Roof Damage Help .com

I had some hail damage to my roof a few years back and I claim it with my homeowners’ insurance, but the guy that inspected my roof said it wasn’t anything wrong with my roof, although by observation, there clearing is. All my neighbors in my neighborhood got money back for roof damage from their insurance. People told me to get a laywer, but I didn’t persue it because I was afraid I would be dropped. Now, a couple a years later, I have tree limbs that feel on my roof due to a snowfall and the tree limbs freezing. I want to try to claim roof damage again, but I am afraid too. Is there a statue of limitations on filing a claiming. Should I even try and if I do and get denied, should I get a lawyer?

Do you have roof damage from these limbs?

If they just scarred the shingles there’s no claim. This is what may have been the case the last time you had it inspected and if there does happen to be damage your company may require that the funds be spent with the contractor where they send out an inspector to make sure the damage was repaired before they will release all or part of the money. They’re doing a lot of that today.

One of the requirements of your policy is that you do everything you can to protect your home in the event of damage, then notify the insurance company at the earliest possible opportunity then they give you a time limit for reporting a claim. This time limit will be listed in your policy.

Ok for the details. This is a 1979 Dodge Lil Red Express truck. Years ago it got nailed in a hail storm. Basically the body looks like someone played drums on it with ball peen hammers. I realize there are paint less dent removal techniques. Now that I do not know the tricks of the trade so to say.

I am getting ready to re-store this thing and there is no way I can afford to pay a body shop $75.00 per dent or more. Also changing the cab is not an option. I am a technician, mechanical, so the wrench stuff is no big deal. It is the body work that I need help with. I looked around on the net and have not found a whole lot of info on this. It is almost like it is a close guarded secret. Bondo is also not an option.

I have peeled body skins off before, but there is also another issue. The driver side A pillar was never formed properly. While this may be a topic of conversation, it has filed down the drivers side door edge where it closes and seals. The grove isn’t even from the top down for the door to close into.

So with the hail damage, roof skin remove and replace and the pillar repair issue can anyone give me some advice?

personally I would look for another vehicle to work on, rather than on an old Dodge pickup

you should ponder this question: will the end result be worth the time and money you just invested into it?

How would i learn how to deal with insurance companies to pay for roofs for people when there is storm and whether damage to their roofs.

Insurance companies will use only a pre-approved pool of contractors. They either send out their own loss adjusters, who will then go out and determine what should be done. Then they give the jobs to the people on their books. You would typically need £10m liability insurance and have to adhere to codes of conduct and do everything by the book. Roofing would often mean that the people living there may have to be accommodated in a hotel, so they would wnat speed and quality and not a one man band that can not complete the work if he gets ill or something.

Secondly they may use a private loss adjuster. This guy will typically know all about the insurance companies and how they work. The clients will sometimes be told by the insurance co to get three quotes from an approved contractor. They find this guy in the Yellow pages. He goes out and then does all the paperwork and gets anybody they want to do the work. They take the risk though. I used to do lots of work for this type of guy, but they always get a lot more than the contractor, but then again they take the risk.

Despite running 40 employees and excellent credentials, we could never get into the big insurers.

Competition is very tough as well now given the current climate. Insurance clients are informed that the roof costs say £20 000 to fix, you know you are only getting £6 000 and the clients often want you to do little extras and shaft the insurance. They are also of the opinion that a claim is a chance to get even with the insurance.

I stopped this kind of work, because the loss adjuster always made the money.

We had a huge hail storm in Oklahoma last year two months before we bought our new house. My insurance company put a new roof on the house we sold. We moved into a new house a few miles away. The inspector said there was no roof damage. After moving in, we notice that everyone on our street is getting a new roof. After meeting the neighbors, we find out that the previous owner collected almost $12,000 from her insurance company for a new roof and did not disclose it. I found information that supported that on my C.L.U.E report. Too bad I didn’t know about that report earlier.

We went to mediation with the previous owner and unfortunately, there is a statute in Oklahoma that says she does not have to disclose damage she found out about after the contract was signed. She called her insurance company to open a claim on the day the contract was signed. Does that prove she knew there was damage?

We are in the middle of suing the inspector and it looks like there is a possibility he could get away with it if we cannot get one of the roofers to sign an affidavit that the damage was obvious and the inspector should have caught it. Three roofers inspected our roofs and no one is calling me back. It seems like they do not want to get involved in a law suit, which I understand.

I am so frustrated. We did the right thing by fixing our old roof on our previous house and our insurance isn’t going to fix another one. What do we do? We’ve already had a leak in our living room. The house isn’t even 2 years old. The cost to replace it is about $18,000. Help!
My dad is our attorney. He does not specialize in this sort of thing, so I’m not sure it’s getting the attention it needs.
Thanks everyone for your advice. The hail storm and tornadoes occurred on February 10, 2009. The contract was signed on March 3rd, inspection was done on March 23. We closed on April 2nd. She called in the claim to her insurance company on March 3rd and had received the check for almost $12,000 prior to closing. Her insurance company does not require the check be made payable to the mortgage company also.

We had three roofers inspect the roof at the beginning of May. All of them said the roof needed to be replaced along with new guttering and air conditioning coils. We also had a friend that is an insurance adjustor come out and he said the same thing. Wouldn’t that be obvious to the inspector? The inspector wrote in the report that he walked the report. I even questioned him after he told us the roof was fine and he said he saw no problems. It was our realtor’s inspector.

In Texas our disclosure laws are part of the consumer protection laws. So your situation would be as if a food canning company found out after they sold the product that a poison had seeped in. Of course they would need to recall the product and try and save lives.

Our sellers have to disclose everything they know about no matter what. I would double and triple check the data you have been told and see if it really is true- it does not sound right.

Also if they received money from the insurance company and did not do the repair and did not inform you of the problem that is probably not fraud but it may be something close to insurance fraud.

I doubt the inspector is your best bet of getting coverage. It is possible that immediately after the hail storm the damage was not easily apparent until a little more weather shook the loose gravel off the shingles.

I had a company come out and quote me 2000.00 for about 1200sq ft. so i figured i’d rather do it myself. The roofing is about 25yrs old, not too mossy but there is some water damage.

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If you can get a skip close enough to you house, you could hire a uload skip throwing the tiles straight into the skip saving picking the tile up off the ground, in the pass we have used a sheet of metal roofing for a makeshift ram but this works better for tiled roofs.

How can we do water damage repair after flooding and leaking the pipes and roofs?

You will need to dry everything before you start the repair process. of course you must stop the water from coming in by repairing or replacing the roof. Then repair all pipes. The fastest way to dry it out is to remove some drywall and place high speed fans throughout the home. Remove all carpets that are effected as well as the padding. Take all soiled and wet items out of the home for drying. It takes a lot of hard work and should be left to the Professionals.