Comments on: Getting A New Roof

By: Eugene Head

Eugene Head — Thu, 29 Dec 2011 12:46:00 +0000

I’ve been thinking of the same thing. Replacing a roof is not that easy, and you can’t say that it’s not hassle free. Good thing you have an insurance company that pays for all your roofing needs.

By: Aaron Carter

Aaron Carter — Fri, 27 Feb 2009 21:37:11 +0000

Great article, thanks for such an insightful post.

By: aj

aj — Fri, 27 Feb 2009 19:13:46 +0000

Wow! I discovered your site from Thrifty Chicks and this article is just what I needed! We need to replace our roof also and I have been so worried about how we are going to pay for it. We just recently had the worst wind storm I ever remember and it really did a number on our roof. We have lived in our house for 5 years, but I am not sure how old the roof is…but I didn’t even think of checking with insurance about it. I really don’t know how much of the damaged shingles was recent and what was before…but thanks for opening my eyes and letting me know that there is a possibility to recover some of the cost from our homeowners insurance!

By: lolgator

lolgator — Thu, 26 Feb 2009 03:31:52 +0000

American Family rates as an excellent company. Unfortunately, they do not write any policies in my state. In fact, State Farm is leaving here also on the homeowners insurance side. Fortunately for us, my wife is a teacher, and we can get Horace Mann Insurance. It’s half the price of State Farm and a good company.

By: Juli

Juli — Wed, 25 Feb 2009 18:51:20 +0000

That is really great that you were informed, it has been such a different story down here. But we are excited, we are finally getting our roof replaced next week, the interior damage has not been fully paid yet still going through that issue, it has been almost 6 months and I had no idea the ordeal this would be, having never filed a claim before. If only more of the companies would be more upfront about everything it would help so much. Lets hope the mother nature will be kinder and gentler this year!

By: FrugalBabe

FrugalBabe — Wed, 25 Feb 2009 18:39:46 +0000

Julie – Thanks for the comment, and you’re right about depreciation. The adjusters were actually very clear on how it works, and explained that after the work is completed, we can submit the receipts to get reimbursed for the depreciated amount. BUT this only applies if the repairs are done within a year of the damage. We had very little damage from the windstorm in December (17 missing shingles) but very extensive damage from the hailstorm in 2005. Unfortunately, we didn’t realize that we had so much damage until now. Since it’s been four years, we’re only eligible for the depreciated amount.
My explanation of the depreciation wasn’t clear, but that was my mistake. American Family was very clear about the whole thing from the start.
I hope that your recovery from Ike is complete – sorry you had to go through that!

By: Juli Adams

Juli Adams — Wed, 25 Feb 2009 17:15:31 +0000

Please Please Please look into the “depreciation” it is not what it seems to be. I am a Hurricane Ike victim and have found that the Insurance use that term to let us think it is to compensate for age, it is not. It is fully reimbursed at the completion of the repair regardless of the age. I would have missed it and who knows how many others down here who heard mumbled words about age from the adjusters and thought the same as you stated above in your blog. If you check the State Board of Insurance site for your state you will find this info as it pertains to your location. Love your blog, look forward to it and hope I can help you out with this info. Good Luck.