While I appreciate your insurance advice.. I owned an insurance agency for 16 years. Also over the last 17 years I have personally flipped/owned over 100 properties. Hell, I own 11 of them right now. Needless to say I am well aware of how insurance works, the cost of roofs, construction costs, plumbing costs etc.. so if you all want to continue paying the high dollar roofers and calling John Moore for plumbing issues please do!! They appreciate your business. lol.

Could you send me a msg cadet05

Username @ yahoo dot com

I would like to talk with you about something

Does your company use the old style Real roofing nails? And a roofing hammer? Our neighbors just got a new roof and they used the auto hammers with nail heads smaller than my finger nail. They had just gotten a new roof about 6 years ago with the same small nail heads. Ours was hand nailed around 12 years ago. They had major roof issues and lost numerous shingle pieces with hurricane Berly's 60 mph winds and we had none.

I assume hand nailed roofs are still much better and much longer lasting.

Those in the business, what do your crews use?

We use 1.25" roofing nails and pneumatic coil nailers and 6 nails per shingles unless there is dang good reason to do different. That would be application specific and Ive done it once in 8 years. We will hand nail if a customer wants but there is an additional charge for it. It's unnecessary, slow, exceedingly traumatic for the structure, and introduces a human error into a process that's not needed. Not sure about nail head size, roofing nails have appropriate sized heads be they coil nails or hand nails. Maybe that crew used framing nails? Anything is possible. I see some weird stuff.

If the crew is inexperienced with coil nailers and over drives nails, they will tear off. Coil nailers must be calibrated regularly. Did the neighbors field ahingles blow off? Hip and ridge shingles? Both? Neighbors roof may have used the wrong fasteners, maybe they only used 4 nails instead of 6 per shingle, or crappy shingles, it's nearly impossible to say. Modern shingles at 6 nails per shingle should easily withstand 110-130mph wind without any issue.

I've got a question concerning roofing claims with insurance, figure this is as good a thread as any.

I am having to have my roof replaced due to hail damage. During the Adjuster visit and eventual Estimate from insurance company, they are giving me $33k for the roof repair, $7k to repaint facia and replace/repaint garage doors, and $1200 to restain my fence.

I know there's laws on the books now not allowing for roofers to over estimate the work done to help the Homeowner with the deductible, but how do the garage doors, facia painting and fence staining play into this? Can I pocket that money if I choose not to repair these items? At the moment I am not planning on replacing the garage doors - there are no visible marks/indentions, pretty sure adjuster was just throwing me a bone - and I also do not plan on restaining fence any time soon (this is something I do myself anyways, and just did a couple years ago). I do plan on having the facia, eves, garage doors and other exterior doors repainted. They needed it before the hail storm, so this will be a good use of insurance funds.

Of course the roofer's estimate came in exactly at the adjuster's estimate on roof replacement - that's fine. I'm just wondering what the rules are with the remaining $8-9k for garage doors, painting and staining? Can I "pocket" the remainder after having everything repainted and basically cover my $4,700 deductible?

If you got 8,000-9,000 for garage doors, painting, and staining, and that is the ACV part they sent up front explicitly for those items, then you can use that how you need to use it. Do the doors, paint, or not...up to you.

Once it's in your bank account, its YOUR CASH. Where you run into problems is having recoverable deprecation for those items, requesting it, and not doing the work. That's a problem.

So, if you have a 2,000 deductible, and the carrier has an ACV column for gutters for 2,000, well, you've offset your own deductible. I'll leave it up to you as to whether it's the right thing to do, but if you don't go back to the carrier for extra money on the gutters, and they never send you anything extra, then as far as they are concerned, those items were done. Just make dang sure your roofer is not billing for a penny more than the RCV on your roof section only, or whatever items he is doing.

If/When you sell the house, you will have to disclose to potential buyers that you received insurance proceeds and didn't make repairs. It may also become an item to address if you ever switch to another insurance company.

Why?

Agilaw said:

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If/When you sell the house, you will have to disclose to potential buyers that you received insurance proceeds and didn't make repairs. It may also become an item to address if you ever switch to another insurance company.

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I didn't think the homeowner had to disclose it to buyer… but I think the insurance company registers it in some database that buyers/next insurance company will see and be able to query about. Pretty much every insurance claim in most instances is pretty auditable is the point so proceed with that in mind.

It's a question on the Sellers Disclosure in Texas

Thought that was only flood insurance claims rather than all insurance claims.

I don't have one handy but I remember it being any claim.

They give you a space to explain, so writing that you didn't restain the fence would probably be sufficient.

It is a disclosure. You have to note if you received proceeds for an insurance claim on the property but then did not make the repairs that the claim/proceeds were for. Then some blank lines to explain.

Correct. If you receive insurance money and don't use those proceeds to do the work, you must disclose when you sell the property on the Sellers Disclosure.

That same disclosure also applies to any other award, legal settlement, etc. If you received $$$ to repair damage to a property and didn't do the repair, it's a disclosure item.

ATM9000 said:

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Agilaw said:

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If/When you sell the house, you will have to disclose to potential buyers that you received insurance proceeds and didn't make repairs. It may also become an item to address if you ever switch to another insurance company.

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I didn't think the homeowner had to disclose it to buyer… but I think the insurance company registers it in some database that buyers/next insurance company will see and be able to query about. Pretty much every insurance claim in most instances is pretty auditable is the point so proceed with that in mind.

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That would be incorrect

That same disclosure also applies to any other award, legal settlement, etc. If you received $$$ to repair damage to a property and didn't do the repair, it's a disclosure item

Diggity said:

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it's amazing. seems like half the people can't get their claim approved (whether legit or no) and the other half have $'s raining down on them. What a messed up business.

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That was our street after a storm a while back. My two direct neighbors and I got denied. Everyone else on the street who filed claims practically had their insurance companies throwing money at them.