Quote:
Originally Posted by tonyt57
No body scammed anybody. If one doesn’t need a new roof, the insurance adjuster and the insurance co can deny the claim.I actually had an adjuster soliciting roof work. When I called my insurance co they were fine with that, no conflict! The insurance co won’t lose, they raise your rates , the roofers are happpy, and the shingle manufacturers are happy that nobody is asking why a 30 year shingle needs replacing in 10 or 15 years
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People with mortgages generally have replacement value through their home insurance.
I recently moved from Virginia. About 4 years ago I spoke with a neighbor who was having his roof replaced. He told me the insurance was covering it because of the hail storm we had 3 months prior. He pointed to a half dozen other roofs in the immediate neighborhood scheduled to get a new roof due to the storm. My house, which was one of the newer ones, was over 20yo and could use a refresh before I put it up for sale in few years. A few spots of hail damage was found, so the insurance replaced my roof. Soon, all the neighbors were having their roofs inspected.
I know this was the coverage I had paid for, but it did seem to good to be true for 2+ doz homes, all 20+ years old getting new roofs.
On a funny note, my friend across the street’s insurance company couldn’t find any damage on his house even though every house, two deep, around him had a roof replaced.
