sale and use the rest to pay the note while it was on the market. Now we have a potential buyer and they are demanding the insurance claim papers, first of all did we do anything wrong? Second, am I required to hand those papers over? If we are, then we will have to have the roof replaced with the rest of the money and foreclose. We won't be able to afford any items someone might have on their repair list from their inspection of the property and we won't be able to pay the note. Please any advice…and don't bash us we truly didn't know, until now, that it might not be okay. We were just trying to not foreclose.
Well, duh…that is what we realized it would come across as if we didn’t show it. Hence why I asked the question. You did not answer the two questions I had. Again, duh, I know our house isn’t the only one for sale. If you can say something helpful don’t bother replying.

First, you did nothing wrong. Second, you are NOT required to hand those claim papers over, BUT, be aware that when the buyer goes to get HIS insurance on the house, YOUR CLAIM will be reported to his new carrier, and they might likely refuse to insure the house for him, without that information.

That means, the sale will fall through.

When they DO look at those papers, they'll see that the roof was NOT totally replaced - meaning, the new insurance company will require, most likely, the new buyer to do that work, within 30 days of closing - or refuse to write their insurance. That means, the sale might fall through, OR, your selling price will be reduced by the cost to replace the roof.

The problem is, insurance companies all share claims info. And if the new buyer is going to have a mortgage, then they'll NEED insurance, and the new insurance company is going to want all the damages that were PAID for, to be DONE, regardless of which insurance company it is.

Advice: I think you're going to have to lower that selling price at the closing, by the estimated cost of all those repairs.

http://www.HomeRestorationsMD.com

Another Home Restorations video showing how incorrect nailing by the homebuilder eventually resulted in wind damage to a customer’s roof in Waldorf, Maryland.

Improper nailing by inexperienced roofers almost always results in unexpected damage.

Home Restorations (www.MdRoofingServices.com) explains how using proper nailing techniques and high quality sealant, like Geocel Tripolymer, we restore and improve the existing roofing system.

Many roofing companies would recommend a new roof in this situation; however Home Restorations has put the customer in a position to repair the roof so it will last many more years and save the homeowner Thousands of Dollars in unnecessary roofing expenses.

Stay tuned for video part 2, which will show the actual details of the shingle roof repair, or come see us at http://www.MdRoofingServices.com.

Duration : 0:1:40

(more…)

Technorati Tags: Maryland, Md, repair, Roof, ROOFING, shingles, Waldorf

Hurricane Ike blows through the apartment complex and destroys the pool area in 77008. Houston storm damage.

Duration : 0:4:6

(more…)

Technorati Tags: damage, hurricane, Ike, powerful, rain, storm, WIND

how can a boring week be so crazy

Duration : 0:10:1

(more…)

Technorati Tags: adivin, auditions, chantix, college", quit, rain, Roof, smoking, weather

my insurance policy was charged with depreciation on roof damage which resulted in me not having enough to cover both materials and labor. I have 7 seperate policies with this company.

The initial check is charged with depreciation, to use your phrase. If you have replacement cost coverage, and you insured your house to full value (ie, no coinsurance penalty applies), then after the roof is actually replaced, they give you back the amount they originally took out for depreciation.

Your agent can explain this to you. You should be talking to them about it.

I am currently displaced from hurricane Ike. I can only stay in the hotel a couple of more weeks. My apartment is destroyed and I have been asked by the apartment owner to have my belongs removed by Sept. 28 (however all my personal property is destroyed). FEMA came out to inspect and reported that my place is still livable. If that is so why is water pour from my ceiling, how come I can see the sky from inside my apartment? How come the Apartment manager is asking us to leave? The man from FEMA who came to inspect was rude, cruel, and was conducting personal business over the phone more than once while taking care of my claim. FEMA will not help me and my insurance company ALLSTATE is giving me the run around stating I must go through TWIA, when I contacted TWIA they claim my ALLSTATE policy number is no good. WHO CAN HELP ME? I am a college student whose classes resume on Sept. 25. However I am not emotionally or physically able to return to school due to the fact I am over 150 miles away, and when I do return to my area I will have no place to dwell. Does anyone know who can help me?
Yea I know right… to answer your questions, yes I have renters insurance however they too are giving me the run around. As far as my parents…they are not longer with us.

I’m sorry, but you don’t live in New Orleans and you’re not Black. No one cares about you. (This is sarcasm. I’m sorry for what you’ve had to go through and because you weren’t foolish enough not to leave when you were told and didn’t have to get rescued by the Coast Guard while waving frantically on your rooftop, the media has forgotten about you. Good luck. I hope someone can give you the answers you need.)

From the television coverage, it’s hard to get a grip on the overall damage of hurricane Ike on Galveston and the Texas coastline. In some shots, it looks like there is nothing left standing, but what was there in the first place? Some television reporters talked about the whole side of a Holiday Inn coming off. What kind of structures survived the storm? What lessons have been learned about how to build structures that have a better chance of withstanding the wind and water surges.

Go to http://www.click2houston.com. There is comprehensive coverage of the areas that have been damaged. There are three videos taken from a helicopter showing 1. The Seawall and other parts of Galveston including UTMB and Pelican Island, 2. The West End and 3. Bolivar Peninsula, which was hardest hit. The "Downtown" video is of Downtown Houston. There are also many slide shows covering Kemah and other areas. There are a couple of other videos driving through the West End. There used to be a video driving and walking along The Strand, Harborside, Broadway and other areas of Galveston, but I can't find it now. Anyway, the website is very informative, and I highly recommend it.

Modern building techniques have shown that it's possible for these buildings to withstand wind and water surges, even if built right on the Seawall. That is shown very clearly in the Seawall video. The Balinese Room and Murdock's were destroyed because they were on on piers in the water, but I'm sure they will be rebuilt. They're too famous not to be!

I lived in Galveston for 10 years, and love every building on the island. The residents are very upbeat about rebuilding, and are estimating that they will be up and running by next summer, or even earlier. I hope that's true. They are very hardworking and enterprising people. I'm going back for the Dickens on the Strand in December, even if it's not totally back. I went to the first Dickens on the Strand held in Galveston in 1974, and will go to the first one after it's rebuilt! Mardi Gras will be held in Galveston in February, and the citizens are getting ready for that, too!

The house is single story, about 1300 square feet with a low pitch. The roof has the original composite shingles that are in decent shape with no folding, tearing, no missing shingles, etc. I plan to leave the original shingles and have new shingles placed on top of the existing layer.
The house is located in Oklahoma not too far from Ft. Smith, AR.

Your second answer was corect for the most part especiallyy about 3 estimates. You may find a wide range of estimates, what you need to do is amke sure they are all giving the same estimate for the same material.

25 year shingles vs 40 year shingles
plane 3 tab vs arcatechual.

Tear off of old shingles vs leaving them (like you want) - If you only have 1 layer on your roof most (not all) places will allow that, a quick call to your local building inspector can confirm that.

You have 1, 300 sq ft house and that means about 1,500 square foot roof. or 15 square of shingles required at between $39.00 to 75.00 a square, ($585 - $1,125)

Instalation will vary area to area but count on at least $800 for labor (if no tear off).

Plus ridge cap and any gutter work.

Hopee this helped.

Is there any sealants that I could put on or around the shingles?

Depends on the damage to the roof. If the damage is superficial, then roofing tar will work but if shingles are off and tar paper is missing, you may need to replace those items as well or you will have interior damage to your house every time it rains. Also if possible, make sure it is not a nail hole causing the leak if it is a small area for a long time.