hail damage

[Jersey mike]

Last time I noticed was GAF Timberline dimensional shingles were about $45 a bundle…3 bundles to a square = $135.00 p/sq.

Now that’s the price of just the purchase of the shingles, not including any mark up by the contractor…I’d guess they mark them up by 2, 3 or even 4 times plus the labor expense of tear off or just a simple re-roof.

Then as well as the dumpster expense for the shingles removed from your house. Sorry I do not recall if this will or will not be a re-roof/your second roof where existing shingles are just covered over.



This doesn’t include any of the extras either like underlayment, edge trim, nails, caulk, flashings, plumbing vent covers or ice prevention guard or starter shingles or caps either.

If your contractors are ok with it (some may not want to or can’t be bothered) I’d ask for a complete breakdown of their estimates…materials cost, labor and any disposal fees and submit that to your insurance adjuster.

Now like auto repair and insurance companies…the use of secondary, lower cost materials may be all insurance companies cover. They’ll very close get the job done just not to OEM specs.

[Jack B]

I live in Wisconsin a few hours north of you last September I had my roof replaced because of age. My house is 2200 ft.² with an oversized two car garage plus an extra three car garage not attached  My bill for the roof was around $17,000. sounds like your house is much smaller. But your your estimate is close to my actual bill and I have more than double the roof that you do.
20 years ago, I had had a rental unit that received hail damage and my estimate higher was than the insurance adjuster but once I handed in the bill, they paid 100% of it.

Design and complexity of the job also play into pricing.

The design of your roof and garage may be different than his home. A simple gable roof is a fairly quick and straightforward design, pretty easy for ripoff and new installation. When there are dormers, chimneys and valleys that require additional flashing or labor that adds to the cost as well as the pitch of the roof too.

Kind of hard to compare without seeing the two.

. 
My roof is is steep. It has 3 valleys plus the dining room is has octagon roof not a simple roof to do it all.

[cookiedough]

signed the contract paid half now last night with contractor.  going to have to come up around 1K outta pocket for roof but should  be ZERO paid outta pocket roof.  Sick of dickering with a claims adjuster with Erie Insurance who's only job is to cut pennies off every little item.

When done, regardless of what the contractor sends to Erie Insurance, going to send full amount I paid over 13K for roof/gutters and tell both the claims adjuster, my insurance agent, and claims adjuster supervisor, 'see you NEVER listen to me and this is what I had to pay totally unfair and unjust being over 1K more outta pocket as I said since day one for comparable roof/gutters as what was on my house!'

If they drop me do not care will find a reputable insurance company I hope come September.  If I went with the other 3 contractors who were pushing 14K roof/gutters I would have been in arbitration forever NEVER got roof done since not blowing 2K vs. only 1K more outta pocket. 

Who knows,  maybe they will do the right thing after this all done and reimburse me in full for roof as it should be according to my insurance policy?  I doubt it, they will not care.  What pisses me off is NO contact call from either claims adjuster supervisor asking him to call me back and nothing done from my insurance agency, bunch of worthless crooks. 

Getting my HVAC fins combed for 450 bucks next Friday and 90% know will not be straightened out the HVAC 2 companies already called said will help but not be AS IT WAS BEFORE hail damage.  Well,   I have personal property 100% full replacement cost as it was to be replaced BEFORE hail damage.  Going to request after done showing them pics see not as it was prior to hail damage give me as my policy states a new HVAC unit.  Why blow 450 bucks, of which Erie Insurance only thinks is 232 bucks paid on their cost estimator, when as my policy states replace personal property in full with new one being about 3500 for new HVAC unit.  They gave me 250 bucks for a few splinters/chipped wood on my picnic table worth 50 bucks tops, so what is the difference on HVAC unit which has 100's of smashed in fins?  Putting a band aid on a major cut is waste of time and money. 

when I told claims adjuster he said protocol is comb fins on HVAC and if not done well, we will deal with it AFTER what is required to be done first being comb finning metal grids outside of AC unit.  Will see how that goes AFTER next Friday but hope as of now get roof done next Friday as well needed it done 2 months ago.  I hope the HVAC guy breaks off 50% of the fins using the comb proving to the claims adjuster cannot be done effectively thus proving to him he is a crook.  I think the HVAC guy will just do the easy ones not smashed flat metal fins since he knows if mess with them will break off, will see?

[Rams]

signed the contract paid half now last night with contractor.  going to have to come up around 1K outta pocket for roof but should  be ZERO paid outta pocket roof.  Sick of dickering with a claims adjuster with Erie Insurance who's only job is to cut pennies off every little item.

The bolded/underlined part is what they've been waiting for.   Once they've made their decision about the only way to get it changed is through legal action and that's a risk.

Rams

[cookiedough]

signed the contract paid half now last night with contractor.  going to have to come up around 1K outta pocket for roof but should  be ZERO paid outta pocket roof.  Sick of dickering with a claims adjuster with Erie Insurance who's only job is to cut pennies off every little item.

The bolded/underlined part is what they've been waiting for.   Once they've made their decision about the only way to get it changed is through legal action and that's a risk.

I already contacted an attorney local and at 275hr he said would be over that 1K extra paying out in no time.  I also chewed out my insurance agent lady who is useless since day one and does not go to bat for their paying customers so dropping them come september unless Erie Insurance does NOT go up one dime in premiums which am sure they will.

I reviewed my cost estimator one last time from claims adjuster Erie Insurance,  also way shorted me ONLY paying out 55 linear foot of fascia.  That will NOT even cover the gable left and right side going left and right side of my garage dented in from hail, let alone anywhere else.  I also told my contractor he could have done more with the claims adjuster since he ONLY actually talked to him ONCE  on the phone and only about 3-4x's via email vs. me 20 to 30x's past 3 full months now bickering with claims adjuster to not low ball me on estimate as he has done since day one.

Supposedly if NO rain next Friday, doing the roof and taking off work since once they remove the fascia from garage area,   I am keeping them for now and taking pics to prove to the darn claims adjuster damage does exist on them and measure since know both sides of garage is over 55 linear feet.  What is the contractor suppose to do cut out the dented in pieces and have 10 three foot sections of fascia vs. 2 or 3 longer sections as should be done just to save a buck?  I also feel the fascia behind the 136 long feet of gutters should be replaced since every 2 feet the old brackets have screw holes thru the old fascia.  What is the contractor suppose to do just put caulk in those screw holes from gutter brackets every 2 feet?   Seen all existing roofs in town get all new FASCIA yet my claims adjuster is being a real jerk about it all.

[cookiedough]

my contractor owner said the shop foreman supervisor will take pics of anymore dents/damage from hail but do not hold my breath him doing that so thus taking off work next Friday to do my own inspection on other parts of my house having damage the claims adjuster not paying for to hopefully help compensate for the 1K shortfall already.

Just glad both my new replacement hips are good enough now to climb a ladder and get on my roof been 3 years was impossible to do prior.   The last time up on my roof I barely made it down onto the ladder some 3 or so years ago.  I could not swing my leg or bend down to put my legs on the 8ft ladder step so yelled for my wife to grab my leg and force it onto the ladder was VERY iffy thought a long time I would just have to live on the roof unable to get down onto the ladder, that is how bad my hips have been past 3-4 years living with daily pain and lack of mobility was near like being in a wheelchair almost at only around age 52 it all started to go bad.  Never knew how bad it was until now being able to walk some 100 yards even with no pain, just not sure I ever will regain my mobility and flexibility over 80%, some say YOGA works? 

[Rams]

signed the contract paid half now last night with contractor.  going to have to come up around 1K outta pocket for roof but should  be ZERO paid outta pocket roof.  Sick of dickering with a claims adjuster with Erie Insurance who's only job is to cut pennies off every little item.

The bolded/underlined part is what they've been waiting for.   Once they've made their decision about the only way to get it changed is through legal action and that's a risk.

I already contacted an attorney local and at 275hr he said would be over that 1K extra paying out in no time.  I also chewed out my insurance agent lady who is useless since day one and does not go to bat for their paying customers so dropping them come september unless Erie Insurance does NOT go up one dime in premiums which am sure they will.

I reviewed my cost estimator one last time from claims adjuster Erie Insurance,  also way shorted me ONLY paying out 55 linear foot of fascia.  That will NOT even cover the gable left and right side going left and right side of my garage dented in from hail, let alone anywhere else.  I also told my contractor he could have done more with the claims adjuster since he ONLY actually talked to him ONCE  on the phone and only about 3-4x's via email vs. me 20 to 30x's past 3 full months now bickering with claims adjuster to not low ball me on estimate as he has done since day one.

Supposedly if NO rain next Friday, doing the roof and taking off work since once they remove the fascia from garage area,   I am keeping them for now and taking pics to prove to the darn claims adjuster damage does exist on them and measure since know both sides of garage is over 55 linear feet.  What is the contractor suppose to do cut out the dented in pieces and have 10 three foot sections of fascia vs. 2 or 3 longer sections as should be done just to save a buck?  I also feel the fascia behind the 136 long feet of gutters should be replaced since every 2 feet the old brackets have screw holes thru the old fascia.  What is the contractor suppose to do just put caulk in those screw holes from gutter brackets every 2 feet?   Seen all existing roofs in town get all new FASCIA yet my claims adjuster is being a real jerk about it all.

As I previously stated, none of the people mentioned above (with the exception of the paid attorney) are on your side.   Personally, even though it may cost you for the attorney, I personally would consider going to court over this.   You might even get your attorney fees paid for by the insurance.   But, I'm only going off what you've said.   There's always two sides to every story.

Rams

[Jersey mike]

signed the contract paid half now last night with contractor.  going to have to come up around 1K outta pocket for roof but should  be ZERO paid outta pocket roof.  Sick of dickering with a claims adjuster with Erie Insurance who's only job is to cut pennies off every little item.

The bolded/underlined part is what they've been waiting for.   Once they've made their decision about the only way to get it changed is through legal action and that's a risk.

I already contacted an attorney local and at 275hr he said would be over that 1K extra paying out in no time.  I also chewed out my insurance agent lady who is useless since day one and does not go to bat for their paying customers so dropping them come september unless Erie Insurance does NOT go up one dime in premiums which am sure they will.

I reviewed my cost estimator one last time from claims adjuster Erie Insurance,  also way shorted me ONLY paying out 55 linear foot of fascia.  That will NOT even cover the gable left and right side going left and right side of my garage dented in from hail, let alone anywhere else.  I also told my contractor he could have done more with the claims adjuster since he ONLY actually talked to him ONCE  on the phone and only about 3-4x's via email vs. me 20 to 30x's past 3 full months now bickering with claims adjuster to not low ball me on estimate as he has done since day one.

Supposedly if NO rain next Friday, doing the roof and taking off work since once they remove the fascia from garage area,   I am keeping them for now and taking pics to prove to the darn claims adjuster damage does exist on them and measure since know both sides of garage is over 55 linear feet.  What is the contractor suppose to do cut out the dented in pieces and have 10 three foot sections of fascia vs. 2 or 3 longer sections as should be done just to save a buck?  I also feel the fascia behind the 136 long feet of gutters should be replaced since every 2 feet the old brackets have screw holes thru the old fascia.  What is the contractor suppose to do just put caulk in those screw holes from gutter brackets every 2 feet?   Seen all existing roofs in town get all new FASCIA yet my claims adjuster is being a real jerk about it all.

As I previously stated, none of the people mentioned above (with the exception of the paid attorney) are on your side.   Personally, even though it may cost you for the attorney, I personally would consider going to court over this.   You might even get your attorney fees paid for by the insurance.   But, I'm only going off what you've said.   There's always two sides to every story.

Rams

Lodging a complaint with the state’s Department of insurance won’t hurt either. That’s what they’re there for.

[cookiedough]

sure why not file a complaint with WI state dept. of insurance.  I also reviewed Erie Ins. cost estimator he only gave me 55 linear foot for fascia, what is that little amount going to cover?  I emailed and texted the claims adjuster this morning on that one as well.  55 linear feet will not even cover both sides of the gable  sides going up both sides of garage that have dented in hail spots in them.  What about all the screw holes from old gutter brackets every 2 feet along 68 feet in front and 68 feet in back of house and garage, just caulk over all those holes in white fascia behind gutters and use existing 33 year old fascia over new gutters covering up the holes? Seen most homes in town replacing entire all new fascia, guess not mine since ONLY 55 linear feet written up from Erie Ins. claims adjuster? 

Will see this Friday how the comb finning goes of AC unit but I have my doubts he might not even consider doing it since he may say will not work since the metal fins of outside of AC until has about 40 spots dented in all over mostly on just 2 sides.   Never seen golfball sized hail ever and to see it come down for like 6 minutes straight vs. the usual 1-2 minutes long was hard to watch that morning April 18th at 7 a.m.  A few were bigger than golf ball sized but luckily NO baseball sized hail I guess as some got in other close by towns that morning was widespread hail for sure in 3 counties nearby.

[cookiedough]

sent pics of fascia behind gutters with holes all over from old brackets asking claims adjuster shouldnt the entire holey fascial all 68 ft front and 68ft in back get covered only allowing 55 linear feet on estimator?  NO answer from him been 2nd day now.  Will keep texting/emailing him until he gets sick of seeing my messages I guess?  

update, just got email from claims adjuster erie ins, he said any damage NOT caused by hail is not covered is all he said.  He NEVER answered my question on what the ONLY 55 linear ft of fascial allowed on his cost estimator will cover which is basically almost NOTHING.  Emailing him back yet again today telling him to answer my darn question I asked vs. a BS answer that any damage not caused by hail is not covered.  Also going to point out that hail did cause my gutters to be replaced and therefore if not for hail, I would not have exposed gutter bracket 2 screw holes every 2 feet thru my fascial behind guttersl exposed to the elements since have to replace my trashed gutters that have softball sized holes in them all 68ft in front and 68ft in back.

[cookiedough]

well roof done and siding mostly done yesterday, finish siding and hoping window wraps and gutters later this week.   Has NOT been a pleasant journey am thinking might have had a heart attack NO JOKE on the constant issues whether jerk claims adjuster, contractors, or siding/roofing crew having to go over their lack of quality workmanship finding stuff needs fixing or replaced both on roof and siding so far, all minor stuff but the quality of craftmanship is certainly NOT what it use to be but what do you expect hiring possibly illegal immigrants not speak a lick of English at mininum wage to do roof and siding?  ALL contractors in this town use them not saying bad workers, they are fast, but sloppy for sure.

Now moving onto getting jerk claims adjuster to pay me 4500 for a new HVAC AC unit badly dented in fins.  2 HVAC companies came last week both say comb finning will not work unrepairable smashed flat fins will just break off sent bill to claims adjuster, he immediately now wants 2 weeks from now their hired in HVACI company to come and inspect/take pics of my AC unit.  What a joke, they paying me reimbursing 279 bucks for one HVAC company local to come attempt to comb fin of which he tried one spot broke off fin wrote up invoice 279 bucks and said unit unrepairalble needs new AC unit.  Yet, claims adjuster dickering around wanting now their own hired HVACI company to come in and say otherwise and NOT right away but 2 weeks from now damage was done April 18th hail.  Erie Insurnace and more so my claims adjuster can talk a LONG walk off a short pier or better yet, I will push him over a cliff!!!!    That 279 charge for doing nothing but submitting an invoice/bill of which erie insurance has to pay me for is a waste of money owed 4500 to get new HVAC unit installed, if not. lawyering up this time around even if it costs me 3K had enough of this jerk claims adjuster he is terrible to put it mildly.  Especially since 2nd local in town HVAC person told me few days ago that neighbors 2 blocks away whom I know well he inspected their HVAC unit had NO hail damage unlike mine has must of been protected mine is out in open backyard, that same erie insurance but different claims adjuster is giving them a FREE AC unit covered 100% and the HVAC guy said there was no damage and AC unit is fine,  UNREAL all depends on who you get as a claims adjuster.

I am submitting once all done to all of Erie Insurance going high up ladder since still shelling out 1 grand for my roof which should be 100% paid for equivalent materials as to what is on house now and telling them pay up due to low ball claims adjuster cost estimator whom I had to fight with to go from 11.4K to 12.3K bill is 13.3K for roof alone and he is cheap other 3 contractors were pushing 14K estimates.  Talked to both neighbors different claims adjuster but same erie insurance similar homes and size they got 16K for roof and other got 19K for roof fully paid for and our shingles, etc. are near identical before and after.

[cookiedough]

next step, filing complaint with WI insurance commission against erie insurance due 1K roof, near 1k fascia, and 4500 new HVAC unit dented to heck NOT paid for.  next step after that if not resolved and paid, small claims court since under 10K.

Gets better, siding crew came have about 20 pieces scratched to heck contacted contractor owner last night showed him with dozens of pics, he will come to my house Monday to look at terrible job done by siders and replace what is needed.  WOW,  someone from the contractor, actual owner, doing his job and actually coming for ONCE on site for all of these 4-5 days of misery.

Told him in NOT so polite of voice I was told signing paperwork a project manager would be ONSITE most of the work since basically are all Mexican crews unable to speak English with NO direction on how to complete their work correctly just slap roof and siding up as quickly as possible, with NO supervision 99% of the time is uncalled for and was lied to. 

Without me here a few days babysitting the crews, the work would have been delayed 5 more hours since NO contractor was here to do their work and help them out when needed like basic supplies like a darn drill bit even to remove the gutter brackets roofers NEVER had at 7 a.m. when NO contractor guy was here to give it to roofing crew.  Gotta love talking into a cell phone app to translate what I said to the non speaking English roofers.

Bare minimum, asking for 500 off bill for doing about 5 hours of the contractors work for them since NO ONE was at my home supervising more than tops 2 hours total in 4 days work. I removed 90% of my own old gutters and washed by hand all 136 feet of fascia behind gutters since some of the fascia can be reused since contractor upcharges INSANELY 7.50 per linear foot when can get similar fascia for under 3 bucks per linear foot at menards, etc.

Still having issues with fascia behind gutters not done correctly, siding pieces all over needing replaced scratched to heck, and I am going onto my roof to inspect the roof this weekend against my wifes comments I should NOT go on my roof in my condition (as the contractor should have done NEVER did even get on the roof EVER to inspect the roofing crew) since I am 99% sure no new shingles were tossed due to defects since 19 sq was only used and there is a 10% allowance for bad shingles from factory to be discarded with 21 sq delivered, having 6 bundles (2 square) leftover.  75% sure I will find at least a few shingles installed that should have been discarded with defects in them like dents or pieces off of them.

Moral of the story, trust NO ONE to do a competent job when it comes to home repair.  If was 10 years younger, I would do most myself even though take 10x's as long since mostly by myself vs. having a crew of 7 roofers completing roof in 5 hours vs. say 2 people me and another roofer did in 2006 taking 2 LONG 10 hour days.  Never worked so hard in my life but was age 38 not so old.

[cookiedough]

amazes me how much a roof and siding and gutters cost nowadays.  1100 sq. ft ranch home very basic with 2 car garage 20x24 attached runs 13K roof, 10K siding, and 2600 for gutters over 25K just amazes me in shock.  Built the entire home 80K in 1993.   I guess I need to stop living under a rock and face reality we live in where no one can afford a home nowadays?

cannot wait to see in September what Erie Insurance new 1 year premium is, but I bet they drop me for coverage since have heard that in catastrophy zones where insurance has tons of claims as we all did in 3-4 counties widespread HAIL damage golfball and larger on April 18th, insurance companies are dropping coverage on homes in that area.  

Thus the reason I am going after them for what is due, 1K roof, near 1K fascia not covered, and 4500 for a dented up HVAC AC unit that NO HVAC company local will touch comb finning as Erie Insurance suggested too bad of shape!!!