We replaced the back half of the roof when we first moved into the house seven years ago. At the time we were told that the front half would need replacing in five to seven years.
So once Tim’s disability case was won, we decided to finally tackle the project. I got two and a half estimates back in June. I say “half” because the third guy who came out said that our roof was fine the way it was. When I asked for a timetable, he said it could be as long as five more years before it’d need replacing.
I saved his paperwork so that, in five years, we could reward the company for its honesty.
Cut to three weeks ago when scarily high winds hit. It was roaring, and I was very glad we live in a cinder block house or I’d have worried about the whole house tumbling inward. Not because that would’ve been a real possibility, but it’s how bad the winds were in my anxiety-riddled brain.
The next morning we found that several shingles had been blown loose and were standing almost on end. We got someone to come out for a repair estimate, but the guy said flat out that he wouldn’t repair, only replace the front roof.
That’s when I got the idea to call insurance. Because storm damage + old roof = coverage for a new front roof (?).
The damage was confined mainly to one small section, with a couple more shingles starting to lift. So I wasn’t confident the company would agree to replace rather than repair. Still, I figured it was worth a shot.
It took the better part of two weeks to get an estimator out to the house, but she determined that the whole front half of the roof should indeed be replaced. Woot!
We do have a $1,000 deductible, but that still means we’re getting the roof done for roughly one-third what we were preparing to pay back in June. Granted, we’ll have to see what our premiums do as a result, but our car and home insurance renewed earlier this month. So we’re safe for a bit anyway.
I did try to go with the company that was so honest in the first place, but the storm damage had them so booked up that they weren’t even accepting new clients. So we’re going with a recommendation from the insurance company.
The guy we’re using is pretty booked up too (every company is), which means we’re looking at three to four weeks before the repairs happen. But the shingle damage has been covered with an oh-so-classy tarp (still looks better than shingles that are missing/sticking straight up), so there’s no real rush.
I know that people have horror stories about insurance companies trying to weasel their way out of payments, but this experience with Safeco* has been nothing but positive. They’ve been timely in contacting us. They didn’t try to get away with just patching up the damaged areas. Heck, they’ve even already issued payment.
Have you had good interactions with your insurance company?
*Not a sponsored post. Just credit where credit is due.