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Beware Allstate Frank 04-16-2008
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Posted by on April 16, 2008, 11:37 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.
>

Wind can certainly peel off a roof, particularly if it isn't really
nailed down well. Our code is 6 nails per shingle, no staples.

I imagine the insurance companies are trying to get "windstorm"
excluded from normal homeowner coverage (like flood). It already is in
Florida. You need an additional windstorm policy which costs as much
as your homeowners and has a bigger deductible.
BTW Allstate cancelled everyone in Floridw who live within 10 miles of
the coast.

Posted by Smitty Two on April 16, 2008, 11:43 am
gfretwell@aol.com wrote:

> I imagine the insurance companies are trying to get "windstorm"
> excluded from normal homeowner coverage (like flood).

They've started to refer to homeowner's insurance as "fire insurance"
around here. I'm afraid to read my policies to see what they *don't*
cover, but I'm sure the list is getting longer.

Posted by on April 16, 2008, 11:49 pm
In article <prestwhich-2AF60F.08433216042008@news.phx.highwinds-
media.com>, prestwhich@earthlink.net says...
> gfretwell@aol.com wrote:
>
> > I imagine the insurance companies are trying to get "windstorm"
> > excluded from normal homeowner coverage (like flood).
>
> They've started to refer to homeowner's insurance as "fire insurance"
> around here.

Actually, that's what it's been called since Ben Franklin was selling
it. The other coverages are newer additions to the package.

--
josh@phred.org is Joshua Putnam
<http://www.phred.org/~josh/>
Braze your own bicycle frames. See
<http://www.phred.org/~josh/build/build.html>

Posted by Conner on April 16, 2008, 12:08 pm

>
>>
>>> 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.

> Wind can certainly peel off a roof, particularly if it isn't really
> nailed down well. Our code is 6 nails per shingle, no staples.

I'm very aware of what wind can do. As I said, I have 30+ years in the
trades. I also live in the Midwest, which is frequented by tornadoes. I
also had many dealings with insurance, in contracting for damage
assessment. I've contracted on government jobs, which involves heavy
detailed specifications, including the size of a fastener head.

You'll note the OP complaining about paying for a _new_ roof. I've seen
this literally probably a hundred times. People think insurance is for
maintenance. I'd lay money on it, the roofers are telling the OP he needs a
new roof, and probably so, because of the age, not because of the damage.






Posted by benick on April 16, 2008, 8:34 pm

>
>>
>>>
>>>> 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.
>
>> Wind can certainly peel off a roof, particularly if it isn't really
>> nailed down well. Our code is 6 nails per shingle, no staples.
>
> I'm very aware of what wind can do. As I said, I have 30+ years in the
> trades. I also live in the Midwest, which is frequented by tornadoes. I
> also had many dealings with insurance, in contracting for damage
> assessment. I've contracted on government jobs, which involves heavy
> detailed specifications, including the size of a fastener head.
>
> You'll note the OP complaining about paying for a _new_ roof. I've seen
> this literally probably a hundred times. People think insurance is for
> maintenance. I'd lay money on it, the roofers are telling the OP he needs
> a new roof, and probably so, because of the age, not because of the
> damage.

You are correct...I agree completely...
>
>
>
>
>


Page 2 of 4       < 1 2 3 > last >>
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