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Insurance Question: How Do I Go About This?

Home ▸ Archive ▸ Serious Business ▸ Insurance Question: How Do I Go About This?
ernest_t_bass's avatar

ernest_t_bass

12th Son of the Lama

24,984 posts
May 27, 2011 10:27 AM
I have a leaky roof. I am going to repair it myself, put new shingles on. If the insurance company agrees to fix it, how do I go about this (getting a check from them) if I am doing the work myself? I basically want their money to cover the cost of the materials.
May 27, 2011 10:27am
Commander of Awesome's avatar

Commander of Awesome

Senior Pwner

23,151 posts
May 27, 2011 10:29 AM
Hire these guys
May 27, 2011 10:29am
ernest_t_bass's avatar

ernest_t_bass

12th Son of the Lama

24,984 posts
May 27, 2011 10:30 AM
Commander of Awesome;783028 wrote:Hire these guys

OK
May 27, 2011 10:30am
justincredible's avatar

justincredible

Nick Mangold

32,056 posts
May 27, 2011 10:30 AM
ernest_t_bass;783022 wrote:I have a leaky roof. I am going to repair it myself, put new shingles on. If the insurance company agrees to fix it, how do I go about this (getting a check from them) if I am doing the work myself? I basically want their money to cover the cost of the materials.

Why not see if they'll fix it and then get quotes so you don't have to do it yourself?
May 27, 2011 10:30am
C

Con_Alma

Senior Member

12,198 posts
May 27, 2011 10:37 AM
Will the materials cost more than $1,000.00?
May 27, 2011 10:37am
karen lotz's avatar

karen lotz

TuTu Train

22,284 posts
May 27, 2011 10:37 AM
QQ
May 27, 2011 10:37am
ZWICK 4 PREZ's avatar

ZWICK 4 PREZ

Senior Member

7,733 posts
May 27, 2011 10:40 AM
have this guy do it

May 27, 2011 10:40am
OneBuckeye's avatar

OneBuckeye

Senior Member

5,888 posts
May 27, 2011 10:47 AM
ZWICK 4 PREZ;783062 wrote:have this guy do it


+1
May 27, 2011 10:47am
iclfan2's avatar

iclfan2

Reppin' the 330/216/843

6,360 posts
May 27, 2011 10:50 AM
ZWICK 4 PREZ;783062 wrote:have this guy do it


+2
May 27, 2011 10:50am
Fab1b's avatar

Fab1b

The Bald A-Hole!!

12,949 posts
May 27, 2011 10:51 AM
You would have to file a claim with your ins co for them to even inspect it
May 27, 2011 10:51am
ernest_t_bass's avatar

ernest_t_bass

12th Son of the Lama

24,984 posts
May 27, 2011 11:14 AM
ZWICK 4 PREZ;783062 wrote:have this guy do it


Makes the most sense.
May 27, 2011 11:14am
ernest_t_bass's avatar

ernest_t_bass

12th Son of the Lama

24,984 posts
May 27, 2011 11:15 AM
Fab1b;783086 wrote:You would have to file a claim with your ins co for them to even inspect it

Yep, have contacted insurance. But how do I go about getting the check if I'm doing work myself?
May 27, 2011 11:15am
ernest_t_bass's avatar

ernest_t_bass

12th Son of the Lama

24,984 posts
May 27, 2011 11:15 AM
Con_Alma;783052 wrote:Will the materials cost more than $1,000.00?

I believe I have a $500 deductible.
May 27, 2011 11:15am
C

Con_Alma

Senior Member

12,198 posts
May 27, 2011 11:24 AM
O.K., but will the materials or your total cost be more than a $1,000.00???

It may not be worth making a claim if they aren't a lot higher than your deductible. Your insurance should be in place to cover catastrophic damage not necessarily smaller damages.
May 27, 2011 11:24am
karen lotz's avatar

karen lotz

TuTu Train

22,284 posts
May 27, 2011 11:25 AM
ernest_t_bass;783117 wrote:I believe I have a $500 deductible.

Ok.
May 27, 2011 11:25am
W

WebFire

Go Bucks!

14,779 posts
May 27, 2011 11:26 AM
Why is the roof leaking? Was it damage by an object. Insurance doesn't just pay for home improvement projects.
May 27, 2011 11:26am
ernest_t_bass's avatar

ernest_t_bass

12th Son of the Lama

24,984 posts
May 27, 2011 11:26 AM
karen lotz;783134 wrote:Ok.

OK?
May 27, 2011 11:26am
ernest_t_bass's avatar

ernest_t_bass

12th Son of the Lama

24,984 posts
May 27, 2011 11:27 AM
WebFire;783137 wrote:Why is the roof leaking? Was it damage by an object. Insurance doesn't just pay for home improvement projects.

Been in the house for two months. Shingles coming off. Leaky sky-lights.
May 27, 2011 11:27am
S

Steel Valley Football

Senior Member

4,548 posts
May 27, 2011 11:30 AM
Sounds fishy.
May 27, 2011 11:30am
C

Con_Alma

Senior Member

12,198 posts
May 27, 2011 11:37 AM
Is it a newly constructed house?

I'm no insurance adjuster but based on what you have shared I don't believe this is even something that should be covered.

Stuff wears out...even on a house. When that deterioration shows up it's your responsibility to fix it.

Now if a storm caused the damage as opposed to the storm revealing the damage that's another story.

A couple of shingles blown off and a leaking skylight just doesn't seem like a storm caused result to me.
May 27, 2011 11:37am
ernest_t_bass's avatar

ernest_t_bass

12th Son of the Lama

24,984 posts
May 27, 2011 11:41 AM
Con_Alma;783167 wrote:Is it a newly constructed house?

I'm no insurance adjuster but based on what you have shared I don't believe this is even something that should be covered.

Stuff wears out...even on a house. When that deterioration shows up it's your responsibility to fix it.

Now if a storm caused the damage as opposed to the storm revealing the damage that's another story.

A couple of shingles blown off and a leaking skylight just doesn't seem like a storm caused result to me.

Kinda what I figured. I'll have the insurance lady take a look anyway, just for shits and giggles.
May 27, 2011 11:41am
C

Con_Alma

Senior Member

12,198 posts
May 27, 2011 11:45 AM
Might as well. If you don't make a claim it doesn't seem like there would be any harm in having them take a look.
May 27, 2011 11:45am
K

kayo

Senior Member

126 posts
May 27, 2011 11:45 AM
Why the hell didn't you ask the insurance company when you talked to them?

"Y'know, I'll probably get a better answer from the morons on OC"
May 27, 2011 11:45am
V

vball10set

paying it forward

24,795 posts
May 27, 2011 11:48 AM
ernest_t_bass;783111 wrote:Makes the most sense.

I agree
May 27, 2011 11:48am
V

vball10set

paying it forward

24,795 posts
May 27, 2011 11:49 AM
ZWICK 4 PREZ;783062 wrote:have this guy do it

ernest_t_bass;783111 wrote:Makes the most sense.

I agree
May 27, 2011 11:49am