Hail!

[DenverGP]

Semi-related question: my roof is old (at least twenty years old) and old three-tab shingles... if I did get hail damage, would insurance cover any of it? I wouldn't think so, but wanted to find out from some of our people in the biz.

[Big E3]

I usually get hail at my place about once every two years. It's usually pea sized and seldom lasts more than a minute or two.

My truck is always parked out in the driveway. Zero hail damage in seventeen years.

Also, my roof is right twenty years old.

I do feel bad for all of you guys that keep getting pounded.

Ray, it sounds like you need a hail storm. Otherwise you’re going to be paying the whole bill to replace a 20-year-old roof pretty soon. But you may want to get you truck in the garage before it happens.

[Dave_L]

Semi-related question: my roof is old (at least twenty years old) and old three-tab shingles... if I did get hail damage, would insurance cover any of it? I wouldn't think so, but wanted to find out from some of our people in the biz.

Look at your policy. Every policy will be different on the roof stuff but you very well could have full benefit for it....or you may only get 30%.

[TRnCO]

Coworker of mine lives in the springs and will be needing a new roof, new siding, new windows in vehicles, etc. etc. Has stones in his freezer, and pictures of stones measuring 2.5". Guess he lives right in the heart of the area that got slammed last night.
He said his dog was still freaked out this morning, from the storm.

[Irving]

My roof probably won't get done til fall . . . like August or Sept. The adjuster from State Farm was out the other day and said "yup--your roof is trashed . . . but it's not a leak danger and you might as well wait til after hail season to replace it." Many of my neighbors have gotten theirs done already, but some of them had bad leaks.

Since we could get another storm yet this summer (or several) I'll just ride it out rather than risk another deductible coming up.

There were significant hail storms on Sep 29th in both 2014, and 2015.

Semi-related question: my roof is old (at least twenty years old) and old three-tab shingles... if I did get hail damage, would insurance cover any of it? I wouldn't think so, but wanted to find out from some of our people in the biz.

It depends on your policy. Some companies (The Hartford) have gone to straight ACV policies and a 20-year old roof won't have much actual cash value. Other companies (Allstate) have gone to a roof payment schedule, which is slightly better than an ACV policy, but more or less the same thing. Even within those companies, there are different policies so you may still have full replacement cost. Alternatively, some companies treat 20-year 3-tab shingles like T-locks and will total the roof with only a few, marginal hail hits.

Ray, it sounds like you need a hail storm. Otherwise you’re going to be paying the whole bill to replace a 20-year-old roof pretty soon. But you may want to get you truck in the garage before it happens.

Same as above, it really depends on the policy.

[Firehaus]

I had to buy gap insurance to cover the roof since insurance won't pick up the tab until it's over around $120k. New roof cost is $80-$90k.


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[jslo]

Hail at our place was strange. I sat on the front porch listening to a stone hit the neighbor to the rights roof then a stone hitting the neighbor's car across the street take a hit. They were an inch plus but kind of like taking turns dropping from the sky. It last about 10 minutes and was pretty cool until I took a recochet to the collar bone.

[jerrymrc]

We got hit good.

[Irving]

Hail at our place was strange. I sat on the front porch listening to a stone hit the neighbor to the rights roof then a stone hitting the neighbor's car across the street take a hit. They were an inch plus but kind of like taking turns dropping from the sky. It last about 10 minutes and was pretty cool until I took a recochet to the collar bone.

Generally, the larger the stones, the wider the dispersion of stones will be. If you have a storm last an hour though, then it won't matter.

[Irving]

Sounds like it's a commercial residential property. HOA policies for condos often have $10,000 deductibles, so if something happens in the common space that causes damage to your place, but the damage is under $10,000, the HOA won't even file a claim. Anyone who lives in a condo should find out what the HOA deductible is and make sure they have the appropriate coverage to cover the gap. I can't think of the term right now since I've been out of claims for a bit.