Baymule
Herd Master
Coffee is ready. House insurance is a scam. Now you can't even get a new roof out of your insurance. The adjuster DEpreciates it. So if a hail storm pounds your roof and it is 20 years old, you get nothing. My doublewide is 1400 square feet and had a 8 year old roof when along came a hail storm. I got $4200. He even remarked maybe I could find someone in Lufkin that would do it for that. Yeah, and with the cheapest shingles possible! 
I had full replacement coverage, evidently it doesn't apply to roofs. The lady who handled my account was off having a baby and no one would even talk to me because I wasn't "theirs". I was mad enough to chew nails. I decided to do it myself. I was talking about it at church and one of the men decided that he needed to help. He had no idea how to roof a house, but he wanted to help. I got a 20 year roll off box dropped at the end of the house. That first Saturday Darrel, his grandson Austin, Bryan and a guy I didn't know showed up. We got all the shingles scraped off and thrown in the roll off. I got a tarp and began to pile shingles on it. The men asked what I was doing and I told them that when I had a pile of shingles, someone could grab the other end and we could do a 1 2 3 swing the tarp and toss them in the box. They took it away from me. So I pulled nails and let them do the "manly" stuff. It was July, blistering hot, we took lots of breaks and drank lots of lemonade. It took half a day and we covered the roof with huge tarps. That week I replaced 5 sheets of plywood decking and found out I had 2x2's for rafters. And the ends were rotted. I cut a 2x4 lengthwise, cut it in 2' pieces and scabbed them in next to the rotted ends. The next Saturday only Bryan could come and we got all the underlayment paper on the roof, covered it again with the tarps.
I had bought shingles and had them sitting on the trailer. Just the shingles alone cost $2200! The men at church convinced me to get metal instead. So I called a place and R panels were only $300 higher! I took the shingles back for a refund and bought metal. I had bought radiant heat barrier to go under the shingles. Darrels brother advised him to tell me to use 2x4s for lath strips instead of 1x4s, so I bought those too. I leaned 2x4s against the porch roof, climbed half way up the ladder, pulled up the 2x4s and tossed them on the roof. I rolled out the radiant barrier, cleating it down with the 2x4s. I got the front half of the roof done that week. Darrel, Austin and Darrel's neighbor Ken showed up on Saturday to put the metal on. I didn't know Ken, but he came because he wanted to help. He had some experience on putting on a metal roof. We got the metal on by mid day. Again lots of breaks, lots of lemonade. It was 100 degrees, hotter on the roof. That next week, I rolled out radiant heat barrier, screwed down 2x4 lath strips and they came back on Saturday to finish up. By 1:30 we had the metal on, the ridge cap and the side trim on. I spent every bit of that lousy $4200 plus more. My policy was coming up due, so I went to another insurance office and did business with them. Ken had admired my sheep, he had sheep himself and wanted to buy a ewe from the White Dorper and Katahdin cross, when I had one weaning age. Several months later, I knocked on his door and told him I had a ewe for him. How much? Your money ain't no good. We argued back and forth, I refused to take his money and he came the next day and picked up his ewe lamb.
Moral of the story....... I HATE INSURANCE COMPANIES!!!!!
I had full replacement coverage, evidently it doesn't apply to roofs. The lady who handled my account was off having a baby and no one would even talk to me because I wasn't "theirs". I was mad enough to chew nails. I decided to do it myself. I was talking about it at church and one of the men decided that he needed to help. He had no idea how to roof a house, but he wanted to help. I got a 20 year roll off box dropped at the end of the house. That first Saturday Darrel, his grandson Austin, Bryan and a guy I didn't know showed up. We got all the shingles scraped off and thrown in the roll off. I got a tarp and began to pile shingles on it. The men asked what I was doing and I told them that when I had a pile of shingles, someone could grab the other end and we could do a 1 2 3 swing the tarp and toss them in the box. They took it away from me. So I pulled nails and let them do the "manly" stuff. It was July, blistering hot, we took lots of breaks and drank lots of lemonade. It took half a day and we covered the roof with huge tarps. That week I replaced 5 sheets of plywood decking and found out I had 2x2's for rafters. And the ends were rotted. I cut a 2x4 lengthwise, cut it in 2' pieces and scabbed them in next to the rotted ends. The next Saturday only Bryan could come and we got all the underlayment paper on the roof, covered it again with the tarps.I had bought shingles and had them sitting on the trailer. Just the shingles alone cost $2200! The men at church convinced me to get metal instead. So I called a place and R panels were only $300 higher! I took the shingles back for a refund and bought metal. I had bought radiant heat barrier to go under the shingles. Darrels brother advised him to tell me to use 2x4s for lath strips instead of 1x4s, so I bought those too. I leaned 2x4s against the porch roof, climbed half way up the ladder, pulled up the 2x4s and tossed them on the roof. I rolled out the radiant barrier, cleating it down with the 2x4s. I got the front half of the roof done that week. Darrel, Austin and Darrel's neighbor Ken showed up on Saturday to put the metal on. I didn't know Ken, but he came because he wanted to help. He had some experience on putting on a metal roof. We got the metal on by mid day. Again lots of breaks, lots of lemonade. It was 100 degrees, hotter on the roof. That next week, I rolled out radiant heat barrier, screwed down 2x4 lath strips and they came back on Saturday to finish up. By 1:30 we had the metal on, the ridge cap and the side trim on. I spent every bit of that lousy $4200 plus more. My policy was coming up due, so I went to another insurance office and did business with them. Ken had admired my sheep, he had sheep himself and wanted to buy a ewe from the White Dorper and Katahdin cross, when I had one weaning age. Several months later, I knocked on his door and told him I had a ewe for him. How much? Your money ain't no good. We argued back and forth, I refused to take his money and he came the next day and picked up his ewe lamb.
Moral of the story....... I HATE INSURANCE COMPANIES!!!!!
. Amazingly, we are supposed to be in 60s all next week 
Apparently they are still working on it but don't worry we are covered. To us it doesn't really sound like it. Oh and they aren't covering the new roof because they don't have proof it was done professionally and isn't in some sort of system they use to determine when a roof was done. So we went round and round on that. Then I find out they had contacted the previous owners because their receptionist goes to church with them and asked if there was a wood stove. They send a picture of the stove. Today i get a call asking about the wood stove. There is a gas insert no wood stove. Almost a month post closing and probably a month and a half from allegedly signing up for the service and we're still questioning everything but don't worry we're covered?!? I was upfront with them that we are very concerned about all of this including the roof and what happens if we need to make a claim when we can't even get service started properly or properly covered? They guarantee'd us all was good and we were fully covered short of the roof which was depreciated due to no proof it's new. Well they could just look at it or look at the pictures online of when the sellers bought it and when we bought it. Completely different roof. In the meantime we got the information from the sellers and contacted who they had insurance through and they highly recommend them. We figured at the least they already know everything about the place since they've insured it for a few years now already. Night and day. The agent is so nice. Already has a quote to us and gave us her personal phone number to answer questions over the weekend which we won't be doing. After looking over the coverage this evening we've decided to change insurance. It's going to be awkward but it's absolutely ridiculous in our opinion what's been going on and that they won't insure a new roof. I hope it's not going to be major drama to drop the "old" insurance. They've tried so hard to make us believe we are covered but we really don't believe them at this point. What a mess. I am not looking forward to the coming discussion.
