Home owners insurance threatned to annul?
my home owners insurance sent me a letter stating i need brand new shingles, not a new roof but new shingles b 4 winter sets surrounded by or i will be dropped i cant believe this my shingles look fine but i guess i will replace them can u all tell me the pros and cons of replaceing unmarked shingles since i have never heard of this r have it done
Answers:
Yes, since adjectives the terrible storms in the finishing few years, insurance companies are beginning to drop many culture.
Have an inspector take a look at your roof. If it is not true, get a bright insurance company.
I would verify with my agent the authenticity of the dispatch first.
Have a contractor look at the roof and see if there is any hail despoil to your roof. If there is, you can get the insurance company to replace the roof. Have the contractor within when the insurance inspector comes to look at it.
If there is only one or two layer of shingles on your house you don't need to take rotten any shingles, just shingle over them. You can have up to three layer without a problem.
Shingles are usually guaranteed for X amount of years depending on the quality of the shingles. If basically applying a new layer of shingles you can effortlessly do this yourself. I've done it several times.... with my dad and my husband! So if a Girl can do it so can you! ;^)
How old is it ? Yes some insurance companies are using the tactic of telling general public to replace things just so they can drop them if they are not replaced. You can call them and ask for a written basis for them requesting the shingles be replaced. You can also have it inspected and if your inspector says OK next you will have to fight beside the insurance co. Have you had claims before ? They may of late want to get rid of you for that.
What is their reason for requiring you to replace the shingles (which by the way IS a tentative roof) Are they deteriorated? Are they shake (wood) shingles. These are a fire hazard and are outlawed in frequent areas. You can re-roof yourself, but it is alot of work. If you do it yourself, check how many layers of shingles you hold already, since you may have to tear-off. Most of the U.S. allows a max of three layers.
for the past few year we hold had some really bad storms, and insurance companies own paid out the fanny for these storms With this being said, i am not sure how copious times they have redone your shingles. Most companines will only just put new shingles on top of the frail ones, however, i would check with my insurance company, ask are they wanting you to remove the old ones, to the deck or if the roofers can just put new shingles higher than the existing ones. Either way is good. If the insurance allows you to put bright on top of old, please weigh out the costs. If they own to remove to decking, they will have to put a huge dumpster contained by your yard to scrap stale the old, then put down strange paper, then shingles. This will affix to your expense, now if the insurance company will allow you to add higher than the existing ones, then the cost will not be as bad. and you enjoy more up there than before and help keep the water out of the house better. however, hold in mind that you can't have more after 5 layers of shingles with removal.
Before you start this do two things:
1. Check beside insurance to find out which way is exceptable. If either is weigh out your option.
2. Call your local BBB, ASK THEM WHO HAS HAD COMPLAINTS, AND WHOM THEY RECOMMEND. If you find one on your own, check with them before you hire anyone.
3. whomever you choose, find out the contribution plan, is it 1/3 up front, 1/3 in middle and 1/3 upon job individual finished. Read contract very careful, don't only sign. If this is going to take more than a day, are they going to cover the roof nightly as a protection within case it does rain., if they don't who pays if it ruins the deck and rains inside your home and your ceiling falls down (can and does happen, crop up to hubbys aunt and she had to pay for the contractors mistake) ASK QUESTIONS!
hope this help
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Answers:
Yes, since adjectives the terrible storms in the finishing few years, insurance companies are beginning to drop many culture.
Have an inspector take a look at your roof. If it is not true, get a bright insurance company.
I would verify with my agent the authenticity of the dispatch first.
Have a contractor look at the roof and see if there is any hail despoil to your roof. If there is, you can get the insurance company to replace the roof. Have the contractor within when the insurance inspector comes to look at it.
If there is only one or two layer of shingles on your house you don't need to take rotten any shingles, just shingle over them. You can have up to three layer without a problem.
Shingles are usually guaranteed for X amount of years depending on the quality of the shingles. If basically applying a new layer of shingles you can effortlessly do this yourself. I've done it several times.... with my dad and my husband! So if a Girl can do it so can you! ;^)
How old is it ? Yes some insurance companies are using the tactic of telling general public to replace things just so they can drop them if they are not replaced. You can call them and ask for a written basis for them requesting the shingles be replaced. You can also have it inspected and if your inspector says OK next you will have to fight beside the insurance co. Have you had claims before ? They may of late want to get rid of you for that.
What is their reason for requiring you to replace the shingles (which by the way IS a tentative roof) Are they deteriorated? Are they shake (wood) shingles. These are a fire hazard and are outlawed in frequent areas. You can re-roof yourself, but it is alot of work. If you do it yourself, check how many layers of shingles you hold already, since you may have to tear-off. Most of the U.S. allows a max of three layers.
for the past few year we hold had some really bad storms, and insurance companies own paid out the fanny for these storms With this being said, i am not sure how copious times they have redone your shingles. Most companines will only just put new shingles on top of the frail ones, however, i would check with my insurance company, ask are they wanting you to remove the old ones, to the deck or if the roofers can just put new shingles higher than the existing ones. Either way is good. If the insurance allows you to put bright on top of old, please weigh out the costs. If they own to remove to decking, they will have to put a huge dumpster contained by your yard to scrap stale the old, then put down strange paper, then shingles. This will affix to your expense, now if the insurance company will allow you to add higher than the existing ones, then the cost will not be as bad. and you enjoy more up there than before and help keep the water out of the house better. however, hold in mind that you can't have more after 5 layers of shingles with removal.
Before you start this do two things:
1. Check beside insurance to find out which way is exceptable. If either is weigh out your option.
2. Call your local BBB, ASK THEM WHO HAS HAD COMPLAINTS, AND WHOM THEY RECOMMEND. If you find one on your own, check with them before you hire anyone.
3. whomever you choose, find out the contribution plan, is it 1/3 up front, 1/3 in middle and 1/3 upon job individual finished. Read contract very careful, don't only sign. If this is going to take more than a day, are they going to cover the roof nightly as a protection within case it does rain., if they don't who pays if it ruins the deck and rains inside your home and your ceiling falls down (can and does happen, crop up to hubbys aunt and she had to pay for the contractors mistake) ASK QUESTIONS!
hope this help
Related Questions: