Hail NO!

[Irving]

From what I understand from people in the industry, early impact resistant stuff was a joke, but the newer stuff is getting better.

[Gman]

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.

[TFOGGER]

We went with standing seam metal for that very reason. At least if we have significant hail damage, it'll be easy to see.

[Monky]

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.

[Gman]

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.

[Skip]

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.

[Irving]

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.