View Full Version : Hail NO!
Another round of hail just swept through the south side of town. We had marble sized in HR.
It's almost October! I can't remember it being like this. Neighbors got their cars in very quickly, no idea about the roof that was just put on this year from last fall's storm.
If only marble sized you are likely okay.
Is your new roof IR (Impact Resistant)? Got hammered last year at the house and the wife's condo. This round shouldn't have been big enough to do much damage.
One year ago today, the big hail storm in Aurora. Ended up costing my insurance about $35K and me $3500 in deductibles. I still need to find insurance to cover my deductibles.
Why is your deductible so high? 1%
funkymonkey1111
09-29-2015, 19:29
Why is your deductible so high? 1%
Reduce rates?
Here's the picture of what was in my lawn when I got home last year. And yes I thought the end of September was odd for a big hail storm last year, but now I expect it.
Why is your deductible so high? 1%
$1500 house, $1000 car, $1000 truck
Ahhhhhh. I see now. Nationwide used to have an endorsement that allows you to use the highest deductible to cover all the damages to property covered on each policy, given that the same event caused all the damages (like hail, tornado, hurricane, etc). So in this case, your $1,500 homeowners deductible would have been applied, but not the other two. *This is not an endorsement for Nationwide as I have not worked there for years and don't know if this endorsement still exists. Also, Nationwide can blow me.*
One year ago today, the big hail storm in Aurora. Ended up costing my insurance about $35K and me $3500 in deductibles. I still need to find insurance to cover my deductibles.
Yup. September isnt safe.
Ahhhhhh. I see now. Nationwide used to have an endorsement that allows you to use the highest deductible to cover all the damages to property covered on each policy, given that the same event caused all the damages (like hail, tornado, hurricane, etc). So in this case, your $1,500 homeowners deductible would have been applied, but not the other two. *This is not an endorsement for Nationwide as I have not worked there for years and don't know if this endorsement still exists. Also, Nationwide can blow me.*
How'd that bad faith thing work out irv?
Nationwide is doing right by me after a call to their lead council.
Sent by a free-range electronic weasel, with no sense of personal space.
It was just a bunch of BS like I suspected. Dirty low down contractor that ended up getting what he wanted in the end, only to have the company change policies a few days later. Now this guy is going to be running around saying how he single handedly changed the industry...
If only marble sized you are likely okay.
I've got hail damage on the roof of my truck, but I'm not sure exactly when it occurred. Mostly because it sits parked outside and I had been traveling a lot for work and not using it.
Am I right in understanding that if any storm in the last six months produced damage, I am safe making a claim?
Oh let me clear that up, marble sized is not likely to damage a roof shingle. I don't have experience with hail on vehicles. As to your question, you are okay to turn on a claim as long as the storm occured during your policy period. It's a good idea to have an approximate when (and where for a vehicle) when you call.
It came down pretty ferociously. We were lucky here; marble-sized hail and/or the bigger kind that just splats when it finally strikes something.
This BETTER not result in a bumper crop of roofing contractors. My new roof still has a shine on it.
This BETTER not result in a bumper crop of roofing contractors. My new roof still has a shine on it.
Am I reading this to mean that I should NOT go through the pile of business cards I've kept from nearly every single contractor (mostly roofers) I've met over the past 12 months, and start sending the ones I didn't get along with your way?
Is your new roof IR (Impact Resistant)? Got hammered last year at the house and the wife's condo. This round shouldn't have been big enough to do much damage.
Yes it is--Malarkey.
I had class four Owens Corning before that and it didn't hold up well at all. One hail storm and it was totaled.
From what I understand from people in the industry, early impact resistant stuff was a joke, but the newer stuff is getting better.
We went with standing seam metal for that very reason. At least if we have significant hail damage, it'll be easy to see.
I get to pick out a bunch of that stuff on Friday.. the fun begins.
WhyTF do they make me go through the rigmarole of sending the god damned check to my mortgage people... it's stupid. They're not going to verify my actually getting the work done.
Because the mortgage company has an insurable interest in the home. If you decide to buy a boat, throw a Crack party, then let the house foreclose while you live on the beach in the Bahamas, then the insurance company gets to pay for those damages a second time when the mortgage company finds that nothing was repaired.
Oh let me clear that up, marble sized is not likely to damage a roof shingle. I don't have experience with hail on vehicles. As to your question, you are okay to turn on a claim as long as the storm occured during your policy period. It's a good idea to have an approximate when (and where for a vehicle) when you call.
Poking around a little, it looks like we had a pretty good hailstorm in the area on 6-17-15. 1" and golf ball size reported in some areas.
I also had a lot of stones in the gutters and on the ground, more than usual, I wonder if I should have the roof checked. It looks OK to me. It was a 30(?) year Owens Corning architectural put on about 12 years ago.
Am I reading this to mean that I should NOT go through the pile of business cards I've kept from nearly every single contractor (mostly roofers) I've met over the past 12 months, and start sending the ones I didn't get along with your way?
Smart Aleck. ;)
I'm gong to Home Depot and get another "No Trespassing" sign, and write "ESPECIALLY Roofing Contractors!" before I display it.
Smart Aleck. ;)
I'm gong to Home Depot and get another "No Trespassing" sign, and write "ESPECIALLY Roofing Contractors and pink legged baby donkeys!" before I display it.
FIFY
WhyTF do they make me go through the rigmarole of sending the god damned check to my mortgage people... it's stupid. They're not going to verify my actually getting the work done.
Because some jackwagons screwed it up for the rest of us. My mortgage company only freed up 10% of the check, so we had to come up with the rest of the 50% to get the work started. The mortgage company actually sent an inspector to make sure the work was done before freeing up the rest of the insurance money which effectively paid us back minus the deductible.
People gaming the system messed it up for the rest of us.
From what I understand from people in the industry, early impact resistant stuff was a joke, but the newer stuff is getting better.
The old shingles made hail stones sound like they were bouncing off plywood. The new IR shingles are so quiet compared to the old ones. We were able to get a homeowners insurance discount with the IR shingles.
Speaking of insurance, your agent likely knows some reputable roofing/construction companies that will give you an honest assessment of your roof. Avoid volunteer "inspectors" like the plague.
I get to pick out a bunch of that stuff on Friday.. the fun begins.
WhyTF do they make me go through the rigmarole of sending the god damned check to my mortgage people... it's stupid. They're not going to verify my actually getting the work done.
+1,000 but as others said its understandable. I've never had a company send an inspector btw. Nor had anyone ask for contracts, receipts, or any other proof the work was done. Insurance company cared but that was it.
What's really fun is when the roofers try to get supplement after supplement going on for months. That all goes through the same process. And then your mortgage is transferred while that is happening. Yeah, that happened. It's like I worked for the damn roofing company.
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