asphalt shingles blown off in wind storm
We recently had a windstorm move through our area of Washington (yeah,
we're all over the news) that deposited about 20-30 of my asphalt shingles all over my backyard. I looked at the roof carefully, and there's no plywood showing, the places where shingles came off still have shingles underneath, there were and are no leaks. Is it necessary to have these replaced immediately, or is it even necessary at all? If I need to replace them eventually, how does one go about replacing individual shingles? |
asphalt shingles blown off in wind storm
On Dec 5, 12:02 am, Joe wrote:
We recently had a windstorm move through our area of Washington (yeah, we're all over the news) that deposited about 20-30 of my asphalt shingles all over my backyard. I looked at the roof carefully, and there's no plywood showing, the places where shingles came off still have shingles underneath, there were and are no leaks. Is it necessary to have these replaced immediately, or is it even necessary at all? If I need to replace them eventually, how does one go about replacing individual shingles? Hey! I know looking down onto the roof, it looks like there could be no harm in waiting before replacing the missing tabs...but do not do it! The shingles are laid in a specific geometric pattern. The manufacturer's detail nail palcement, nail length, and the proper math for cutting the shingles so that they align, seal, and last as a water protectant for your home. When one or more are missng, the entire roof is compromised and only worse things are in store (mold, wood rot, collpasing cielings, etc). Roofs are expensive, I know, but if your home could be protected by having LESS material, it already would! In other words, Nope, you cannot protect your home if any pieces are gone! To find a good roofer who will fix your missing material, fairly reasonably, try this, shoot some digital pics of your roof, and a close up of the shingles laying on the ground. Call around and explain what happened, and offer to email over the pics. If a roofer can see the slope, height, and color of the shingles, he can offer you a much better price because he can see how much effort and can pick up the right color, before coming over. If you can save a man, time and gas, as well as, make it easier for him, he can give you a better price! In my market, what you described could be fixed for approx, $100. bucks, if I knew what ladders I needed, and did not have to leave to go buy the proper color. Good Luck! |
asphalt shingles blown off in wind storm
On Tue, 4 Dec 2007 22:22:03 -0800 (PST), Roof Time Cincinnati
wrote: Thanks a lot for th advice. This helps a lot. The problem will be that so many people around here have roofs that were completely destroyed, I suppose I'll wind up on a very long waiting list. But at least I know I need to get it done. Hey! I know looking down onto the roof, it looks like there could be no harm in waiting before replacing the missing tabs...but do not do it! The shingles are laid in a specific geometric pattern. The manufacturer's detail nail palcement, nail length, and the proper math for cutting the shingles so that they align, seal, and last as a water protectant for your home. When one or more are missng, the entire roof is compromised and only worse things are in store (mold, wood rot, collpasing cielings, etc). Roofs are expensive, I know, but if your home could be protected by having LESS material, it already would! In other words, Nope, you cannot protect your home if any pieces are gone! To find a good roofer who will fix your missing material, fairly reasonably, try this, shoot some digital pics of your roof, and a close up of the shingles laying on the ground. Call around and explain what happened, and offer to email over the pics. If a roofer can see the slope, height, and color of the shingles, he can offer you a much better price because he can see how much effort and can pick up the right color, before coming over. If you can save a man, time and gas, as well as, make it easier for him, he can give you a better price! In my market, what you described could be fixed for approx, $100. bucks, if I knew what ladders I needed, and did not have to leave to go buy the proper color. Good Luck! |
asphalt shingles blown off in wind storm
On Dec 5, 1:38 am, Joe wrote:
On Tue, 4 Dec 2007 22:22:03 -0800 (PST), Roof Time Cincinnati wrote: Thanks a lot for th advice. This helps a lot. The problem will be that so many people around here have roofs that were completely destroyed, I suppose I'll wind up on a very long waiting list. But at least I know I need to get it done. Hey! I know looking down onto the roof, it looks like there could be no harm in waiting before replacing the missing tabs...but do not do it! The shingles are laid in a specific geometric pattern. The manufacturer's detail nail palcement, nail length, and the proper math for cutting the shingles so that they align, seal, and last as a water protectant for your home. When one or more are missng, the entire roof is compromised and only worse things are in store (mold, wood rot, collpasing cielings, etc). Roofs are expensive, I know, but if your home could be protected by having LESS material, it already would! In other words, Nope, you cannot protect your home if any pieces are gone! To find a good roofer who will fix your missing material, fairly reasonably, try this, shoot some digital pics of your roof, and a close up of the shingles laying on the ground. Call around and explain what happened, and offer to email over the pics. If a roofer can see the slope, height, and color of the shingles, he can offer you a much better price because he can see how much effort and can pick up the right color, before coming over. If you can save a man, time and gas, as well as, make it easier for him, he can give you a better price! In my market, what you described could be fixed for approx, $100. bucks, if I knew what ladders I needed, and did not have to leave to go buy the proper color. Good Luck!- Hide quoted text - - Show quoted text - Well you can move yourself upto the front of any list by getting as much details (pics) over to a good guy ASAP...also...do not be afraid to clearly indicate that you will be paying upon completion only...no upfront money at all. If you get some pics and send them over to me, I maybe able to tell yuo what shingles and how many you will need......Good Luck! |
asphalt shingles blown off in wind storm
On Tue, 04 Dec 2007 21:02:34 -0800, Joe wrote:
If I need to replace them eventually, how does one go about replacing individual shingles? Google: replace "asphalt shingles" All sorts of help there |
asphalt shingles blown off in wind storm
On Dec 5, 7:55 am, "Joseph Meehan" wrote:
I suggest that you start with your insurance company. It should be covered. The insurance company has a vested interest in preventing future damage to your home. They will likely not only pay for it but inspect it decide what is needed and help you find a good contractor who will take care of it before more damage occurs that the insurance company would pay for. "Joe" wrote in message ... We recently had a windstorm move through our area of Washington (yeah, we're all over the news) that deposited about 20-30 of my asphalt shingles all over my backyard. I looked at the roof carefully, and there's no plywood showing, the places where shingles came off still have shingles underneath, there were and are no leaks. Is it necessary to have these replaced immediately, or is it even necessary at all? If I need to replace them eventually, how does one go about replacing individual shingles? -- Joseph Meehan Dia 's Muire duit Hmmm..dunno if I agree Joe. Here is why. A claim file is opened with every inqueiry at your insurer. In Ohio an insurer will pay, just as you said, but based on a periodic table of claims filed, risk assesment in the future, and the total insured income pool...he could be dropped by his insurer, for making a legitimate claim! The damage sounded bad, but maybe not an entire roof. If it just needs repaired, I would tell him to weigh his deductable against the repair bids aginst the fact of has he made any prior claims..how long insured and his overall credit rating...yes, that matters too. |
asphalt shingles blown off in wind storm
Joseph Meehan wrote: "Roof Time Cincinnati" wrote in message ... On Dec 5, 7:55 am, "Joseph Meehan" wrote: .. ? -- Joseph Meehan Dia 's Muire duit Hmmm..dunno if I agree Joe. Here is why. A claim file is opened with every inqueiry at your insurer. In Ohio an insurer will pay, just as you said, but based on a periodic table of claims filed, risk assesment in the future, and the total insured income pool...he could be dropped by his insurer, for making a legitimate claim! The damage sounded bad, but maybe not an entire roof. If it just needs repaired, I would tell him to weigh his deductable against the repair bids aginst the fact of has he made any prior claims..how long insured and his overall credit rating...yes, that matters too. I guess I am a lot less worried. I figure that is what I am paying for. I have made a roof claim to my insurance company (I live in Ohio). The funny part was it was for hail damage. I knew it hit the neighborhood hard but I did not expect there to be any damage and I was expecting them to come out and tell me all was OK. Well I did not know what to look for and yes I had damage. They were very easy to work with. In over 45 years of automobile ownership and 40 years of home ownership with multiple claims on each, I have never been canceled, or had my rate increased related to a claim I am on the same company for my home the entire time and I have had only two companies insuring my cars. I have less distrust of insurance companies than a lot of people. I can't understand why someone you have insurance on something that they were afraid to make a claim on. BTW I believe you are right about that "could be" thing, but the question is how likely is it? -- Joseph Meehan Dia 's Muire duit Just do a simple google search such as: http://www.google.com/search?hl=en&q...elled+claim s Here's one of the more "mainstream" links returned: http://money.cnn.com/2005/05/26/pf/i...e_it/index.htm "Homeowners insurance: Use it and lose it" Excerpt: "Non-renewals by insurance companies is a trend that's affecting homeowners far beyond the hurricane belt. A 2003 study by the Independent Insurance Agents & Brokers of America (IIABA) revealed that nearly 2.5 million Americans had lost their coverage during the previous two years. "Non-renewals follow two scenarios: The first involves homes in danger zones, such as flood plains or storm paths. .. . . "The second involves policyholders who file too many claims, the so-called 'use it and lose it' phenomenon. " 'It has been a very strange development,' says Doug Heller, a spokesman for the Foundation for Taxpayer & Consumer Rights. 'Consumers are being threatened with non-renewal for filing legitimate claims.' " 'The companies say, "We'll take care of you," ' says Marcia Salkin, senior policy representative for the National Association of Realtors. 'But if you let them do that, it can come back to bite you.' .. . . ". . . But claims don't have to be paid -- or even filed -- to count against you. "Just asking your agent whether a loss is covered could go on your record. .. . . "Here are some tips on avoiding non-renewals from the IIABA: * Be cautious filing smaller claims. If your loss exceeds your deductible by less than $200, consider paying out-of-pocket. * Stick with one company: Companies may give long-term customers the benefit of the doubt and overlook minor blemishes on their records. * Bundle coverage. If you have auto and life coverage with your home insurer, they may not want to jeopardize that business by cancelling your homeowners policy. * Maintain your house. Upgrades of security systems, plumbing, and electricity, making sure the roof and gutters still function well, and trimming tall trees of dead branches can keep your house safer. Some upgrades even qualify for a premium discount." |
asphalt shingles blown off in wind storm
On Dec 5, 3:08 pm, Erma1ina wrote:
Joseph Meehan wrote: "Roof Time Cincinnati" wrote in message ... On Dec 5, 7:55 am, "Joseph Meehan" wrote: .. ? -- Joseph Meehan Dia 's Muire duit Hmmm..dunno if I agree Joe. Here is why. A claim file is opened with every inqueiry at your insurer. In Ohio an insurer will pay, just as you said, but based on a periodic table of claims filed, risk assesment in the future, and the total insured income pool...he could be dropped by his insurer, for making a legitimate claim! The damage sounded bad, but maybe not an entire roof. If it just needs repaired, I would tell him to weigh his deductable against the repair bids aginst the fact of has he made any prior claims..how long insured and his overall credit rating...yes, that matters too. I guess I am a lot less worried. I figure that is what I am paying for. I have made a roof claim to my insurance company (I live in Ohio). The funny part was it was for hail damage. I knew it hit the neighborhood hard but I did not expect there to be any damage and I was expecting them to come out and tell me all was OK. Well I did not know what to look for and yes I had damage. They were very easy to work with. In over 45 years of automobile ownership and 40 years of home ownership with multiple claims on each, I have never been canceled, or had my rate increased related to a claim I am on the same company for my home the entire time and I have had only two companies insuring my cars. I have less distrust of insurance companies than a lot of people. I can't understand why someone you have insurance on something that they were afraid to make a claim on. BTW I believe you are right about that "could be" thing, but the question is how likely is it? -- Joseph Meehan Dia 's Muire duit Just do a simple google search such as: http://www.google.com/search?hl=en&q...e+cancelled+cl... Here's one of the more "mainstream" links returned: http://money.cnn.com/2005/05/26/pf/i...e_it/index.htm "Homeowners insurance: Use it and lose it" Excerpt: "Non-renewals by insurance companies is a trend that's affecting homeowners far beyond the hurricane belt. A 2003 study by the Independent Insurance Agents & Brokers of America (IIABA) revealed that nearly 2.5 million Americans had lost their coverage during the previous two years. "Non-renewals follow two scenarios: The first involves homes in danger zones, such as flood plains or storm paths. . . . "The second involves policyholders who file too many claims, the so-called 'use it and lose it' phenomenon. " 'It has been a very strange development,' says Doug Heller, a spokesman for the Foundation for Taxpayer & Consumer Rights. 'Consumers are being threatened with non-renewal for filing legitimate claims.' " 'The companies say, "We'll take care of you," ' says Marcia Salkin, senior policy representative for the National Association of Realtors. 'But if you let them do that, it can come back to bite you.' . . . ". . . But claims don't have to be paid -- or even filed -- to count against you. "Just asking your agent whether a loss is covered could go on your record. . . . "Here are some tips on avoiding non-renewals from the IIABA: * Be cautious filing smaller claims. If your loss exceeds your deductible by less than $200, consider paying out-of-pocket. * Stick with one company: Companies may give long-term customers the benefit of the doubt and overlook minor blemishes on their records. * Bundle coverage. If you have auto and life coverage with your home insurer, they may not want to jeopardize that business by cancelling your homeowners policy. * Maintain your house. Upgrades of security systems, plumbing, and electricity, making sure the roof and gutters still function well, and trimming tall trees of dead branches can keep your house safer. Some upgrades even qualify for a premium discount."- Hide quoted text - - Show quoted text - That was agreat post...very useful info here for every homeowner / landlord/ tenet to know and consider.....thanks! |
asphalt shingles blown off in wind storm
On Dec 5, 2:13 pm, "Joseph Meehan" wrote:
"Roof Time Cincinnati" wrote in ... On Dec 5, 7:55 am, "Joseph Meehan" wrote: .. ? -- Joseph Meehan Dia 's Muire duit Hmmm..dunno if I agree Joe. Here is why. A claim file is opened with every inqueiry at your insurer. In Ohio an insurer will pay, just as you said, but based on a periodic table of claims filed, risk assesment in the future, and the total insured income pool...he could be dropped by his insurer, for making a legitimate claim! The damage sounded bad, but maybe not an entire roof. If it just needs repaired, I would tell him to weigh his deductable against the repair bids aginst the fact of has he made any prior claims..how long insured and his overall credit rating...yes, that matters too. I guess I am a lot less worried. I figure that is what I am paying for. I have made a roof claim to my insurance company (I live in Ohio). The funny part was it was for hail damage. I knew it hit the neighborhood hard but I did not expect there to be any damage and I was expecting them to come out and tell me all was OK. Well I did not know what to look for and yes I had damage. They were very easy to work with. In over 45 years of automobile ownership and 40 years of home ownership with multiple claims on each, I have never been canceled, or had my rate increased related to a claim I am on the same company for my home the entire time and I have had only two companies insuring my cars. I have less distrust of insurance companies than a lot of people. I can't understand why someone you have insurance on something that they were afraid to make a claim on. BTW I believe you are right about that "could be" thing, but the question is how likely is it? -- Joseph Meehan Dia 's Muire duit Don't ever move to Florida! I can barley find HO's insurance and my rates have TRIPLED in the last 3 yrs with NO claims. |
asphalt shingles blown off in wind storm
clipped
Don't ever move to Florida! I can barley find HO's insurance and my rates have TRIPLED in the last 3 yrs with NO claims. Sad fact for folks who just want to live in a decent home, but I get the warm fuzzies thinking about all the "flippers" going broke. There was a guy in our condo, hungry to buy as many of the eight units as he could, who got a spot on the board of directors (which helps vote down needed maintenance) and doubled his money when he sold after about three years. We thought we had a great neighbor and a decent friend, but money is thicker than water and money talks. When condo issues got messy, they didn't know us any more. We had helped them move in, had a nice meal ready at the end of that day, babysat their kids, drove them to the airport so's they didn't need to pay parking fees, helped haul out debris when they remodeled, etc., etc., etc. Hubby and I have been everyone's friend when they want something, which can be very often, but they don't know us when we need something. So, now there are two units in our condo for sale, and it is going slow..............big smile ....................one owner was briefly the board Pres. who would not call a plumber when sewage was backing up into our unit. The other, above us, trashed part of our wiring by pounding nails through the floor. Big "For Sale" sign in his window and I smile each time I see it. Another unit, rented so there is no homestead, has over $7,000 yr. property tax. Owner lives in UK. During the flipping frenzy, older buildings on our street were torn down, the market went south, and now the bare lots are growing weeds. City fathers aren't worth the paper their paychecks are written on. I have a feeling that the mortgage problem is going to get a lot worse, at least around here, before it gets better. Meanwhile, the richer guys keep building right up to the water's edge, and can count on tax money to replace the beach when it eventually washes away. No pol on earth will ever suggest restricting building in flood zones, so the lemmings keep coming. |
asphalt shingles blown off in wind storm
Joseph Meehan wrote:
"Ron" wrote in message ... On Dec 5, 2:13 pm, "Joseph Meehan" wrote: ... Don't ever move to Florida! I can barley find HO's insurance and my rates have TRIPLED in the last 3 yrs with NO claims. Not just Florida. I suspect there are going to be some serious changes (increases) in rates many places over the coming years. If global warming trends continue I expect predictions for a number of geographical areas are going to result in serious increases and many people will be forced out or forced to live without insurance. I also expect reductions in real estate values in many areas. Only time will tell. Well, there is certain logic in what is happening. Move into a flood zone and pay a fortune for storm coverage? It is insane. Might be better to put the money in the bank and insure for fire/liability. There are folks in Florida who have been flooded numerous times, whose insurance paid so they kept rebuilding because "we love this river/beach". Goofy as it gets. The richer folks, who can build right on the beach, pass laws against folks carrying drink containers on "their" beach, but want Federal welfare to put their sand back in place when mother nature takes it away. As far as I am concerned, mother nature can take them, too. Mebbe they can grab some flotsam like the folks in New Orleans did. It is a very real issue and I don't see any simple answers. Regulation will not fix the underlying problem. If losses are going to increase there must be some sort of way to recover the cost. If we know one area is going to suffer large losses, then should everyone be forced to help pay for their loses or should we allow the owners to loose what they have invested? We could take a trillion dollars, rather than burn it in Iraq, and build a big slush fund for folks who are long term residents being forced from their homes by high taxes and insurance. Seems like a rather patriotic idea to me ...... but, then, we have to keep drivin' our SUV's so our kids can grow up fat and lazy, so keep that oil flowing and keep kissing up to Saudi kings. We are so weak, it is pathetic, because "sacrifice" and "discipline" and "principle" are no longer in the vocabulary. With what is left over of the trillion dollars, we could send everyone who lives in New Orleans to college, expenses paid, and solve the problem of poverty. Build them houses while we're at it...........$100,000 times 10,000 would only be a billion dollars. Loose change. Hard choices ahead and add that we don't have solid facts to estimate the real needs. It is not going to be easy and few in authority will want to tackle a problem when no one will like the answer. Doubt Americans will make any hard choices for a long, long time. They make the easy, one-issue choices, like "he spouts a lot of religion, so I'll vote for him". When I think back to the days after 9/11, and the coward-in-chief insinuating that everyone who didn't want to invade Iraq was unpatriotic, I want to puke. And the poor slob got teary eyed at the thought of Saudis whipping rape victims. He should have paid them a visit and grabbed them by the throat. MW Dictionary defines "patriot" as "one who loves his or her country and supports its authority and interests". George has a long way to go. |
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