Well I figured this would be fairly easy and straight forward. With the storm that rolled through on Saturday night, I sustained shingle damage. I guess not. I emailed my insurance lady, with pictures. She said I could go two ways... i.e. Get a adjuster out (which would point my policy if it wasn't deemed worthy) or get some quotes from roofers. Then she brought up my short time with them...(weird timing I think). But is this the nature of the beast? I've never been down this road... I've got three phone calls into area reputable roofers so I'm going to start this way... In the meantime I've got at least three shingles off one little section that was flipped up and many that are rolled up... best way to cover up for protection from the rain that is supposed to be here this week? Thanks in advance
Just to start a claim counts as a claim, even if you never get any money out of it (after deductible). All claims count against you even if you try to switch companies. If you haven't been with them long, you don't have a history of no claims, so they will jack your prices more; someone who has 3 years and a claim this year is higher risk than someone who has been with them 20 years with their first claim this year. Additionally, they will look at really small claims with a more critical eye than larger claims. So, the gal was actually trying to do you a favor by making mention.
Could be I'm just not seeing in the pics but won't a lot of those just lay back down and reseal on a couple of sunny days like when they were new ?
X2- silicone them down unless there is significant damage. Did the chimney cap blow of too? Must have been some gnarly storms!
Kinda what I was thinking. Get up there and put 'em back in place. Maybe put a little tar under a couple if needed. At least they're still there, and not in the next county.
Like I said I'm a novice.... Gotsa learn some where and present is always the best... I've got a couple of roofers coming out in the coming days to inspect and give there opinion... one is not from the insurance referral...
my bet is they inspect it climb up there with a tube of geosil.. caulk them .. charge you 50 bucks and it's over.. don't know your deductible but if guys are honest it's less than 100 from what I am seeing
I got a free, brand new roof- it was a nice spring day at Costco, and I was in line to head out the door. I chatted with one of the vendors that line up along that exit corridor, a gutter guy that said he gets bonuses on setting appointments and it would really help him if I had someone out to look at the gutters. I said sure, why not. The gutter inspector came out and said, "you have perfectly fine gutters, but I see a little hail damage." I called my insurance company and told them I didn't know if I was making a claim or not, that the gutter guy said there was some hail damage on the roof; and that I didn't have an incident date or anything because I didn't know if I was making a claim or not, but acting on the recommendation of the gutter guys. The insurance company said no problem, and looked in the system by zip code- said, "yup, there were 2 hail storms in your zip, one about 6 and one about 8 months ago. We'll send out some people to look at your roof." In GA, they call a local, approved-on-the-list roofing company and pay them to do an inspection and write up on what they find. When the roofer came down, he said there was good news and bad news- bad news was yes there is some hail damage but very minor. The good news is that if the claim was denied, that I could be confident of 4-6 years of serviceable life left on the existing roof. Well, a couple of hours later my insurance agent called to say that I would be getting a new roof. He said that even though it was minor damage, in the event that I got a roof leak and got personal property and inside damage, it would cost them a lot more than just replacing the roof....so, when can I come pick up a check? I felt very fortunate to have a practical, prevention-minded insurance company. I said to my agent that now I'd have to go insurance shopping since they'd raise my rate or cancel me; and said "what the hell would we do that for? We want to keep you for a long time- partially so we can get our money back that we just paid out on that new roof! If we cancel you, we have no chance. If we jack your rates up. You go somewhere else. Don't worry, you're good." And, come renewal time my rate did in fact, go up...about $10, same as everyone. Moral of the story, if you have damage, don't be afraid to use the insurance service that you are paying for. Worst case is they don't pay your claim, saying there is no damage. Then down the road if you have leaks, they're responsible because they chose not to address the issue when it arose. Good luck!
That's pretty solid advice VOLKEVIN Chvy- run with whatever the roofers say, but as already mentioned, tube of tar and a laddah will make it right as rain....
First off how old is the roof, single layer or double layer of shingles. If they are fairly new then you can use tar not silicone or rtv sealers to tack and hold them back down. If they are older inspect them very closely as they get older they will get very small cracks in them and will just break off on the next wind storm. Most insurance companies will follow the same guide lines on repairs or replacing.
If they deny your claim then hire someone to fix it or do it yourself...easy peasy. If they jack your rate then walk away when it comes time to re-up. No hard feelings. They make roofing compound in a caulk tube. I'd just run a bead of that and stick them back down and run a bead on any cracks. Rub a couple shingles together (to loosen the aggregate) on the wet tar to color match if you are worried about looks.
I'm guessing its 15 to 25 years old... I've been here for 11 years and they weren't new then....Single layer and three tabs I believe. Id be willing to learn, to get by till a later date, but how do you replace a missing tab? I know of three tabs, cause I found them...
Roof appears to be one layer of standard 3 tab fiberglass shingles. From what I can see it appears there is some age to the roof as the corners of the tabs are slightly curling. When shingles reach a certain age the sun may lay them down, but they will not restick in the tack strip that adheres the tabs from lifting. The blown away shingles is one thing and those are easy repairs, but to go around and lift every tab on the roof and either side a trowel with mastic/roof cement, bull or whatever the lingo in your area is or get it in tubes like caulking comes in. Sent from my XT1650 using Tapatalk
Will be time consuming and risk breaking more tabs by lifting them high enough to get under them. At the end of the day you will still have a aged patched roof. Sent from my XT1650 using Tapatalk
This is basically how ya do it, but lifting old tabs will usually break them off too, increasing the repair area. Best done on a sunny day as the shingles are more pliable.
You need a new roof. A single layer of shingles and good quality shingle usally have a 20 to 25 year life span sounds like yours are pretty used up. Is your insurance full replacement value or does depreciation apply? It will make a huge difference on on the amount your insurance co will have to pay. And if it is worth filing a claim or paying to have it replaced out of your pocket.
