Roofing advice?

charley96

txcoastal1 wrote: »

charley96 wrote: »

The old movie "The Traveler's" with Bill Paxton is good reason to never give $$ to a door knocker.

Kinda depends on how big the knockers are

If it was Kelly Brook, I'd give her all my money.

mhardy6647

invalid

Building code here in Michigan allowed 3 layers when I first started roofing.

mhardy6647

invalid wrote: »

Building code here in Michigan allowed 3 layers when I first started roofing.

whoa.

lunazul

charley96 wrote: »

Hopefully State Farm will take care of this for me even though my homeowners always increases every year for never making a claim

My experience with S.F. was to be denied the claim upon first go round. I contested their decision and requested a different inspector/appraiser who approved a total replacement. YMMV of course.

audioluvr

Looks like we are the only two on this forum tonight... I like any insurance company with the word "Farm" in it. They are all very customer oriented.

mhardy6647

anonymouse wrote: »

How much more expensive are steel roofs and are they worth the extra expense?

I don't know because we intended from the outset to go with a standing seam roof for this house, so we didn't price any other options.

They are worth the extra expense in "snow country", I think. Not sure about anywhere else.

Up here, I'd say 60-70% of all houses have 'em, but this is an area that historically gets quite a bit of snow every winter.

pitdogg2

My personal opinion is they are worth every penny. If done correctly the roof will outlast you and be worry free. My steel roof was no louder in rain and hail than my shingle roof in my experience.
I'd do it again if I needed to.

invalid

We charge about 3-5 times as much for a standing seam metal roof, it depends on how complex the roof lines are. I would definitely get the kynar 500 paint it holds up to the sun's Ray's better than anything else.

sucks2beme

Dallas was a tough area on roofs. Hail would pound down,
then the sun would finish the job. Standard shingles didn't last.
20 year shingles were a joke. 30 year would at least hang in there
for a few years. 10 years was an old roof.
There were only a few good options. Metal and some new stuff
made from recycled rubber were the two hot options.

charley96

Had my first guy look at the roof yesterday. My 30yr.17 yr. old Tamko shingles are crap and were installed wrong. Quite a bit of fiberglass hairs are showing through. Installer didn't use the right stair step pattern and too many seams line up. Of course the roofer is retired now. It's one layer and of course has to be torn off since they are a wood shake pattern. I guess I'll have to see what other roofers have to say and hope State Farm covers it. He couldn't really see much hail damage.

pitdogg2

Charlie my good buddy had some failing shingles, State Farm wanted them off his house because at some point in time a bunch of companies made some not up to par shingles during a period of time. It might be worth looking into that as well.

State Farm said to him it was cheaper to get it done now than to have a larger claim in the future...

audioluvr

I use Fabrall steel roofing. On my garage it's 25 years old and slightly faded but that all. I live in the mountains of Eastern Oregon. We get 8 ft of snow in the winter and in the summer it's 115F during fire season. Asphalt shingles burn like gasoline. Steel... Well doesn't

charley96

I would do a steel roof in a heartbeat if I wasn't moving in 5 years. Hell, I don't even know what kind of world we'll be living in, in 5years.

charley96

I've gotten several estimates so far. I'm seeing that most of these roofers are fly by night kind of guys. From my research metal roofing would come in cost wise about the same as shingles. Several companies claim that metal can go over a single layer shingle. I know it's considerably less labor to go over the top vs. tear off and re shingle.

Most of the roofers that looked at it say they don't see too much hail damage. I guess it will be up to the insurence adjuster in the end if they cover it. Estimates have been around 10 grand for a 22.5 square roof.

motorhead43026

I guess it depends on where you live. My roof last summer was 32sq, 30 year dimensional Certainteed Landmark shingles, $9350.00. Installed by a local reputable roofer A+ BB rating.

VR3

We pay on average 200 a Sq, 30 year arch, includes tear off and haul away

joecoulson

That’s a good number.

invalid

VR3 wrote: »

We pay on average 200 a Sq, 30 year arch, includes tear off and haul away

Materials must be way cheaper where you live, here in Michigan materials are $150 a square plus dump fees on top of that. Then on top of that you have wages, workman's comp and liability insurance.

invalid

See if you can file an appeal first, sometimes adjusters make bad calls.

Emlyn

Get some photos of the damage. Roofers seem to like taking them these days to show a homeowner what’s going bad on a roof. The insurance adjuster should have taken them too.

motorstereo

I just had my roof re-done in April. 12 square; strip and replace with 30 year architectural grade, water and ice underlayment, ridge vents installed, 3 story chimney taken down and all debris removed. $7,700. Having been on a roof or 2 myself I watched their every move and the workmanship was outstanding. My neighbor did his roof at the same time with a non reputable contractor and he had a leak. Like most things in life you get what you pay for in roofing to.

invalid

Unfortunately it probably is time to at least talk to a lawyer to weigh your options. What insurance company do you have?

pitdogg2

My crystal ball is leaning towards a new insurance company once this is settled.

afterburnt

My roof is coming Monday like it or not. Insurance is paying for hail damage from a year ago almost to the day. I am going in my pocket to do it with 2 inch insulation board. I hope it works, this house has no attic.

charley96

I'm still waiting on bids. Contractors are swamped from the hail storm a few weeks ago.
I'm dreading the time when the adjuster comes since I don't have much hail damage. I'll probably drop State Farm and find another company after all is done. Tired of rates increasing having never made a claim with them.

TroyD

Insurance rates go up....pretty much a fact of life regardless of company.

A roof is one thing you don't want to cheap out on.......do it right. Have the old shingles removed, inspect and replace plywood as needed.

If the hail caused the leak, SF will probably cover the new roof depending on how severe. If a lot of people in the area had issues as well you might be ok. Our house in NC got roof damage during a Hurricane a couple years ago and SF was great to deal with so you might be in luck......

motorhead43026

For example rates increase everywhere else because of hurricanes in FL, TX etc. You don’t have to file a claim for your rates to go up, but you get to help pay for others claims via higher rates.

And the reverse is true.

txcoastal1

Companies like Farmers and SF do not provide hurricane Coverage insurance. We purchase a supplemental insurance through a co-op of insurance through TWIA. TWIA does not cover any flooding, again this is another Flood policy which many Did not have during Harvey

mhardy6647

pitdogg2 wrote: »

My crystal ball is leaning towards a new insurance company once this is settled.

or 'rolling' as the case may be

but, yeah, seems like you're being jerked around.