Roof Inspection?

[undercoverbrother]

Are you replacing the roof or taking a cash settlement? Usually the cash settlement would eb about 80% of the pre-tax amount and then subject to your deducitble.

depends on your policy, you should be able to pay your deductible and get 100% of the cost covered. I would also ask how this will effect your premiums as in some cases "act of God" will not effect your premium. Don't quote me on that though

Clear as mud?

[darklord700]

Originally Posted by MacDaddy77

depends on your policy, you should be able to pay your deductible and get 100% of the cost covered.

Originally Posted by FlamesKickAss

Are you replacing the roof or taking a cash settlement? Usually the cash settlement would eb about 80% of the pre-tax amount and then subject to your deducitble.

My roof is 20 years old and is on it's last stand. One bad hail and the insurance company is gonna give me a new roof or even 80% of it is just too good to be true. But that's the impression I got from the adjuster so I don't get it. Like if you totaled a 20 year old car, the insurance company is not going to give you a brand new one. But if they do give me a new roof, I'm not gonna complain too.

[undercoverbrother]

Originally Posted by darklord700

My roof is 20 years old and is on it's last stand. One bad hail and the insurance company is gonna give me a new roof or even 80% of it is just too good to be true. But that's the impression I got from the adjuster so I don't get it. Like if you totaled a 20 year old car, the insurance company is not going to give you a brand new one. But if they do give me a new roof, I'm not gonna complain too.

Many home owners policy's are based on replacement cost. Auto policy are ACV. So you wreck you 20 yr old car you get what a 20 yr old car is worth. You get hail damage to you servicable roof you get the roof replaced. You weren't comparing apples and apples.

That being said some insurers sell ACV policys for homes. Ask you adjuster he/she should know, or ask your insurer.

[FlamesKickAss]

Originally Posted by darklord700

My roof is 20 years old and is on it's last stand. One bad hail and the insurance company is gonna give me a new roof or even 80% of it is just too good to be true. But that's the impression I got from the adjuster so I don't get it. Like if you totaled a 20 year old car, the insurance company is not going to give you a brand new one. But if they do give me a new roof, I'm not gonna complain too.

Originally Posted by undercoverbrother

Many home owners policy's are based on replacement cost. Auto policy are ACV. So you wreck you 20 yr old car you get what a 20 yr old car is worth. You get hail damage to you servicable roof you get the roof replaced. You weren't comparing apples and apples.

That being said some insurers sell ACV policys for homes. Ask you adjuster he/she should know, or ask your insurer.

Or they put a limitation on the roof once it gets to a certain age.....

[darklord700]

Originally Posted by undercoverbrother

Many home owners policy's are based on replacement cost.

Thanks for the info. Can't complain about getting a new roof for basically free when I almost could've put a new one in a few months ago.

[cral12]

Originally Posted by undercoverbrother

Just re-read you post, missed it earlier, but if no shingles missing then no the insurance won't replace it.

Regarding the water entering the property, was it very windy when it rained last? Often the water entering has nothing to do with the shingles, but everything to do with the joint around vents, plumbing collars, etc. Often the wind will drive the rain up and into your property. Perhaps it's a building envelope issue.

FYI, I believe that even though the IKo shingles are cracked, it does not affect their ability to do their job as shingles.

Thanks UCB - thought as much, but thought I'd throw it out there.

Don't really get the logic that shingles can do they're job if they're split/cracked.

[undercoverbrother]

Originally Posted by cral12

Thanks UCB - thought as much, but thought I'd throw it out there.

Don't really get the logic that shingles can do they're job if they're split/cracked.

They are not cracked all the way through. Will this decrease their life expectancy, i would suggest it would. But as you know a roof works through a layered system.

I still bet the water is entering through a "joint" somewhere.

[FLAME ENVY]

We are getting our roof (eavestroughs and garage door as well) replaced due to the hail on August 12th through insurance. The shingles being replaced are IKO Renaissance XL that were put on when the house was built in 2000. Can anyone recommend a quality asphalt shingle ? I want nothing to do with any IKO product.

[mr.jim.lahey]

I got a Platinum flyer in my mailbox in Rocky Ridge. Looks sketchy.

[undercoverbrother]

Originally Posted by FLAME ENVY

We are getting our roof (eavestroughs and garage door as well) replaced due to the hail on August 12th through insurance. The shingles being replaced are IKO Renaissance XL that were put on when the house was built in 2000. Can anyone recommend a quality asphalt shingle ? I want nothing to do with any IKO product.

The IKO Cambridge is a good shingle. The trouble with shingles, is on one actual tests to see if they will last 20 or 25 years.

I have heard good things about the Cambridge, but that might change.

[darklord700]

Originally Posted by FLAME ENVY

I want nothing to do with any IKO product.

Funny, I heard my friend saying he's paying extra to get IKO shingles.

[Erick Estrada]

Originally Posted by macker

-Lidale Construction
-Epic Roofing
-First on Site
-Fraser
-Rainbow
-Onside
-First General
-Lummerding
-Belfor

Stick to the above list if you can as they have all been in business for more than 5 years and are trusted names in the industry. Problem is they are all likely booked out but just be patient and get things done properly with a warranty that will be around when you need it.

What? No Guns & Hoses? JK I always hear them advertising on the FAN.

[93Hound]

Originally Posted by Slava

I think it would be a "you need a new roof, give us a downpayment and we'll do it for you" type of thing. Obviously the scammers never return.

Thats all I can come up with. I have noticed a number of new roofs in our area lately though and had said to my wife a few weeks ago that we should look into it. I will ask some of the neighbours as well.

Keep in mind that if you are going to look into going through your insurance for a new roof you will lose any credit you may have for a claims free discount. That claim will stay on your file for 5 years. This can be a significant amount that you will end up paying out when it may be a case of just fixing a few shingles.
Be wary of these guys going around and saying you need a new roof. What happens is they make you go through your own insurance and they get paid by the insurance company and get to it when they get time. Could be months before you even get the new roof.... if at all.

Everyone needs to be cautious on this one.

[Slava]

Originally Posted by 93Hound

Keep in mind that if you are going to look into going through your insurance for a new roof you will lose any credit you may have for a claims free discount. That claim will stay on your file for 5 years. This can be a significant amount that you will end up paying out when it may be a case of just fixing a few shingles.
Be wary of these guys going around and saying you need a new roof. What happens is they make you go through your own insurance and they get paid by the insurance company and get to it when they get time. Could be months before you even get the new roof.... if at all.

Everyone needs to be cautious on this one.

My roof is damaged and needs to he replaced, so its either I cut a cheque or the insurer does.

[undercoverbrother]

Originally Posted by Slava

My roof is damaged and needs to he replaced, so its either I cut a cheque or the insurer does.

You know that the cost of a new roof is greater than an increase in your premiums over 5-7 yrs.

[Slava]

Originally Posted by undercoverbrother

You know that the cost of a new roof is greater than an increase in your premiums over 5-7 yrs.

Ya, there is no way I would cut a cheque personally at this point. It was damaged and the peril is insured. That's why you buy the policy.

[FLAME ENVY]

Originally Posted by darklord700

Funny, I heard my friend saying he's paying extra to get IKO shingles.

We also paid extra for the IKO Renaissance when we built our house. IKO has since been slathered with multiple class action suits here in Canada and the U.S.

[cral12]

A veteran roofer (Aaron's Roofing) recommended IKO Cambridge. As soon as he stepped on our roof he knew we had IKO Renaissance shingles, but despite everything he thinks IKO Cambridge is a good product and what he currently recommends.

I'm still kind of miffed I face the prospects of replacing roof out of pocket less than 1 yr after moving in. Our home inspector seemed to be an intelligent and very careful guy, but missed out on the dire state of our roof (9 yr old house).

Never thought I'd be hoping for wind/hail storm...anytime now...

[cral12]

Originally Posted by macker

-Lidale Construction
-Epic Roofing
-First on Site
-Fraser
-Rainbow
-Onside
-First General
-Lummerding
-Belfor



Stick to the above list if you can as they have all been in business for more than 5 years and are trusted names in the industry. Problem is they are all likely booked out but just be patient and get things done properly with a warranty that will be around when you need it. Some of the new roofing companies that were born during the last few hail storms won't be around to back up their work and will go back to the other industries that they came from. Some of the crews up on the roofs these days should have surveillance on them Many of them aren't local to the area and just moved here for the hail storm...

A lot of the above companies are "disaster restoration" companies...

[cral12]

Wow - 2 weeks later after contacting 12 or more companies we have exactly 1 quote.
Maybe we should all start the Calgary Puck Roofing Company...lol