Roof Damage Help .com

Hi,
I had a wind damage. per my request the insurance paid me around $5000 in order for me to fix/hire someone to fix roof due to wind damage. Recently I recevied a letter asking me to prove I fixed the roof by sending them photos, receipts etc.
I fixed everything and have no problem doing that for them. HOWEVER, will they use the infromation to ask me for the difference if say it cost me only $4500?? Are they just confirming I fixed it or do they do it to see how much it really cost me? THANKS.
Thank you both very much for the input!

They are just confirming that you have repaired the damage for several reasons:

1) if there is a subsequent windstorm and you submit another claim they do not want to pay again for the same damage

2) if you did not repair the damage and there was subsequent water damage to the interior — they want to be able to deny the claim due to the lack of repair of old damage

3) having a damaged roof severely increases the potential for any number of claims, fire, mold (only up to a very limited amount), water damage, etc.

The insurance company will not ask you for any difference in the amount paid and the cost of the repair. However, you do need to respond and get this information to them quickly or they will set you up for cancellation for poor property condition because they will assume that you did not do the repair.

I hope this helps. Good Luck

I called a local roofer and the first thing he asked if the roof damage was storm related. I responded that I couldn’t be sure, nor could I prove it. Even though there were high winds over the weekend, the shingles may have just fallen off because of normal age deterioration, and the wind was just a catalyst. He asked for the name of my homeowner’s insurance agent saying he’d look at the roof and maybe he and the agent could "work something out." Now if I get pinched submitting a fraudulent claim, it’s my neck on the line, not his. What should I do?

More often than not your insurance company will assign an adjuster to the loss. The adjuster will be the one who determines the cause of loss, not the roofer. You, however, should be the one who talks to your agent. Don’t let the roofer take any liberties by acting as your representative to your insurance company,……he’s just a salesman/ roof installer. If you have had a significant wind storm or other covered cause of loss you normally have a year to file a claim depending on what state you’re in. If insurance approves the roof replacement under your policy you shouldn’t have to worry about a fraudulent claim because they wont pay for it if it isn’t covered. You are correct in stating that normal age and deterioration is not covered by insurance policies.

there are very small dimples

take it to a body shop and they will get the dents out and have to repaint the top parts of your car.

My home sustained some damaged due to a snow fall back in december. I didn’t file a claim back then and now that I got some shingles damaged due to strong wind i would like to file a claim. I was told that i might need to file 2 seperate claims. Would it make a big difference if i put it all under just one claim instead of filing 2 seperate ones?

If the insurance company knows about the snow damage and the fact that it wasn’t fixed they may not pay for the wind damage. This is because you didn’t take due diligence to repair the original damage. They may deny the claim completely or they may limit the amount of the claim.

Had hail damage done last year. Is there a deadline to file an insurance claim in Minnesota?

When you report your claim, be very clear about the date and location of your vehicle during the hail, so the company can check weather records and verify your claim. It’s usually a good idea to file a hail claim as soon as possible so that your claim can be proved.

This summer I bought a Featherlite aluminum 3 horse gooseneck trailer. It hadn’t crossed my mind that I would have to worry about it structurally with snow until a neighbor, who owns a Sundowner aluminum trailer told me her story.She claimed that several years ago they went into their horse trailer in the winter to get a piece of tack, and found the doors weren’t shutting properly. When they checked they found the weight of the snow on the roof was making the walls spread slightly, which was causing the problem with the doors.
I’ve always owned steel trailers before, and snow build up wasn’t a problem. Here’s my question? Have any of you experienced problems with snow damaging your aluminum trailer? If so, what is the solution? I have no place to put it under roof. And climbing up and knocking off the snow will be tough as it’s very high. Is this an old wives’ tale, or would a reasonable amount of snow cause problems? I live in Alberta, Canada, where we can gets lots of cold weather, but often our total accumlation of snow is under a foot or two, and with our winter winds that snow very seldom gets to build up on roofs.
Thanks for your advice.

If there is enough snow. Snow is deceptively heavy and the weight can cause damage to trailers. The trailers roofs aren’t designed to withstand much load they need to save weight with the roofing so that they can strengthen the floor to support more weight.

Also the trailer loses structural rigidity when its doors are open, so if you see lots of snow on your roof, clear it off before opening the doors. I’ve seen the roof collapse when someone opened the doors to a custom utility trailer with an aluminum roof and steel everything else. this happened with just 16 inches of snow on the roof. If it is less than 8 inches it should not be a problem.

And snow weighs over 5 lbs per cubic foot (can be as high as 6 or 7 lbs/cubic foot) so if you have a 16 foot by 8 foot roof with one foot of snow on it then it weighs over 640 lbs.

Our area was hit by two hail storms this year, one in June and the other in August. Several roofs in our community has sustained hail damage. As a Contractor it has made us very busy replacing roofs. I have noticed a pattern - specifically with State Farm Insurance Adjusters denying their customers claims when other insurance companys pay for damages. There is no question iState Farm is denying paying claims when they should be paying them, and by far is the worst most deceptive company I have observed. Has anyone else had issues with State Farm Insurance?

Sure, with ANY insurance company, you’re going to have complaints.

However.

By a WIDE margin, State Farm insures more homes in the United States than ANY other insurance company. Also, they have the absolutely LOWEST ratio, of upheld insurance complaints, combined, with all the state insurance commissioners (from AM Best’s Review).

So sure, if you have 100 houses in a neighborhood, and 98 of them are insured with State Farm, one with Nationwide, one with Allstate, and ONE of those claims gets denied, it’s most likely going to be the State Farm one. But, if it’s denied because they ALREADY paid for the roof in June, and the homeowner didn’t replace it, well, that’s VALID.

So . . . you have to look deeper, if you want a FAIR answer to that. OH, and I am not now, and never have been, a State Farm agent. But my personal homeowners insurance, IS with State Farm - and that should tell you something.

The House Insurer has agreed damage to my roof is due to high winds, but should I claim from my Car Insurer for the damage the roof-tile has caused to my car’s roof, a very expensive repair? I have my doubts that either of them will be battling for the privilege of paying out to me…ho ho! Thank you for any help. Paul

Your property policy excludes 1st party coverage to your car (just as if your in an accident with the car, your property policy won’t address the damage to the car… vehicle is specifically excluded on the policy). Also, liability coverage under the property policy does not cover your car as you cannot be liable to yourself.

So as others mentioned, homeowners for damage to house roof and auto insurance for damage to car.

I have an 06 Toyota Camry that was damaged in a recent hail storm. Some of the dents popped themselves back out when it got hot outside. I am only left with the bigger dents. Would it be better to let the auto body guy replace the trunk lid the hood and the roof or should I let him just fix them. The ins co gave me 5K to fix it. It would be nice to keep some of it so I can put up a carport to keep this from happening again. Thanks in advance for your opinions!!

Call a dent repair specialist. I think you’re better going that route and I bet they will remove every dent in your car without repainting, replacing or bondoing anything, for far less than $5k.