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Posted by Frank on April 16, 2008, 10:04 am
Beware Allstate. My house was built in 1993 and met all building
codes at that time. Now I have wind damage and they will not cover
damage because the roof is not up to current code. We are simply
talking about the nailing strip on a single and its relationship with
the glue strip. I've had several roofers tell me that this is the way
roofs were put on at the time and the code has changed since. If this
is allowed then I'm not sure it pays to have insurance. I'm putting on
a new roof out of my pocket and leaving Allstate and will never return.
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Posted by zzyzzx on April 16, 2008, 10:34 am
When I was looking for homeowners insurance one insurance company
refused to even quote me unless I could get my roof "certified". When
I researched exactly what that means, it would require me to get a new
roof. Like I'm going to replace a perfectly good roof just to get
insurance??
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Posted by Sanity on April 16, 2008, 10:38 am
> When I was looking for homeowners insurance one insurance company
> refused to even quote me unless I could get my roof "certified". When
> I researched exactly what that means, it would require me to get a new
> roof. Like I'm going to replace a perfectly good roof just to get
> insurance??
I'll bet that insurance company would have insured you if you signed a
certified, notarized legal document stating that you would never file a
claim against them as long as you were insured with them.
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Posted by on April 16, 2008, 11:06 am
> Beware Allstate. =A0My house was built in 1993 and met all building
> codes at that time. =A0Now I have wind damage and they will not cover
> damage because the roof is not up to current code. =A0We are simply
> talking about the nailing strip on a single and its relationship with
> the glue strip. =A0I've had several roofers tell me that this is the way
> roofs were put on at the time and the code has changed since. =A0If this
> is allowed then I'm not sure it pays to have insurance. I'm putting on
> a new roof out of my pocket and leaving Allstate and will never return.
Must be where you live. I've had Allstate for 22 years, and my house
was built in the early 1800s. My house has practically nothing "to
code", but I had no problem when I had a water damage claim. There was
damage to the electical wires which were not "up to code", so Allstate
paid to re-wire the damaged area and replace all the outlets and
switches. They didn't cover the plumbing, because that's what caused
the damage. They did, however, pay me thousands to repair the
electric, re-plaster a ceiling, replace a wall and two rooms of
hardwood floors, paint, wallpaper, etc.
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Posted by Conner on April 16, 2008, 11:19 am
> Beware Allstate. My house was built in 1993 and met all building
> codes at that time. Now I have wind damage and they will not cover
> damage because the roof is not up to current code. We are simply
> talking about the nailing strip on a single and its relationship with
> the glue strip. I've had several roofers tell me that this is the way
> roofs were put on at the time and the code has changed since. If this
> is allowed then I'm not sure it pays to have insurance. I'm putting on
> a new roof out of my pocket and leaving Allstate and will never return.
Sorry tmclone for replying to your post, but Frank's post was blocked.
Frank,
Your roof is 15 yrs old. Some builder grade spec roofs do last longer, but
sounds as if you want your insurance to pay for something which is regular
home maintenance. Having been in the trades for 30+ years, I've seen blow
offs after 10 yrs, simply because the quality used was very poor.
Quit trying to scam the insurance company. If it's time for a new roof, it
should be on your dime. Most insurance companies will only repair the
damage, unless your roof was damaged by a hurricane or tornado, I find it
hard to believe this much damage was done by wind.
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