How do I come up with $6k?

nadams
nadams Posts: 5,877
edited September 2009 in The Clubhouse
I think I might start selling some of those spare organs I don't need....

Just got a quote for new roofing, facia, and gutters for the house. $6k. Now, to a lot of you, that's going to seem like pocket change for this kind of work, especially with 30yr architectural shingles. Buuuut... that's $6000 that I don't have.

Guess it's time to hit the banks.... again.
Ludicrous gibs!
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  • nadams
    nadams Posts: 5,877
    edited September 2009
    BTW- this wasn't exactly an unexpected thing... but I wasn't expecting to have to do it 'til next year. That is, until a wind storm came through and busted up some of my existing shingles, which are of an unknown, but old vintage.
    Ludicrous gibs!
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  • exalted512
    exalted512 Posts: 10,735
    edited September 2009
    donate plasma/sperm
    -Cody
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  • SKsolutions
    SKsolutions Posts: 1,820
    edited September 2009
    Patch it in if possible. Tar, whatever works. Weave-in the new shingles, get a case of caulking for along the rake . .soffit, and facia. :D

    It must only be one layer if that only goes for 6K. Also, don't let them charge you too much more for the Arch-shingle, there about a buck more per bundle. . . at least here in Taxachusetts.
    -Ignorance is strength -
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  • nadams
    nadams Posts: 5,877
    edited September 2009
    I should have him quote it with regular 25yr 3-tabs, too. All in all, this company is good in my book. I've got several personal references who say they're good people. He did mention it's only "a few" $$$ more for the arch shingles, so he usually just quotes straight to that, since they look nicer. I agreed, and that's the quote he gave me.

    And, AFAIK, there's only one layer on each of the roofs. This also included a low-pitch carport roof that's he's quoted a rolled rubber coating on... probably one of those torch-on jobs. That was 2k alone, so that could be cut out if necessary.
    Ludicrous gibs!
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  • nadams
    nadams Posts: 5,877
    edited September 2009
    I'll take some pics tomorrow so you can see how bad it really is.
    Ludicrous gibs!
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  • obieone
    obieone Posts: 5,077
    edited September 2009
    If your h.o. insurance covers 'lightning strikes', then I'd try giving lightman a call. I'm sure he can rig SOMETHING up:eek::D
    I refuse to argue with idiots, because people can't tell the DIFFERENCE!
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  • nadams
    nadams Posts: 5,877
    edited September 2009
    And he's even been here before, so he's familiar with the local electrical architecture :p

    Just so you know... the "patching and tar" stage was last year... but now the main roof is flaking, and I'm not getting on the 2nd story to patch that ****. 1st floor is fine, but I'm not going up that far!
    Ludicrous gibs!
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  • hockeyboy
    hockeyboy Posts: 1,428
    edited September 2009
    Look always negotiate. He will want to close a deal but I generally would say "I would definitely go for it on your timetable, but it's about $1,200 over budget." Offer to make it a bit easier on him somehow in exchange for a reasonable discount. It's always worked for me.
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  • obieone
    obieone Posts: 5,077
    edited September 2009
    Get at least 3 quotes, and make sure ALL 3 are registered, licensed, bonded in your county/ state, and don't have any red flags. The last thing you want is some 'undocumented' ending up in a wheelchair on YOUR property.
    I refuse to argue with idiots, because people can't tell the DIFFERENCE!
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  • Ron-P
    Ron-P Posts: 8,516
    edited September 2009
    How do I come up with $6k?

    Sexy clothes and a street corner?



    Or, if you don't have one already a HELOC is quite nice. After we paid our house off we opened up one of these. It's come in quite handy for all the remodeling we've done and at 3% interest I'm not going to lose any sleep.
    If...
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  • tryrrthg
    tryrrthg Posts: 1,896
    edited September 2009
    If you have wind damage why not try filing a claim with your insurance company?
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  • WilliamM2
    WilliamM2 Posts: 4,771
    edited September 2009
    nadams wrote: »
    I think I might start selling some of those spare organs I don't need....

    Just got a quote for new roofing, facia, and gutters for the house. $6k. Now, to a lot of you, that's going to seem like pocket change for this kind of work, especially with 30yr architectural shingles. Buuuut... that's $6000 that I don't have.

    Guess it's time to hit the banks.... again.

    Ever consider doing it yourself? I was quoted $6800 for mine, with standard 25 year three tab shingles. Ended up doing it myself with 40 year architectural shingles for about $2800. Unlike the roofer, that also included a complete tear off, adding ridge vents, all new vent boots, 6 ft of ice shield, and new chimney flashing.

    My brother and I did it over a three day weekend, a hell of a lot of work, but a $4000 savings made it worthwhile.
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  • pearsall001
    pearsall001 Posts: 5,066
    edited September 2009
    nadams wrote: »
    BTW- this wasn't exactly an unexpected thing... but I wasn't expecting to have to do it 'til next year. That is, until a wind storm came through and busted up some of my existing shingles, which are of an unknown, but old vintage.

    Contact a Public Adjuster if you had wind damage. PM me if you have any questions.
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  • dorokusai
    dorokusai Posts: 25,577
    edited September 2009
    Start stripping.
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  • wallstreet
    wallstreet Posts: 1,405
    edited September 2009
    I'm not sure why homeowners doesn't cover it. When hail damaged my roof, I got $15K to replace it.
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  • 4406bbl
    4406bbl Posts: 194
    edited September 2009
    Go to craigslist under services and find a roofing crew,you can find them for 40-60 a square for labor and buy your own materials,should save you half.
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  • Jstas
    Jstas Posts: 14,806
    edited September 2009
    pearsall001 wrote: »
    Contact a Public Adjuster if you had wind damage. PM me if you have any questions.

    That's what I was thinkin'. They'll cover a good chunk if not all of it and your insurance bill shouldn't take a big hit either.

    But honestly, if you're getting all that done for $6K and a 30yr guarantee, that's a pretty good deal.
    Expert Moron Extraordinaire

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  • 66chevyIISS
    66chevyIISS Posts: 857
    edited September 2009
    you could rob a bank.
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  • polksda
    polksda Posts: 716
    edited September 2009
    I feel your pain... although that appears to be a very reasonable price (don't know the size of your house though).

    I just had my roof done last week. My house is a simple ranch, about 1,300 square feet. The 5 estimates I got ranged from $5,400 to $8,000. Went with Certainteed 30-year architectural shingles.

    I saw the roof after the tear-off, before they started putting things on, and both the roofer and I were amazed - sections were rotted through, and others had been eaten through by raccoons and squirrels. It looked like a disaster area. It ended up being more work than the roofer anticipated. The job ran a day longer than he estimated. He held to his quote though.

    Now in two weeks another company is coming in and the 40-year-old aluminum siding is being torn off, and new sheet insulation and vinyl siding is being put on. New soffits. New fascia. New construction windows and doors throughout. New gutters.

    All told, when everything is done, the bill will be about $15K for all the work I've had done.

    I took out a home equity line of credit (2nd mortgage) to do it, since I had the equity to do so and still be under the 80% LTV ratio. Once all the work is done, I will then have the house appraised (presumably the value of the property will go up based on the work I just had done), and roll it all into a new 1st mortgage as well as get cash out to gut the bathroom.

    The joys of home ownership. Not.
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  • beemer
    beemer Posts: 155
    edited September 2009
    A very reasonable price. My home circa 1925, had 4 layers of asphalt shingles over the original cedar shake roof. What a nightmare. The added on breezeway and 2 car garage had only one layer. I stripped the whole thing.

    Of course now being 1925 the main house had boards as underlayment for the main roof, spaced too far apart for modern shingles once all the ancient crap was removed.

    By the time all was said and done.....I had spent $10K plus the cost of a 30 yard dumpster for take-off. LOL the 30 yarder was full to overflowing. the main house lost in my estimation aprox. 8 ton of weight on the roof.

    As others said in the thread, if there was wind damage, and you have homeowner's insurance, I'd look there first.

    Best of luck regardless. Your home needs a good roof no matter what.

    Best,

    Paul
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  • GMiller
    GMiller Posts: 123
    edited September 2009
    polksda wrote: »
    Now in two weeks another company is coming in and the 40-year-old aluminum siding is being torn off, and new sheet insulation and vinyl siding is being put on. New soffits. New fascia. New construction windows and doors throughout. New gutters.

    QUOTE]

    There's a rebate right there. Take all that aluminum to the recycler. Or, just let it be known in certain meth circles that your siding is aluminum and take a weekend out of town. Voila! No siding!
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  • danger boy
    danger boy Posts: 15,722
    edited September 2009
    I would get a home improvement loan.. 6K isn't horrible... and you can always pay it off faster if you get a bonus or tax refund next year. I'm a big believer of loans. you may get a 4 yr loan, but who says you can't pay it off in like 36 month's instead of letting it go for the entire 48? with every loan I get, i always pay it off ASAP, and end up saving quite a bit in interest fees. Most of my tax returns are put towards loans that I may have a balance on.
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  • danger boy
    danger boy Posts: 15,722
    edited September 2009
    GMiller wrote: »
    polksda wrote: »
    Or, just let it be known in certain meth circles that your siding is aluminum and take a weekend out of town. Voila! No siding!

    sad but true... ;)
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  • raidersrule76
    raidersrule76 Posts: 471
    edited September 2009
    I think a quote with 3 tabs will be more. More labor involved than other shingles at least that what all the guys around here say they all hate 3 tabs now.

    best of luck to ya and yes get more quotes and compare everything, or like has been said do it yourself its really not all that bad just a lot of work.

    mark
    Sig to be updated after dealing with the insurance company:(:(:(
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  • nooshinjohn
    nooshinjohn Posts: 25,381
    edited September 2009
    Last I checked, I think Dog the Bounty Hunter was looking for Lightman... that has to be worth some coin right there
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  • nadams
    nadams Posts: 5,877
    edited September 2009
    I've done roofing on a low-pitch ranch house, but that was single story, and easy to walk on. The main house roof is two storys up and a steep pitch (narrow roof). Plus the cost of getting a roll-off, my time to do it, the cost of a few new ladders (I have no extension ladders), and the cost of my hospital bills after I fall off the roof... I think I'll stick with a contractor.

    Still going to get a few more quotes. This may end up being a "fingers crossed it makes it through the winter" situation.
    Ludicrous gibs!
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  • nadams
    nadams Posts: 5,877
    edited September 2009
    raidersrule76 wrote: »
    I think a quote with 3 tabs will be more. More labor involved than other shingles at least that what all the guys around here say they all hate 3 tabs now.

    best of luck to ya and yes get more quotes and compare everything, or like has been said do it yourself its really not all that bad just a lot of work.

    mark

    I did a small bit of 3tabs on my front porch before I bought the place. While it looks okay, you can tell they're not lined up perfectly if you really look at it. The lines wave all over. Can't blame the guy for quoting the arch. first. That's what I'd go with anyway.
    Ludicrous gibs!
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  • wutadumsn23
    wutadumsn23 Posts: 3,702
    edited September 2009
    danger boy wrote: »
    GMiller wrote: »

    sad but true... ;)

    LOL, Spokompton. The Meth and Mullet capitol!! :D

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  • reeltrouble1
    reeltrouble1 Posts: 9,312
    edited September 2009
    dorokusai wrote: »
    Start stripping.

    not a bad idea, but he's pretty skinny, better eat a couple whopper burgers first, you want paper dough not the two-bit coins.......

    RT1
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  • WilliamM2
    WilliamM2 Posts: 4,771
    edited September 2009
    nadams wrote: »
    I've done roofing on a low-pitch ranch house, but that was single story, and easy to walk on. The main house roof is two storys up and a steep pitch (narrow roof). Plus the cost of getting a roll-off, my time to do it, the cost of a few new ladders (I have no extension ladders), and the cost of my hospital bills after I fall off the roof... I think I'll stick with a contractor.

    Still going to get a few more quotes. This may end up being a "fingers crossed it makes it through the winter" situation.

    I hate going up on a steep pitched roof, can't blame you there.
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