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Posted by RVer Don on April 17, 2008, 1:37 am
I have Allstate Homeowners Insurance. I have a tile roof on all of my house
except a second story bedroom with a flat roof with a rubber membrane
approximately 18 x 25 feet. This roof and the tile were installed 21 years
ago. On Jan. 4 a hugh gust of wind got under the flat roof and ripped it
off completely. It went over the top of the tile roof and landed in my
front yard ripping off a number of tile along the way. This same tile is no
longer available. At first they were going to take good tile from the back
of the house to repair the front side and find some tile similar for the
back side. I objected and asked for a complete new roof. After some
discussion, they agreed and replaced the entire roof.
At no time was there ever any question about the roof not being up to the
current code although the replacement roof appears to me to be a much better
installation than the roof being replaced. I mentioned this to my roofer
and his answer was basically what you were told, the method of installation
is much better today than 21 years ago. The cost to Allstate was $2,000.00
more than I paid for the house in 1970.
Several years ago I had water damage to the hardwood floor in the kitchen
due to a leak from the dishwasher. They replaced the entire floor at no
cost to me. My experience with Allstate in the settlement of these claims
has been to my complete satisfaction.
Don in Tracy, Calif.
> 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 Bob on April 17, 2008, 6:10 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.
Allstate ads say they give you two good hands.
It sounds like you got one finger.
Bob-tx
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Posted by on April 17, 2008, 6:29 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.
40 yrs ago, when Sears owned Allstate a wife I had at the
time...settled claims over the phone for them.
If a department paid out a lower amount than the rest for the
month...they were taken out to dinner.
Customer satisfaction wasn't at the top of their list at the time.
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Posted by Norminn on April 17, 2008, 7:28 am
Frank wrote:
>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.
>
>
What, exactly, is the issue with nailing? Not on nailing line? Wrong
type of nail? Too few nails?
How severe was the wind on the day it was damaged? Other damage in the
neighborhood? If
the code changed, what is the change?
Other roofers might be blowing smoke at ya'. If the install was bad, it
should not have lasted 15
years. We had shingle problems with our condo which were evident almost
immediately
- bad choice of shingle to replace concrete tiles
(first mistake). Installed in January (second mistake). Insufficient
ventillation (third mistake). Bad
nailing (fourth, and most important mistake). We have steep mansards on
portions of our goofy
roof .... the city changed the requirements for tabbed shingles after
problems like ours appreared.
After two major reworks, and a few minor ones, tabs were glued down over
most of the roof and
withstood the near-hurricane winds in '04 or '05.
Through all the back-and-forth to get our roof in good shape, I studied
the warranty and installation
instructions for the shingles. There was a registration process for the
installation to cover the warranty
and the roofer had taken care of that. There was a scheduled,
diminishing value applied but that may
have more to do with insurance. Don't know. The warranty was, I
believe, good up to 70 mph wind.
More than 70 and I guess it is an insurance issue, not a warranty
issue. If the installation was faulty,
then it appears to be an installer problem, but after 15 years..........?
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