Very windy today

[700xcsp]

I live in New Lenox Illinois and it has been a VERY windy day here today. I was out in the garage cleaning my father in laws truck getting ready to sell it (see classifieds) and then all of a sudden I see some of my shingles flying across the driveway. I remodeled the outside of the house 8 years ago so the shingles are not old. I called my insurance company and they told me somebody would be in contact with me withinn 24 hours, I told her that it was supposed to rain and that I needed to get the roof covered, asked her what I needed to do, she told me it was up to me to cover it with a tarp? I am wondering if it really was my responsibility to cover the roof or if they should have sent somebody out to do it? I did in fact cover it because a storm was rolling in, but the wind was blowing so hard it took 4 of us just to hold the tarp down while we nailed down some wood to hold it down. I would have thought that the insurance company would have sent somebody out, have any of you been through this? My Dad is telling me that it is BS and that the insurance company is responsible and that I should not have covered it and I should have let them remodel my whole house once the raib soaked through the wood, insulation and drywall but I just couldn't do that. I attached some pictures for you to see what it looked like before I put the tarp on.

I have never had a claim and am wondering if it is going to be a problem since I covered it myself and if they are going to replace the "Whole Roof" or just repair it? It is not that I needed a roof, since I just did it 8 years ago, but now that the shingles fell off and will most likely not match what is on there now if I try to repair it I will most likely need to replace the whole roof. Another thing, my garage is detached, will they cover the cost to make the shingles match the house, or will they have to be different until I can afford to replace them myself and match them to the house? I am hoping that I do not have any issues with insurance and that they will give me enough to cover the house and garage since it will look pretty stupid if they do not match. Also, does it matter if you do the work yourself? Will they still pay you for material and labor? I wa thinking about having some of my friends, that are carpenters, do it and I would help them, I have done quite a bit of roofs in the past but not sure what the rules are. Again, never dealt with insurance before and would like some input.

Any info is appreciated

 

[catalac]

Wow! Can't believe it did that much damage.
You know the ins. co. is going to try and just replace whats gone. You do have alot to repair though. Don't know what they'll tell ya.

 

[HardwaterHoosier]

I wouldn't fret over tarping the roof. You may be able to turn those hours in to cover a small portion of you deductible.
We went through the same thing this summer. They replaced each section we had shingles blown off. But, they were loose and torn through where they were not blown off also. (the contractor shot the nails through the shingles and spaced to far apart).

 

[700xcsp]

That is what I am worried about, if they just replace what is gone it will never match. I do not want it to look like some pieced together roof. The roof is 8 years old, and a lot of it is faded already, if we just put new shingles on it will look rediculous, I am hoping that they dont do that and that they look at the big picture here and replace the whole thing so it all matches. We will see what happens once they call me today and send somebody out.

 

[t_man]

This can really depend on the state you live in. Here in OH,I am told that by law the insurance companies cannot just replace sections of shingles on the same visible face of the roof. In 2008 we had a huge section of shingles blown off the front of our house from the remains of hurricane Ike. We were told to tarp the roof as well to protect from further damage until repairs could be made.

The first insurance adjuster that came wanted to just replace the front half of the house since the back was not damaged (though the peak was). The adjuster was from TX and was ridiculously our of line in their damage assessment and dollar estimate. Our agent got it reassigned to another adjuster and this one was much more reasonable. He immediately agreed the entire roof needed to be replaced if for no other reason than the tarps had been placed across the damaged peak and partly down the back side and held in place by nails through the rear shingles. It was the only way to appropriately secure the tarps. Therefore, the entire roof replacement was covered by insurance.

Not sure what IL laws are but worth checking into. I'm betting you're out of luck with the garage roof if it was not damaged, but who knows?

Most insurance companies want you to use a contractor with some type of warranty, but not all, so that will depend on your specific company.

Good luck!

 

[mezz]

Read your insurance policy, you are responsible to preserve & protect your property from further damage. The insurance Co. is not responsible to dispatch a contractor to you for repair. You absolutly did the right thing by tarping it. You need to get 2 estimates of repair from reputable contractors & turn them into your company. The company will send an adjuster to look at the damage, but, by all means, get the estimates, this way you will know what is in line with the local contractors. Have the contractor write the estimate for the viewable half of the roof as well as the damaged area(s). The company may very well pay for only the damaged area's of the roof, however, there maybe some local regulations that prohibit that. I can pretty much guarantee that you will not get all roofs re-done due to color match. Regardless of what is paid, this will of course be subject to your policy deductible.-Good Luck.-Mezz

 

[98panther]

Sounds right, Insurance Companies dont have guys with tarps waiting around.

If you're able to tarp it - you should, but if you can't... age, health, whatever.... then you can't.

I think you need new shingles anyway, they don't look like they ever sealed down.
They just look loose not even torn up, a properly sealed shingle would tear some.

 

[Pit Grunt]

Do not do it yourself. The INS company will not pay you for your time. I did a hole roof because I could not find a contractor. All where to busy from storm danage. The INS payed for the product and no labor..

 

[skeeter2010]

Quick question do you know if your roof is sheeted or if it is boards? Also did you hand nail it or use guns. I know quite often when gun nailed you may not notice if you hit a gap which may be why they blew off.
Just a thought Maybe save the shingles which blew off you may be able to reuse them. Also if they only replace the shingles have them put the new ones low where you may not be able to see them from the road and take the aged ones and put them in place of the ones which blew off.

 

[rp7x]

what ?

shingles are made to bond together , they are all junk , thats why they flew off

 

[98panther]

If none of them are sealed the shingle company may warranty them.

 

[mezz]

If none of them are sealed the shingle company may warranty them.

After 8 years, I highly doubt it. If he still has a partial bundle lying around with the mfg & lot number he could check to see if there was a recall on said lot number. On the flip side, even if there is a recall, the mfg will merely pro-rate the damaged area & pay no labor. At this point, might as well persue it for what it is, a wind damage claim, & see where it goes.-Mezz

 

[98panther]

Even the cheapest shingle made has a 10 year warranty.

Even if the insurance company looks and sees they are not sealed - they will look into it before they pay out.

 

[wilson]

most contractors will not just replace missing shingles...they have to warranty their work so they will only do a total re-roof or the whole one side.

 

[700xcsp]

Thanks for all the replies, I spoke to the insurance company today and they will be sending somebody out on Saturday to look at it. I already have 2 contractors coming out to quote a repair, that is "IF" they will repair it, and then they are also quoting a whole new roof. I kind of just threw the garage out there and kind of thought that it was a shot in the dark, but as for the shingles not sticking together, that appears to be exactly what happened, my father in law, a 30 year union carpenter, came over and looked at them and said that the glue on the back of them looked like there was nothing even on them. I did save all the shingles and I can possibly reuse 80 % of them but the other ones are ripped in half and torn to shreads, the other thing that worries me is that the tarp that I put on, I had to nail down some wood to hold the tarp in place (20 x 40) and now if the whole roof is not replaced I will have holes all over my roof where the wood was put to hold the tarp down. I guess I am in the waiting stage and will see what the adjuster will say.

As for the roof that was put on, it was put on with a nail gun, but the winds we had yesterday were not as bad as some of the winds I can remember in the past 8 years so not sure if a stick fell off a tree and ripped one lose or what, but I did pick up over 1oo branches and sticks today from my yard. I will just wait and see what they tell me, I am just hoping it all ends up being done right so i don't have to worry about this anymore.

 

[700xcsp]

Forgot to ad that the roof is sheeted and not boards, trying to read and write at the same time to answer all questions, sorry I missed that one. Not sure where the last guys bought the shingles from, but he is one of the COntractors coming out tomorrow to quote me on repairing it so I will find out what he says and if he knows where he bought them from.

 

[EXCESSIVE FORCE]

Forgot to ad that the roof is sheeted and not boards, trying to read and write at the same time to answer all questions, sorry I missed that one. Not sure where the last guys bought the shingles from, but he is one of the COntractors coming out tomorrow to quote me on repairing it so I will find out what he says and if he knows where he bought them from.

Sounds like a good place to start maybe the guy who put them on can help you out....

 

[mezz]

most contractors will not just replace missing shingles...they have to warranty their work so they will only do a total re-roof or the whole one side.

That may very well be, however, that has nothing to do with how some insuring companies settle the claim. The company can reimburse you for the "damaged area" if the damage does not involve a large area, the rest would be on the homeowner. Again, that will vary between companies. I hope all goes well.-Mezz

 

[Woodtic]

This same thing happen to a friend of mine in Beecher Il. It was a lot of back and forth,but they replaced a 15 year old roof.20k when all said and done. A patched in roof that dosent match is a temp repair. Your home can't be worth less after they make the repair. This is a state law.

 

[luvnsnow]

Sometimes those tabs wont seal if there is any dirt under them. I have seen that case on roofs that are put on in the fall and farmers are pulling crops out. A lot of dirt, Corn dust.etc will keep them from sealing properly.That happened at my Dads Place in Manhattan Il. Good luck with repair hope it works out.