Comments on: Hail damage and Insurance Claims http://www.insuranceyak.com/hail-damage-and-insurance-claims/ Insurance discussion and general information Sat, 11 Sep 2010 01:07:40 +0000 http://wordpress.org/?v=2.2.2 By: TLW http://www.insuranceyak.com/hail-damage-and-insurance-claims/#comment-11806 TLW Fri, 10 Sep 2010 18:03:37 +0000 http://www.insuranceyak.com/hail-damage-and-insurance-claims/#comment-11806 Had alot of hail damage to my 10 yrs old roof, 20+ yrs old alum. siding, window screens, and gutters. What is the average amount most insurance companies give for such damage? Bc contractors have given us some prices on how much to replace it all and it is a BIG number. Had alot of hail damage to my 10 yrs old roof, 20+ yrs old alum. siding, window screens, and gutters. What is the average amount most insurance companies give for such damage? Bc contractors have given us some prices on how much to replace it all and it is a BIG number.

]]> By: Mark C http://www.insuranceyak.com/hail-damage-and-insurance-claims/#comment-10436 Mark C Mon, 23 Aug 2010 02:07:06 +0000 http://www.insuranceyak.com/hail-damage-and-insurance-claims/#comment-10436 Rich, they do have to get you to prehail condition, problem is the damage needs to be alit more than your deductible. If a new roof has 10 hits, what us the rest like, screens, garage door, gutters, metal on the roof, fence. Have a bbb roofing company come out to check your property, including the roof, if they think it should be replaced, call them back out and have your roofing contractor meet the adjuster. Rich, they do have to get you to prehail condition, problem is the damage needs to be alit more than your deductible. If a new roof has 10 hits, what us the rest like, screens, garage door, gutters, metal on the roof, fence. Have a bbb roofing company come out to check your property, including the roof, if they think it should be replaced, call them back out and have your roofing contractor meet the adjuster.

]]> By: Mark C http://www.insuranceyak.com/hail-damage-and-insurance-claims/#comment-10435 Mark C Mon, 23 Aug 2010 01:59:34 +0000 http://www.insuranceyak.com/hail-damage-and-insurance-claims/#comment-10435 Yes, slate can be damaged, get a company that does slate roofs to inspect it, don't get just anybody. They should come inspect it for free.. Thanks Mark C Yes, slate can be damaged, get a company that does slate roofs to inspect it, don’t get just anybody. They should come inspect it for free.. Thanks Mark C

]]> By: joyce http://www.insuranceyak.com/hail-damage-and-insurance-claims/#comment-10312 joyce Sat, 21 Aug 2010 00:26:34 +0000 http://www.insuranceyak.com/hail-damage-and-insurance-claims/#comment-10312 Can hail damage a slate roof??? Can hail damage a slate roof???

]]> By: rich http://www.insuranceyak.com/hail-damage-and-insurance-claims/#comment-8744 rich Sat, 03 Jul 2010 14:22:06 +0000 http://www.insuranceyak.com/hail-damage-and-insurance-claims/#comment-8744 Hello I recently replaced my roof. We had a hail storm. That left 10 strikes on the roof. Adjuster said not enough damage and would not buy the roof. I'm told hail will void the shingle warranty. Does the insurance company have to replace the roof to pre-storm condition.... with shingle warranty intact? Only one year old Hello
I recently replaced my roof. We had a hail storm. That left 10 strikes on the roof. Adjuster said not enough damage and would not buy the roof. I’m told hail will void the shingle warranty. Does the insurance company have to replace the roof to pre-storm condition…. with shingle warranty intact? Only one year old

]]> By: Ernesto http://www.insuranceyak.com/hail-damage-and-insurance-claims/#comment-8509 Ernesto Tue, 22 Jun 2010 00:17:19 +0000 http://www.insuranceyak.com/hail-damage-and-insurance-claims/#comment-8509 Separate storms, separate claims. You can recover from both companies. Separate storms, separate claims. You can recover from both companies.

]]> By: Nick Economas http://www.insuranceyak.com/hail-damage-and-insurance-claims/#comment-8506 Nick Economas Mon, 21 Jun 2010 15:57:32 +0000 http://www.insuranceyak.com/hail-damage-and-insurance-claims/#comment-8506 2 storms 2 insurers: If I sustained total-loss damage in a hail storm under one insurance carrier, then experienced hail damage from a second storm while under another insurance carrier, and before the roof was repaired from the first storm, can I recover from both insurance companies? 2 storms 2 insurers: If I sustained total-loss damage in a hail storm under one insurance carrier, then experienced hail damage from a second storm while under another insurance carrier, and before the roof was repaired from the first storm, can I recover from both insurance companies?

]]> By: MommaG http://www.insuranceyak.com/hail-damage-and-insurance-claims/#comment-7827 MommaG Tue, 27 Apr 2010 12:44:56 +0000 http://www.insuranceyak.com/hail-damage-and-insurance-claims/#comment-7827 We had a hailstorm of golfball size. My houe was pounded the worst because of the position it sits within our court. All my neighbors are getting complete roofs and siding. My adjuster is offering my 1/2 a roof and 1/2 the house sided. Said that Itel matched siding up. My questions are as follows: 1> 2 years ago I had Hurrican Ike damage to the roof. They only offered me 1/2 a roof back then. I didn't want to mismatch my roof so I only had it repaired and patched. Can the insurance company hold back 1/2 a roof now because I didn't totally replace the 1/2 roof two years ago? They are saying they are deducting this amount. My contractor stated hail damage is different than wind damage and thinks they should give me funds for a complete roof. 2> Just how accurate are Itel matches? This is one of those companies that put a piece of your siding through their "lab" and spit out the manufacturer's name and if the product is available. I am having a hard time believing my 26 year old aluminum siding is still available. Thanks! We had a hailstorm of golfball size. My houe was pounded the worst because of the position it sits within our court. All my neighbors are getting complete roofs and siding. My adjuster is offering my 1/2 a roof and 1/2 the house sided. Said that Itel matched siding up. My questions are as follows:

1> 2 years ago I had Hurrican Ike damage to the roof. They only offered me 1/2 a roof back then. I didn’t want to mismatch my roof so I only had it repaired and patched. Can the insurance company hold back 1/2 a roof now because I didn’t totally replace the 1/2 roof two years ago? They are saying they are deducting this amount. My contractor stated hail damage is different than wind damage and thinks they should give me funds for a complete roof.

2> Just how accurate are Itel matches? This is one of those companies that put a piece of your siding through their “lab” and spit out the manufacturer’s name and if the product is available. I am having a hard time believing my 26 year old aluminum siding is still available.

Thanks!

]]> By: cd http://www.insuranceyak.com/hail-damage-and-insurance-claims/#comment-7509 cd Sun, 28 Mar 2010 17:12:43 +0000 http://www.insuranceyak.com/hail-damage-and-insurance-claims/#comment-7509 We had roof damage from a storm a few years ago. We had several shingles fall off the house and found them in the yard. I called the insurance company to tell them the storm had broken the roof seal and several shingles were gone. He said they would not replace a roof for that kind of damage. He told me to call back when a tree went through the house or there was actually significant damage. It's a few years later, we are still with the same insurance agency and the roof is continually getting worse. More shingles falling off and the side shingles sometimes flutter. What do we do? We had roof damage from a storm a few years ago. We had several shingles fall off the house and found them in the yard. I called the insurance company to tell them the storm had broken the roof seal and several shingles were gone. He said they would not replace a roof for that kind of damage. He told me to call back when a tree went through the house or there was actually significant damage. It’s a few years later, we are still with the same insurance agency and the roof is continually getting worse. More shingles falling off and the side shingles sometimes flutter. What do we do?

]]> By: mark c http://www.insuranceyak.com/hail-damage-and-insurance-claims/#comment-7332 mark c Sun, 07 Mar 2010 07:14:28 +0000 http://www.insuranceyak.com/hail-damage-and-insurance-claims/#comment-7332 Mike, you are not out of luck, they came out and denied the roof, they should have bought it, you claimed it in the timeframe, let them tell you of a storm that hit after they inspected it...if like you say there was not another storm, then it had to be the storm in question...BUT whoever is collecting your premiums, is responsible and should pay your claim regardless, they should have sent their inspector out to look, before they insured you. Get a roofer you want to use, they will help you thru the process... Mark Mike, you are not out of luck, they came out and denied the roof, they should have bought it, you claimed it in the timeframe, let them tell you of a storm that hit after they inspected it…if like you say there was not another storm, then it had to be the storm in question…BUT whoever is collecting your premiums, is responsible and should pay your claim regardless, they should have sent their inspector out to look, before they insured you. Get a roofer you want to use, they will help you thru the process… Mark

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