we bought a new house, and got a bad roof job about 3 months ago, what do we do?

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On Wednesday, February 3, 2016 at 6:04:48 PM UTC-5, snipped-for-privacy@snyder.on.ca wrote:

All I gave was an example to explain the concept. I even started it off with "This is rough, but it explains the issue I am talking about." Use any tax bracket and any dollar amount you would like, the "math" is the same, the savings will obviously differ.
What I was discussing is the reason why some people do "small" Roth conversions every year. The goal is to distribute money from a qualified account at their current tax rate to avoid being bumped into a higher bracket when they reach 70 1/2 and are forced to take their RMD.
It doesn't make sense for everyone one, but it is a viable tax planning strategy for some.
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Good for you, Philo. My experience with State Farm is that their adjusters are incompetent or dishonest. I had a water damaged floor. All that was needed was a few pieces of flooring replaced next to a sliding door - a small job that I could have done. But I called BS Farm to see if insurance would cover a professional job. They sent an inspector/adjuster over and right off the bat wanted to tear up 1000 sf of hardwood flooring, most of the main part of the house. He gave me a contractor to call. I knew it was crooked and never followed up. Ended up replacing one slat and all was fixed. Total cost - one six-pack for a helpful neighbor.
Pretty soon the BS Farm insurance premium went up. The story was that when I called them, they considered that a "claim" and up went the premium.
Also had a driver hit me who had BS Farm auto insurance. Estimates were $1300-1500. They would not pay that much on my old car but offered to have one of "their" shops fix it. Their "fix" would have been to knock out dents and paint only that part, trying to match the old faded paint. Cost for them to paint the whole car was $3K. Funny - out front of the shop was a sign "We welcome all insurance coverage"
Farmers Insurance is also rotten. They bought 21st Century which I have had for 20+ years. Last year I made 2 payments at once because of being out of town for the next one. Instead of doing as I asked, they counted that as one payment and invoiced for the 2nd payment as usual. A few days after that I had a flat around 11pm and called their 800 roadside assistance number which never answered. I called every 10 minutes for a half hour, then called the local tow. I sent the receipt in with a note explaining it. They never replied. I ran across the receipt 6 months later and called. The explanation was what I just said, that I had missed the 2nd payment and insurance lapsed 1 day before the tow. This was not in keeping with their promised "grace period" but they would not budge. Plus they had added on a reinstatement fee that I had not noticed at the time. I asked how long I had had the insurance, and the gal looked it up - "Since 1993". "How many claims have I filed." "None." "Do you think you could credit me that towing charge and reinstatement error charge." "No."
So, I'm shopping around and will be canceling Farmers by mid-Feb when the payment is due.
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On 02/03/2016 09:51 AM, Snuffy "Hub Cap" McKinney wrote:
hing like that.

e." "Do you think you could credit me that towing charge and reinstatement error charge." "No."

Yep...Some insurance companies are better than others.
I had to go with a company that specializes in older houses and actually ended up with slightly better coverage than I had at slightly less money.
Because rates can jump if a claim is filed I would never call any company for something minor, I have insurance only in the event of something major.
I got a great rate from GEICO on my car.
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I hope you never have "something major" occur to yer car.
nb
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On Wednesday, February 3, 2016 at 11:24:10 AM UTC-5, philo wrote:

ters are incompetent or dishonest. I had a water damaged floor. All that was needed was a few pieces of flooring replaced next to a sliding door - a small job that I could have done. But I called BS Farm to see if insuranc e would cover a professional job. They sent an inspector/adjuster over and right off the bat wanted to tear up 1000 sf of hardwood flooring, most of the main part of the house. He gave me a contractor to call. I knew it w as crooked and never followed up. Ended up replacing one slat and all was fixed. Total cost - one six-pack for a helpful neighbor.

when I called them, they considered that a "claim" and up went the premium.

e $1300-1500. They would not pay that much on my old car but offered to ha ve one of "their" shops fix it. Their "fix" would have been to knock out d ents and paint only that part, trying to match the old faded paint. Cost f or them to paint the whole car was $3K. Funny - out front of the shop was a sign "We welcome all insurance coverage"

e had for 20+ years. Last year I made 2 payments at once because of being out of town for the next one. Instead of doing as I asked, they counted th at as one payment and invoiced for the 2nd payment as usual. A few days af ter that I had a flat around 11pm and called their 800 roadside assistance number which never answered. I called every 10 minutes for a half hour, th en called the local tow. I sent the receipt in with a note explaining it. They never replied. I ran across the receipt 6 months later and called. T he explanation was what I just said, that I had missed the 2nd payment and insurance lapsed 1 day before the tow. This was not in keeping with their promised "grace period" but they would not budge. Plus they had added on a reinstatement fee that I had not noticed at the time. I asked how long I had had the insurance, and the gal looked it up - "Since 1993". "How many claims have I filed." "Non

t error charge." "No."

he payment is due.


FYI...Travelers recently went to "tier system" coverage.
http://www.carsdirect.com/car-insurance/understanding-how-auto-insurance-co mpanies-use-the-tier-system
In the past 2 years I've added 2 additional vehicles to my policy. One vehicle is listed as "garaged" in the city where one of my daughters goes to college (she's 22, been driving for about 5 years) and another is garaged in a different city/college (she's 23, been driving for about 2 years). Obviously my rates went up substantially when the cars were assigne d 100% to these fairly new drivers who live away from home.
Last November my agent called to tell me that Travelers was going to move me to their tier system. They increased the amount of coverage for certain items while reducing my rate by ~40%. The monthly reduction basically cover s the loan payment on the used car we just bought for my oldest daughter.
Sweet!
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On 02/03/2016 11:34 AM, DerbyDad03 wrote:

One reason my car insurance is low is because I have no moving violations. Got a speeding ticket a few years back and I was so polite to the small-town policeman he told me to take it to court and "they'd do something to help me out."
It was a $90 ticket and I said, that would not be necessary, but he really urged me to take it to court.
Then I realized that for insurance purposes I did not want that on my record, my rates would probably go up...so I went to court and before I could say anything, the magistrate asked me if I'd like it changed to a non-moving violation with the same fine...so my insurance rates would not go up.
That was easy.
After I got home I pulled the paid ticket out of my pocket to see what they got me for. Yikes: Vandalizing a street sign! So now I am a hardened criminal but one not paying much for car insurance at least.
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On Wednesday, February 3, 2016 at 12:50:01 PM UTC-5, philo wrote:

I am really surprised at the "vandalizing" charge.
Based on my experience...err...I mean...from what I've heard, the typical "reduction" is based on vehicle condition or driver action, not on some unrelated incident.
I...err...I mean...people I know have been "reduced" to a noisy muffler (on a brand new rental car), an obstructed license plate (which was covered with *clear* plexiglas) and "failure to obey a traffic control device" (which, from what I understand, is the most common reduction since that is actually what I...err...I mean...the offending driver did).
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On 02/03/2016 01:00 PM, DerbyDad03 wrote:

All they cared about was their money, they just charged me with something that had the same fine. That was over five years ago and I'm sure my record's been cleared by now
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I got a ticket for rolling through a stop sign in a two-word town, Grand Prairie, I think, just SW of Dallas. I went to pay it immediately and the traffic department had a brand new building, all of it for traffic tickets. When someone from out of state was called, the court announced with the microphone and speakers that they could pay $65, or they could pay 80 and not have it reported to the state the driver came from.
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A bit like my experience, but in reverse (sorta). I was driving a 1949 VW bug in Livingston Zambia back in about '73 or '74. The muffler had deteriorated to the point there was virtually nothing left, and it was NOISY - but no new parts were available. I got pulled over and charged with driving with a defective muffler. The fine was rediculous - something like Kw75 - and a Kwatch back then was about $1.65.
I went down to the "boma" to look after the fine and asked to see the schedule of fines/offences and noticed "no muffler installed" was only Kw15, so I told the clerk they had charged me with the wrong offense, as there was no muffler on my car. They went out and looked - and not being able to find any sign of a muffler, reluctantly took my Kw15 and reminded me I needed to get the muffler replaced - so I headed back to the shop at the school and made one from an old driveshaft, a landrover gas filler pipe and some plumbing fittings.
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On 02/03/2016 04:22 PM, snipped-for-privacy@snyder.on.ca wrote:

.

Great story and even nicer to hear from another hardened criminal :)

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On Wednesday, February 3, 2016 at 9:26:12 AM UTC-5, philo wrote:

I forgot to mention this:
Again, not knowing your specific situation regarding climate, etc. I don't know if this applies...
You have a 25 year old roof on top of a roof that is what? 15, 20, 25 years old? Obviously that roof was failing or you wouldn't have re-roofed.
Roofing technology, from shingles to nailing patterns to underlayment have changed dramatically in the 40 - 50 years since your first layer was put on.
So now you have a 2nd roof that is probably near the end of its warranty period on top of a roof that is way behind its warranty period and mostly likely not installed using "modern day" methods.
If I were a Ins Co, a lender or even a buyer, I would be really concerned with a roof of that age, condition and installation method.
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On 02/03/2016 10:39 AM, DerbyDad03 wrote: roof that doesn't leak?

Yep, within the next few years I suppose I will have to get it all removed and replaced.
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I think you did the right thing. I'm surprised the insurance company wouldn't write the policy for everything but roof-related damage, and then when you eventually got a new roof, increase the coverage and the premium to cover everything.
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On 02/03/2016 11:00 AM, Micky wrote:

Nothing to do with insurance companies, it is simply human nature.
I once went into a hat store and when I described the type of hat I was looking for (to the owner) he informed me they "don't have anything like that."
After looking around a bit I found what I was looking for and triumphantly brought it up to the counter. "Oh" he said, "that's not a hat, that's a cap!"
Way too funny to get upset. I gave you the short version as I had to go through the same thing with the color and size.
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Hilarious.

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On Wed, 3 Feb 2016 08:39:06 -0800 (PST), DerbyDad03

Particularly since the average roof, installed PROPERLY is totally worn out before the "anticipated end of life" arrived at from their "warranty" numbers.
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I'll be blunt, brief, and to the point. * INSURANCE PEOPLE ARE ALL ASSHOLES *
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On 02/03/2016 12:10 PM, snipped-for-privacy@unlisted.moo wrote:
ike that.

So far that's pretty much been my experience as well.
I had to go to court (did not hire a lawyer) to get my own insurance company to pay a $400 bill for a work-related sprained leg.
Though as soon as we got to the hearing they agreed to pay, I refused to settle until I took it to as many subsequent hearings and trial as was possible.
I am sure they spent thousands because of that.
After it was all over, the judge (who seemed to be a pretty nice guy)
sat around and talked about how rotten insurance companies are.
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On Wednesday, February 3, 2016 at 1:11:48 PM UTC-5, snipped-for-privacy@unlisted.moo wrote:

I choose not to include my agent or even my Ins Co in your "all".
As I mentioned in my earlier post, my agent called me to tell me that my Ins Co was going to increase my coverage while reducing my annual rate by ~40%. I've been with my agent for over 30 years. Maybe having a long term relationship matters.
My agent has always been extremely helpful, especially during the time when I was asking for multiple quotes as we tried to determine which cars the girls should take back to college with them. When you factor in age, driving experience, vehicle year/model and location, matching the correct driver to the right vehicle can make a huge difference in the cost.
Having an independent agent that is willing to work hard to help determine the best option and explain the details really beats calling some 8xx number and talking to a complete stranger. When there was an issue with an insurance document while I was at the DMV last year, my agent faxed a corrected document directly to the DMV office and also emailed a copy to my smartphone just in case there was a problem with the fax. I'd probably *still* be on the phone with an 8xx rep trying to get it straightened out.
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