Has,
My experience is that when there is hail damage the insurance industry seems to be a little less tight with the check book. I had a client that sustained some pings on the aluminum clad trim. It was almost invisible and certainly not hurt as performance goes. They wrote the check to him and we fixed the worst of the damage (at his disscreation) and I suppose he pocketed the balance. What you say to him will probably have a big impact as to what the settlement is.
kcoyner
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Replies
Joe, I remembered this from an article on foam roofs I read a coupla weeks ago. Here's the only part relevant to you:
"The insurance industry is becoming much more aggresive when it come to reducing hail loss claims. The State of Texas has initiated a program which requires insurers to reduce premiums for home owners who use impact resistant roofing. The current program uses the UL 2218 rating, but individual insurers are going even further. They are studying loss history on various materials including those that are cosmetic in nature (i.e. dents to metal roofing which meet the U.L. failure criteria) but still result in claims.
Insurers in many states have notified homeowners that materials such as wood shakes will be pro-rated at the time of loss, based upon loss analysis."
Joe
I have no experience with a metal roof and hail damage but when my home in the Amanas was hit by hail I was pleasantly surprised by the settlement that I received.
One thing though, if the adjuster tries to say that he/she can see no damage ask them how it did any good! Farmer I worked for in high school always used that line and it worked for him. Just my 2 cents worth.
Doug
if there is visible damage, odds are that there is also functional damage.
The dimpling and stress point thus created are more likely to have weakened the cohesiveness between steel and zinc galvanizing and between paint and metal. That means that you will see it start to show rust five or ten years earlier than otherwise. You might have to google a little to find objective stats and reports backing this up, but that's the way it was explained to me and what I believe.
Get the claim recorded at the very least. me - I would negotiate a settlement ( it will only be a percentage of the roof's value - say 25%) if it were mine and live with it, invest the money in something sure to go up, like oil stocks, and let that fund pay for the new roof when the time does come. Matter of fact, if you can live with the dimpled look and expect more hail in the life of the roof, just keep painting it every five years.
sorry to hear about it - must be discouraging so soon after moving in and all the work you guys are doing on it - along with the son losing his car too. Keep your head down and your butt behind you
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Just think about the dents as giving the roof character.<G>
About one month ago Amarillo, TX had a fierce hail storm with grapefruit sized ones.
It went thru roofs of all kinds, even metal ones, thru the decking and into the rooms.
Left big holes, as our builder told us. Killed one horse.
Now that is a hail storm.
Hey you don't want those people living up hill from you having to look at that damaged roof do you? Wouldn't be right neighborly of you ya know.
I remember one time in Lubbock that I had to run 60-80 feet through the back yard to ge to the storm shelter with golf ball sized hail falling. Had a heavy blanket over us for shield but I still felt like I'de been beat up bad the next day, bruised shoulders and all....
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Taunton University of Knowledge FHB Campus at Breaktime.
where ...
Excellence is its own reward!