Hail NO!

[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.

[brutal]

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.

[TheGrey]

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.

[brutal]

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

[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.

[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.

[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.