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?

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.

:et’s say there is hail damage to your roof and you file a claim. The insurace company estimates your losses at $10,000 and cuts you a check for that amount. You get it fixed for only $5,000. Can you just keep the remaining $5k? It might seem like a silly question, but it seems too good to be true. Thanks!

Be very careful. If you had a legitimate estimate from an approved contractor and then decided to do the work yourself instead, you might get away with it… but it won’t necessarily be easy. Let’s say you or whomever you hire doesn’t do a great job on the repair - and it leaks or fails again. If you call the insurance company, they’ll have a record of your past claim, and if the work wasn’t done to specifications, they’ll want to speak to your contractor… and it won’t take long to figure out you pocketed the extra. Depending on how the company decides to look at it, you might be on your own for the next repair or you could even be considered guilty of fraud.

Whether you decide it’s worth the risk is up to you… just know what you might be getting yourself into.

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.

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.

Alot of my neighbors are having their houses resided and roofed from hail damaged. I had my house inspected too, and they did find damage as well. I am worried about claiming it because I don’t want my rates to increase. If I don’t file a claim will my rates still go up because many of my neighbors have filed a claim to pay to have their homes done?

you need to have the roof fixed to prevent further damage and leaks in the future. if you claim later damage such as a leak and the insurance company inspects (and they will) and they find out you had prior damage and did not fix they can and probably will deny the claim. it is your responsiblity to maintain your home. if this is the only claim you have made in the past 5 yrs your rates will NOT be affected. home insurance is not like auto insurance. it does not go up everytime you make a claim. home insurance looks at the amount of claims and claim frequency. if you make a lot of claims then the company is more likely to drop you and you will have a harder time finding coverage. the only time you are looking at a problem with home insurance is when you have many claims in a 3 -5 yr period.

Severe enough damage that we have to replace the roof and some of the doors. I have to call the tenants of each of these units and let them know what we are doing and when. I also have to request keys to the doors that we have to replace.

I need help with what to say to the tenants so that they will feel comfortable and secure. The roof will be replaced one day and the doors the next so some of these tenants will be opened twice.

If you had stuff in storage and repairs needed to be made that would require opening the unit up what would you expect from management? What should I say to the tenants?

FYI - We do have the legal right to open the units to make repairs and the repairs are necessary to protect the tenants stored items from water damage.

I think most of the tenants will be just fine and cooperative but there are always a few who will complain even if its for their best interest. So I could use some ideas.

Thanks

Hello, this is _____ from really awesome storage units, how are you? I am calling to inform you that recently we had a bit of property damage and we felt it would be nice to inform you that this damage was severe enough to force the need to replace the roof and some of the doors. We will be doing these repairs on ____. (this portion is applicable only to those who are applicable) We are replacing the door and sequentially the locks as well. We have your key at the desk available for your pick up at your earliest convince. All of your belongings have had no damage, the only change is the roof, door and key.

Thank you,

Super awesome storage units.

I purchased a foreclosure on August 29th. After we had done a final walkthrough. Once we moved in we realized that there was hail damage to the roof from August 26th, (our new neighbors told us a hail storm came through) We had the roof checked out and sure enough the roof was damaged. (Not visible from the ground or at walkthrough) We contacted the Mortgage company’s insurance, they came out and assessed it and aproved a payment for repair. Now the mortgage company is refusing to pay, they are keeping the money to cover what they lost in the short sale on the foreclosure. Is this even legal?

I had an inspection prior to the hail storm. I did not know a hail storm had came through until I had moved in and found out from the neighbors. There was noone living in the house so the sellers were not aware of the storm either. During the walkthrough there was no way from the ground I could tell there was any damage to the roof. Even when up there recently I was unable pointed out to me

No it isn’t legal, since the approved payment for the repair, but you need an attorney specializing in real estate law. Don’t attempt to do this yourself, you will get nowhere.

They sent check for $5000 and will send $4000 more when work done. Roof will be $3500, siding not too bad. They want itemized bill for second check. Can I use the $1500 and forget about requesting 2nd check?
The check did not include mortgage co. This isn’t considered fraud, is it? I am getting the roof fixed and really need $ bad, siding is lower priority.

This isn’t fraud.

But it’s going to be a problem with your insurance company - leaving unrepaired damage (the siding) can jeapordize the way your house holds up to OTHER weather damage. Also, they’re going to know it, because you’re leaving $4,000 on the table.

They can cancel or nonrenew your policy, with the unrepaired damage - AND, don’t forget, that if something ELSE happens to that siding, they’re not going to pay for it a second time. That includes fire damage to it, or more hail, or whatever.

It could end up burning you in the long run.