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?

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!

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!

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!

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

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.

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."

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!

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.

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.

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.