#2396503 - 05/18/11 06:13 PM
Re: insurance adjuster just left
[Re: Buck Nekkid]
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rem270
16 Point
Registered: 11/15/02
Posts: 17358
Loc: south fulton
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cool deal.
im thinking seriously about when i have a new roof put on having them just knock the chimney off and shingle over it. chimneys are nothing but leak hazards.
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#2396588 - 05/18/11 07:53 PM
Re: insurance adjuster just left
[Re: RodBone75]
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Hangnail
12 Point
Registered: 11/30/00
Posts: 6021
Loc: Murfreesboro, TN
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You'll get a second check after the roof is replaced for the recoverable depreciation. Just make sure the contractor fills out a certificate of completion and it gets faxed in.
If enough siding can't be salvaged from the whole replacement side to fix the couple of pieces in the front, make dang sure the new siding matches or have them replace the whole front. Look at it in bright sun, cloudy skies, early in the morning and late in the evening. The insurance company has to make you "whole" if you have replacement cost homeowners insurance. They'll love you for it. Good luck.
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#2396956 - 05/19/11 08:41 AM
Re: insurance adjuster just left
[Re: TennBuck]
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DOC1187
16 Point
Registered: 06/14/08
Posts: 10378
Loc: east tn
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#2397120 - 05/19/11 11:34 AM
Re: insurance adjuster just left
[Re: DOC1187]
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arctic_cat
8 Point
Registered: 11/18/08
Posts: 1943
Loc: Lenoir City,Tn
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I have about 4 wet spots in our ceilings and my adjuster got me a whopping $1700 check and told me to go get some paint. I was hoping for little bit more so I could just put a roof on myself
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#2397357 - 05/19/11 05:43 PM
Re: insurance adjuster just left
[Re: arctic_cat]
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Hangnail
12 Point
Registered: 11/30/00
Posts: 6021
Loc: Murfreesboro, TN
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Artic_cat, if you don't think that sum will fix your problem, pm me. You probably have options. I will say it will be a cold day in hell that my roof will look like it has a zipper. They don't fix cars that way and they shouldn't offer to pay to fix your house that way. If the insurance companies were right all of the time, there would be no such thing as a public adjuster and there wouldn't be a bad faith law on the books.
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#2397430 - 05/19/11 07:11 PM
Re: insurance adjuster just left
[Re: Hangnail]
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RAFI
10 Point
Registered: 12/20/09
Posts: 2552
Loc: Tn
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my stepdad works for a good co.They are going to put my roof on.i will put you in touch with them if you want.they are busy now like all the others.My agent is not offering enough money for my roof so they are going to try to get more money for me.
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#2398141 - 05/20/11 03:35 PM
Re: insurance adjuster just left
[Re: RAFI]
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JeepKuntry
16 Point
Registered: 01/20/04
Posts: 13237
Loc: Clinton, TN
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How old was your roof? 30% depreciation makes me think 6-8 years old. Every company we represent will replace the roof if you have replacement cost. The only exceptions is if at inspection, it is deemed that the roof was so old that it already needed to be replaced. I will say I would not be surprised if all insurances companies go to acv on a roof.
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they are going to repair and paint the ceiling in the living room where we had the leak and reseal the chimney.he said they would get back to me in a couple of days with the covered amount.
