What is considered a roof damage? - shingles on the hands
I had an insurance rating seem to check on my roof for hail. He said that my roof does not have a lot of hail and a few loose shingles. I had a conctractor on my roof today review and told me that my roof needs to be replaced by the same wind damage. You can increase the tiles in hand with minimal effort, so I think if there are heavy rains and strong winds ... could be the shingles on my roof to break again, or damaging the roof, loose under the shingles.
If the insurance company replace my roof in the wind, even if no hail damage visible?
Friday, February 12, 2010
Shingles On The Hands What Is Considered A Roof Damage?
8 comments:
Dents from hail, small or large holes, depending on the size of hail. Think very hard hit balls on the roof.
How old is your roof? It is very rare to be able to remove the tiles by hand - usually after a few sticks were em-tar "Overall, regardless of rain. Sounds more like he was not bound by the law first. Or then the roof is move quickly to one. When the roof is old and tired, but shingles buckling and pull it up .. I wonder if this is the case? But it would be different tiles.
Wind and hail are two separate events. Normally, when a great storm of wind enough to damage your house, the insurance company mClaims Several sales. Are there any of your neighbors who have suffered wind damage?
Something else to ask. . . Do you have replacement cost on your home or present value, and how old is the roof? The normal lifespan of a roof of asphalt shingles, as part of the country where you are, 15 to 20 years. If your roof is at the end of this time, you can replace itself to achieve.
If I were you I would get at least two other roofers and their views and opinions. Something has to be seen, the contractor will, oh yes, your policy will pay for it. Then add the roof. . . Your application is denied for any reason (usually because it is just an old RGee, and saw) in my experience, it is the satisfaction of claims by contractors anyway. . . lein blow a mechanic at home, or offer "finance" with 25% interest or something terrible like. . .
if the evidence that what happens after strong winds. If this is on normal wear, not to replace it for you.
if the evidence that what happens after strong winds. If this is on normal wear, not to replace it for you.
You should check with the experts who have rejected the request, and ask if you need to submit an additional claim. In addition, a call to your insurance agent and ask a follow-up with her. That's what they are paid.
If you have an insurance policy online, you should call your number of online complaints and ask the operator. Most insurance companies will pay for wind damage, providing that it was caused by an event was.
If the damage was caused by a long period, you can refuse to pay because it would be as a maintenance problem. As owner / policyholders, it is their responsibility to keep your home and avoid unnecessary damage.
I am an entrepreneur and most insurance companies are not against the replacement of a roof because of damage to all that can be done by a bad roof. You may need 2-3 Roofers provide written statements about the extent of the damages received to its recommendations and estimates. Then, submit to your insurance company.
The answer is: It depends. Is I'm not kidding [full'm Insurance Lawyer] The first depends on your particular policy. You should read it. Second, we must interpret it, how important are concepts defined in the section on definitions. Finally, you must gather the facts, the [] of the IE evidence that the application and interpretation of relevant policy support.
Another problem is that insurance does not pay to avoid damage, you pay for the damages.
We could try to argue for a reduced premium if you get a little chance to your needs.
You can also hire a lawyer who is in the fight for insurance coverage specializing in a DJ - Statement of Action - for the courts to declare that This loss covered by your insurance. namely, the recent call of some insurers to cover losses from Hurricane Katrina.
Good luck!
Normally, when you lift the tiles in your hand and are not cracked and broken, took the results of age and custom. many airlines say that if the shingles are closed, and the wind was strong enough to break the seal of the tiles, which would have pulled out all the pebbles. If you have not seen hail damage .... its just stuck with an old roof. You may need a new roof .. But this does not mean that covered because of a loss, and if the insurance does not pay
I had this problem with wind damage (by a tornado is) coming on my roof. The insurance company said the roof was older and not be replaced by the wind. If you have a receipt when the roof was finished, I would be a negotiating point.
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