Hail and Wind damage to roofs

I live in the Manchester subdivision in Coweta county. It seems every home here is getting a new roof, next door, across the street and down the street, all around me, yet State Farm inspectors told me there was no visible damage on my roof. Is it really possible that one house escapes all hail and wind when others around it are hit?

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If you feel you are right
Submitted by alanman on Thu, 07/09/2009 - 9:21am.

If you feel you are right then you should fight for it. You should get a second roof inspection but this time from another commission and see if they tell you the same thing. I have already contracted a Dallas roofer myself, I hope I won't have to face the same troubles...

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Same here
kjam's picture
Submitted by kjam on Tue, 06/02/2009 - 10:07am.

We are dealing with the same problem. Our house is wide open, no trees for protection. During our first inspection with insurance co we were denied. Houses all around us have been approved and new roofs on. We are fighting this and have now requested a second inspection. Dont give up, fight for what is right. If you feel there is damage, do what needs to be done. We know we have damage, and are seeing signs of water in the ceiling and possibly now in the walls. Working to correct the problem so we dont have a bigger problem down the road. Good luck to all who is dealing with the same issues.

"How people treat you is their Karma, how you react is yours!"


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Hail and Wind
muddle's picture
Submitted by muddle on Mon, 06/01/2009 - 1:31pm.

The same is true of our neighborhood. Almost every roof has been replaced, but, for instance, two doors down nothing is being done. Our roof was already in serious need of replacement before the storms hit, so it was sort of a good thing for us that we got the additional hail damage. "Free" roof! Unfortunately, this neighbor just had a new roof put on at his own expense a couple of years ago, and I suppose the storms did not cause any obvious damage.

You should probably find a reputable roofing company or two and invite them to inspect your roof. Some of these companies specialize in wrangling with insurance adjusters. If a roofing company inspector comes out and agrees that your roof looks OK, then it probably is. If not, then perhaps they can make the case for you that you need a new roof due to storm damage.


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muddle: roofs
Submitted by Bonkers on Thu, 07/09/2009 - 10:06am.

I don't know what you mean by "sort of a good thing for us," in that if your roof already needed replacing, it seems to me that it was absolutely a good deal to get a new roof for free!

Unless you mean that maybe it was wrong to accept insurance for an old roof that neded replacement before the hail!
This is one of those conscious disturbing things for some, but most ignore the conscious!

It is justified by the fact that many people do the same thing and it seems also wrong for them to get something of value---not deserved---and you can't.

I personally was somewhat disturbed a few years ago when I had our home checked by an "advertiser" who said we had roof damage from hail, made a claim for me (I signed it) and sure enough he got paid.

My roof actually had slight further damage from the hail but it was 17 years of age at the time and had shown wear for years. Sometimes flying limbs and twigs make indents also which have nothing to do with hail.

I am amazed that insurance companies no longer investigate each roof for the exact percentage of damage done by hail and age, except I think it is cheaper to pay than to hire inspectors!

It is when they run out of budget money for a certain storm that they begin to refuse payment!
What a way to do business!

On the other hand, autos with hail damage is another thing. If your car can not be repaired--even by their bargaining with the repairer--then they give you less than the book value of your car. They pay only what some repair places charge them, not the book value.

On the other hand, some get more than their car is worth depending on how they decide to check on it!

It is the old justified sin thing maybe. Killing is OK in certain cases! Women have no choice in certain cases with birth.
War is fine if the powers that be put it in writing for God's sake.
Anything is forgivable by the church but not by the government or by people. Why throw out members who are paying customers?

I could go on with this, but it does pose an interest for me to consider.

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Hail and Wind part 2....
meanoldconservatives's picture
Submitted by meanoldconservatives on Mon, 06/01/2009 - 2:16pm.

I just had my roof replaced in April from the Feb 18th storm. Virtually every house in my neighborhood was hit and EVERY house on my street has a new roof now or is getting one.

In addition to the roof itself, my adjuster also looked for dings in the gutters, siding, and even the mailbox as proof of damage. Due to tree placement I had very little siding damage. The gutters all got replaced, plus gutter guards. Screens and lawn furniture as well. It also helps your case if cars in the area have damage too.

Also, I referred my roofer to a friend a few miles away who had "some damage". My company told him they thought it might be difficult to convince his insurance company there was enough damage to warrant a full roof. He called another company and they pulled it off. Get a few estimates and maybe you'll get lucky!!


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