House Remodeling Thread (long)

[Tuckervill]

Tulip, call your insurance company and have them send someone out to look at your roof, especially if there have been some storms recently. Could have loose shingle or hail damage, and if so, you should get a new roof.

Karen

[tulip]

My roof is fairly old. I doubt the insurance company would agree that the issue is a new condition (even though it hadn't leaked before the last rain storm, which was really bad in Virginia). I just think insurance companies are out to find reasons NOT to cover repairs. Maybe I'm wrong, but that's been my experience. Is your experience different? Anybody here work for an insurance company who could give the lowdown?

I know I need a new roof eventually, but I don't think the insurance company is going to pay for it. I would love to be wrong, though.

[Tuckervill]

I got a new roof on my rental property because of storm damage.

Any settlement you get would be depreciated, but you might as well give them a call. It doesn't hurt.

Karen

[tulip]

Thanks, Tucker. I think I'll call them. The Governor did declare a state of emergency and all. I'll let you know what they say.

[papaver]

Thanks, Tucker. I think I'll call them. The Governor did declare a state of emergency and all. I'll let you know what they say.

I always say: you already have a NO, but you can still get a YES.

Otherwise what would be the use of having an insurance if you think they won't pay for your damages. Even if they only pay you a couple of hundred dollars, it's still better than nothing.

[tulip]

Hey, I called the insurance company and they said there was alot of damage from that storm and they will send an adjuster out as soon as possible. I would think that I would at least get my ceiling fixed, maybe even the roof repaired. If they want to go above that and give me a new roof--all the better. Maybe it will be all even with the deductible if it's just the ceiling, but at least it's something.

Thank you SO MUCH, Tuckervill, for suggesting that I call them. And thank you Papaver for reminding me that I already have NO all by myself.



Oh, and while I had them on the phone I told them about the wood stove, thinking that would be prudent if I ever needed to call them about any related damage. It raised my premium by $50/year, which is very reasonable. Maybe I haven't been giving insurance companies enough respect.

[Tuckervill]

If they only fix the ceiling, they're not doing their job. They will definitely fix the ceiling, and sometimes they even repaint the whole room. They repainted my whole bedroom once when they just need to fix the ceiling (lightning strike).

You're welcome. I feel like I've paid it forward, because if the neighbor of my rent house hadn't called to tell me about the hail storm, I wouldn't have even known about it to call the insurance company.

Karen