Questions about Roof Repair

I am having my hail damaged roof repaired. Do I need to replace the Turbos and other air vents on the roof? How much benifit to having a 30 year instead of 20 year roof installed given it hail hard twice a year?
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joseph Varga wrote:

How old is the current roof, vents, etc?
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joseph Varga wrote:

In my experience turbos are not very reliable and are short lived, so if you feel you really really must have them, then I would take the opportunity to replace them. As for other air vents, chances are the only damage was cosmetic, unless they are very visible I would not bother.
When I had my hail damage replace I went for the upgraded roof. The thirty year roof I choose also was an architectural upgrade so it looked better. I was able to trade off the replacement of gutters and down spouts for the roof upgrade. The gutters and down spouts were slightly dented but fully functional and for the most part the most damage was on the private side of the house.
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Joseph Meehan

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Our insurance company rep came and said that they would pay to replace the roof, replace the insulation, and paint the ceilings in rooms where there were water spots on the ceilings. Then we got the insurance check to compare to the estimate and this is what we found:
Estimated cost of roof repair (alone...no painting, insulation, etc.) 6500.00
Insurance check supposedly for roof repair, insulation and painting less deductible 5900.00
so...they are saying it will only cost $1400.00 to paint at least 2000 sq. feet of ceilings replace the same (I assume) amount of insulation?
The letter from the insurance states the following which I don't understand. Can anyone fill me in on what they are actually saying? Am I to understand that if it actually costs much more to replace and repair the damage they will THEN mail me the difference?
Also, the roof on our house was a 20 year roof...I asked the adjuster what would happen if we installed a 30 year roof this time and she said that will be fine. She did not say we would have to pay a differential or anything. This sounds funny to me.
Here's what the ins. letter states:
The actual amount of your loss is estimated to be $5900.00. Reimbursement of the depreciated amount is part of your replacement cost benefits and can be claimed by providing us with copies of the final bills, invoices or receipts.
The attached estimate and Explanation of Building Replacement Cost Benefits form indicates the maximum replacement cost benefit of $695.00.
What in the world are they saying here? Are they indicating that if it actually costs more to repair the roof they will pay the difference as long as we have invoice proof?
Are they saying they will pay up to $695.00 more and that's it? I'm totally confused.
I'd really like to upgrade to a 30 year roof, but I need to know how much more I'll actually have out of pocket and if it's worth it!
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mypet wrote:

ask you roofer how much more a longer life shingle will cost
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Offering less than estimates is a typical insurance ploy. Get more than one estimate showing costs more then was offered. Ask for contractor names who will do the work for their estimate. They depreciate about 10% and will reimburse after you have the work done. If you don't repair they keep the 10%. Don't give into what the insurance adjuster offers--fight it and if you get legitimate estimates showing it will cost more then they offer you will eventually win. Best advice (based on my own experience) is to always get a Public Adjuster if you have a costly damage event--right away, even before contacting the insurance company or getting estimates. It is well worth it and you'll recover more then what they charge and they deal with the insurance co. I had water damage of about $20,000--insurance company first offered $14,000. My contractor, along with copies of two other estimates, confronted the adjuster and challenged her to find anyone who would do the defined work for less. Got a Public Adjuster, way too late in the process, so he only offered advice and made a call to the adjuster, who BTW, reacted to his call more then to that of the contractor. Insurance companies don't like to deal with them--too good and to smart. Good luck. MLD
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Lucky me, I live in a state that has no public adjusters listed by NAPIA. I suppose I'll just have to get to work getting contractors estimates? Thx for the tips.
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mypet wrote:

The insurer should have provided you with a detailed estimate showing how much of the estimate was for the roof and how much was for insulation and paint. If something is out of line (i.e a contractor cannot make the repairs for the prices on the estimate), call your adjuster. The time to resolve pricing differences is before you do any work.
The $695.00 is the difference between the replacement cost value of the repairs and the actual cash value (depreciated) value of the repairs. It is recoverable once you make repairs.
Have your contractor provide you with an estimate for what you had and have him show what the additional cost is to go to 30 year shingles.
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joseph Varga wrote:

Shingles are rated for impact and wind. Check with a dealer for cost / benefit. TB
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