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Posted by ransley on June 6, 2008, 8:31 am
> I have noticed that in the last three or so years that about 20 percent of=
> the houses in my subdivision in northwest suburban Chicago have gotten new=
> siding and roofs. The houses here are about 15 years old. Almost all have
> been done by the same company that scours the neighboorhood after storms
> looking for any type of damage.
>
> My wife said they stopped by our house the other day and wanted to know if=
> we wanted our roof and siding replace because of hail and wind damage and
> that it would cost us nothing more than our deductible or something like
> that (my wife often does not get the whole story or ask a lot of questions=
)
> and that they would do most the talking with the insurance company. I said=
> what damage. She showed me a piece of loose siding by the side of the gara=
ge
> on the top row. I said that has been like that for years and I intend to f=
ix
> it someday - really. Then she showed me about 10 shingles that were elevat=
ed
> ever so slightly which I said that I can fix that in about an hour with so=
me
> roofing cement like I used to do on my first house back in more lean times=
.
>
> So my question is this legit in that these companies can get the insurance=
> companies to pay for almost all costs with only what I would call very min=
or
> damage that a handy man would probably fix for $100 ?? Wouldn't the
> insurance companies at least want to pro rate the roof replacement based o=
n
> the age of the roof?? Why in the world would they replace all the siding
> with such little damage. Or maybe there is more to it than that and the ho=
me
> owners are picking up a percentage of the repairs?
>
> As for me I don't like to mess with insurance companies as they always see=
m
> to have a way [individually or as a group] to get their money back
> particualry if you look like the type of client that is going to call them=
> for every little thing. I basically want to be covered in case of a fire,
> car theft, =A0or something like that.
>
> Thanks for any advice, input, experiences, or opinions.
>
> Steve
When we had hail damage in chgo we called the ins co. Since yours
wasnt Hail damage I think you might end up paying it, I bet the pitch
they did 15% is their lie to make you think they are legit.
Questionable, or several claims can get you dropped, Just wait, a big
storm is comming for a real genuine claim.
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