After Wilma came through my barrel tiled roof were badly damaged. Some of
the tiles on the edges were broken, most of the ridge tiles were lifted and
moved. Many rows of tiles were lifted out of place, originally they were
cememted to the tar paper with nlobs of concrete cement underneath, now the
cement and concrete tiles are separated and moved. I can see the lighter
color of the tiles that used to be under the adjacent tiles.
Now the insurance adjuster came through and only calculated the material and
labor to replace those tiles that were actually cracked and broken. They
did not include any provisions for reinstalling the displaced tiles. Do
they expect the loose tiles to be just left there "sitting" on the tar
paper? I have a section of vinyl fences that got blown off about 60 linear
feet. I recovered most of the pieces and started to put them back myself
about 50% done. But some of the pieces I can't put back myself and the
fence post are all out of alignment with the fence gate saging and hardware
missing. Their repair estimate was 2 men for 2 days at $19.95 per hour.
For this reason their calculation came just under my deductable of $10,000.
Is this typical? Should I appeal or just eat the cost, if I appeal and they
increase the cost and end up having to pay me, they might drop me next year.
Between a rock and a hard place.
What exactly does your policy say. That will be the primary answer to
your question. Have you had your own roofing estimate?
I will have to assume that there is some sort of typo here. 2 men 2
days, 24 hours per day would be less than $1,000. Or did you meant that
both the roof and fence came to $10,000?
This one sounds like you are toast. You have the deductible and unless
you have reliable evidence that the cost is going to be more than $10,000
you are out of luck.
I would not worry about them dropping you. They may just do that anyway
and if they would, you don't want them for your insurance company anyway.
You would be self insured if you are afraid to make a claim.
The proper way to install tiles is copper or stainless nails through the
hole, not caulk, or cement, your original install was bad, and any
future high wind will affect it.
But only your policy can say what is covered.
When freezeing/thawing isn't a consideration, tiles can be laid in a
partial or full mortar bed with or without nails. My mortar laid tile
roof has been through four strong hurricanes without problem. And there
are no nail holes in the sheathing.
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On Sat, 26 Nov 2005 18:28:44 -0600, email@example.com (m Ransley)
That is the way they do it down here in FL. We don't have the
freezing conditions to deal with so the mortar bed holds up longer
than the tiles do.
To the OP... Your insurance should put your property back to the
condition it was in before the storm. If you have tiles that were
broken loose and moved there is no way they are going to be secure for
the future "afternoon storms" and I would also expect the underlying
materials to have been damaged by the moving tiles.
Were it my roof I would be appealing.
Sorry I was not more clear.
The roofing repair estimate was based on repairing only the truly cracked
and broken tiles any anything "loose" was not included. There is nothing
specific in the policy (I just read this) about this other than the word
"damage" I guess depending on how you interpret it. However I believe they
need to include the cost of reattaching the loose tiles.
The adjuster included for the fence repair two men two days for putting the
fence back together (but nothing about adjusting the alignment of the posts
and sagging gates).
My deductable is $10,000 (it's typical in south Florida) and it's hard to
get windstorm insurance.
The total repair estimate came to about $4800 less than half my deductible.
I have called roofers to come by to give me their estimate, I have called
about 50 roofers so far, the best guess I was given was someone may come by
to take a look in about six weeks, that was about a month ago. Wilma did a
lot of damage and I have heard roofers backed up more than a year in some
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