Rain! Glorious Rain!!

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Originally Posted by SideShow Bob

Just stick an umbrella up through it, then open it up and pull down & duct tape around the edges.
That should hold you until at least through winter.

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Sounds like a Red Green repair [ROFL2]

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Originally Posted by Gman

As for the aerodynamics of your dimpled vehicle...how often do you use backspin? Have you ever hooked or sliced on the way to your job?

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I use backspin regularly in my daily commute and when necessary also hook and slice. It’s the best way to deal with traffic along the front range.

Insurance said it's 50/50 that we need a new roof. I interpret that as I absolutely need a new roof but they're going to try to find some reason that I "don't need a roof". They're supposed to be coming over with some drone that can detect the impact spots today. I'm kinda interested to see how that works.

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Originally Posted by izzy

Insurance said it's 50/50 that we need a new roof. I interpret that as I absolutely need a new roof but they're going to try to find some reason that I "don't need a roof". They're supposed to be coming over with some drone that can detect the impact spots today. I'm kinda interested to see how that works.

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The longer you hold out (more time), more depreciation they can deduct once your roof is finally totaled. Saves them money.

I would ask about premium increases from the claim. Usually a claim here or there won't hurt you individually. We are all paying higher premiums because of all the claims anyway. Even my auto policies are going up considerably.

So if you forgo a new roof you will be paying for your neighbors' anyway.

Why we are still paying for composite shingles, and keep replacing it, in this state is beyond me.

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Originally Posted by Skip

The longer you hold out (more time), more depreciation they can deduct once your roof is finally totaled. Saves them money.

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Maybe it varies by policy, but this was not the case when my roof was replaced last year.

My roof was at least 20 years old. So I figured they'd pay me for at most 50% of the replacement due to depreciation. And the initial check they cut was for about 50%. But once the roof was complete, they paid me the other 50%. So they paid 100% of the roof cost minus my deductible, even with a roof that I had pretty much gotten all the life out of it.

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Originally Posted by Skip

The longer you hold out (more time), more depreciation they can deduct once your roof is finally totaled. Saves them money.

I would ask about premium increases from the claim. Usually a claim here or there won't hurt you individually. We are all paying higher premiums because of all the claims anyway. Even my auto policies are going up considerably.

So if you forgo a new roof you will be paying for your neighbors' anyway.

Why we are still paying for composite shingles, and keep replacing it, in this state is beyond me.

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Nah

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Originally Posted by Irving

Is this still a hail thread?

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No sir! It is now an insurance claim Q&A thread.

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Originally Posted by ray1970

I’ll climb up and take a look. Maybe tomorrow or Thursday. It looks pretty good from the ground.

The wife thinks I should file a claim and get my truck fixed. I’m leaning towards just enjoying the fuel savings from the aerodynamic efficiency of the dimples.

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File a claim and put the money towards some debt?

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Originally Posted by Wulf202

File a claim and put the money towards some debt?

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Lien holder would probably throw a wrench in that plan since their name might be on the check.

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Originally Posted by Irving

Lien holder would probably throw a wrench in that plan since their name might be on the check.

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Have you ever had one actually check after the work is done?

Once they didn't even care/follow up. Another time a letter from the roofing company was good enough.

I know they send plenty of language once they endorse the check about getting it done, default, fraud, etc, etc, etc... In the mortgage you do agree to keep the home in good repair. I've never wanted to test it but it seems they really don't care.

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Originally Posted by Irving

Nah

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Ok.