On Mon, 02 May 2011 16:05:48 -0500, JimT wrote:

On 5/2/2011 12:39 PM, ms960 wrote:
There was a hailstorm that came through our area last year, and I got
around
to filing a claim as I suspected that some damage was sustained to our
roof.
Just about everyone on our street had suffered roof/siding damage as well.

The adjuster came out and found no damage to the roof, but did find damage
to the siding, so they paid a claim to have the siding repaired only.

My siding is fine, the damage is cosmetic. The roof is shot and
desperately
needs replacing. Can I use the claim money paid for the siding to replace
the roof instead? What trouble will I get myself into? My insurance
company is USAA.

Need help/advice as I'm going to have to figure out how to cough up almost
$10k if I have to replace the roof out of pocket.

Thanks!



Have a trusted roofer come out and assess your roof. Then submit the
claim to your insurance company.

Jim
His roof is shot, but apparently not hail damaged, so it is not an
insurance claim. He needs to replace the roof, even if it means a
second mortgage on the house to pay for it.