Comments on: Hail Causes Roof Damage or Opportunistic Insurance Claims? http://www.alphahomes.com/2008/07/28/hail-causes-roof-damage-or-opportunistic-insurance-claims/ Alpharetta and Johns Creek Real Estate Wed, 27 Apr 2011 17:24:03 +0000 hourly 1 http://wordpress.org/?v=3.2.1 By: Jeff Aughey http://www.alphahomes.com/2008/07/28/hail-causes-roof-damage-or-opportunistic-insurance-claims/comment-page-1/#comment-2942 Jeff Aughey Wed, 27 Apr 2011 17:24:03 +0000 http://www.alphahomes.com/?p=255#comment-2942 Hi Kathryn, I have not moved it yet but I am in the process of collecting quotes from other companies. Not due to the hail damage issue but because I just need to make sure I am not paying too much. I will post here again after I get all of my quotes. Thanks for checking in. Jeff Hi Kathryn, I have not moved it yet but I am in the process of collecting quotes from other companies. Not due to the hail damage issue but because I just need to make sure I am not paying too much. I will post here again after I get all of my quotes. Thanks for checking in. Jeff

]]> By: Kathryn http://www.alphahomes.com/2008/07/28/hail-causes-roof-damage-or-opportunistic-insurance-claims/comment-page-1/#comment-2607 Kathryn Fri, 01 Apr 2011 00:42:54 +0000 http://www.alphahomes.com/?p=255#comment-2607 Hi Jeff, I just read through this thread. Very interesting! I wonder if you moved your insurance coverage from State Farm or not? I live at Zetella, where we were hammered by 2-inch hailstones Saturday. My roof is 9 years old and the shingles looked good before the storm. I have a window that overlooks my porch roof so I notice each day how the shingles look. I also go out that window to clean my gutters, which I had done just a couple months ago. Just after the storm Saturday, I saw that my porch roof has lots of small holes that go deep into the shingles. Clearly, the roof was damaged from the beating it took from the hailstones, but I wonder if it will meet State Farm's definition of hail damage. I also have photos of the size and number of hailstones in my yard. Many, if not most of the hailstones were larger than golf balls. I have had State Farm for homeowner's coverage since 1976, and had one claim when someone broke into an outbuilding and stole a few thousand dollars worth of tools. After reading this thread, I wonder if I'm about to get screwed by State Farm. Hi Jeff,
I just read through this thread. Very interesting! I wonder if you moved your insurance coverage from State Farm or not? I live at Zetella, where we were hammered by 2-inch hailstones Saturday. My roof is 9 years old and the shingles looked good before the storm. I have a window that overlooks my porch roof so I notice each day how the shingles look. I also go out that window to clean my gutters, which I had done just a couple months ago. Just after the storm Saturday, I saw that my porch roof has lots of small holes that go deep into the shingles. Clearly, the roof was damaged from the beating it took from the hailstones, but I wonder if it will meet State Farm’s definition of hail damage. I also have photos of the size and number of hailstones in my yard. Many, if not most of the hailstones were larger than golf balls. I have had State Farm for homeowner’s coverage since 1976, and had one claim when someone broke into an outbuilding and stole a few thousand dollars worth of tools. After reading this thread, I wonder if I’m about to get screwed by State Farm.

]]> By: Jeff Aughey http://www.alphahomes.com/2008/07/28/hail-causes-roof-damage-or-opportunistic-insurance-claims/comment-page-1/#comment-1212 Jeff Aughey Sat, 18 Sep 2010 13:40:28 +0000 http://www.alphahomes.com/?p=255#comment-1212 Hi Laura, Thanks for your very informative post. It sounds like you do a great job helping people with not only their roof problems but helping guide them through the claims aspects of the issue. All the best to you and I will be sure to keep you as a contact for possible future business. Hi Laura,

Thanks for your very informative post. It sounds like you do a great job helping people with not only their roof problems but helping guide them through the claims aspects of the issue. All the best to you and I will be sure to keep you as a contact for possible future business.

]]> By: LAURA http://www.alphahomes.com/2008/07/28/hail-causes-roof-damage-or-opportunistic-insurance-claims/comment-page-1/#comment-1008 LAURA Thu, 16 Sep 2010 21:33:59 +0000 http://www.alphahomes.com/?p=255#comment-1008 I am actually a commercial/residential sales manager for a roofing company and here is what happens on my end...we have many jobs that we get by referral, phone book, internet; etc. However, we do drive and when we see someone that has possible roof damage or obvious wind damage to their roof (whether it is residential or commercial) we stop. We go to the door/office and tell them that they may have damage to their roof. We, as well as many other roofing companies, work for insurance money. We will check out a roof for hail damage or wind damage. If it is obvious, like missing shingles, we do not go on the roof to double check. We give the customer a form to fill out and all that we ask for is name, address, phone number and insurance company name, phone number and a claim number. IN THE STATE OF GA, INSURANCE PREMIUMS ARE NOT ALLOWED TO GO UP DUE TO A CLAIM RIGHT NOW. Once we get a claim number, we contact the insurance company and schedule a time to meet them at the home. We go on the roof with them and show them what we see. If it is approved, we start the job. We do not require any money from anyone until the job is complete and the customer is satisfied. You are able to file a claim 3x. If it is denied once, don't give up. You MUST hold the insurance companies liable for damage you have on your roof. If you wait too long, the wood gets damaged and insurance companies WILL NOT pay to replace the wood. On the insurance there is replacement coverage for your roof. We have never seen an insurance that did not include replacement coverage in the state of GA. We have been in business 30 years and have done it this way for 30 years. We are a very reputable company, we do GA and all the surrounding states (minus FL) and never had a problem with getting insurance to pay out that we could not fix. So, for people saying that premiums go up, that is not true right now. It is different from my perspective :) I am actually a commercial/residential sales manager for a roofing company and here is what happens on my end…we have many jobs that we get by referral, phone book, internet; etc. However, we do drive and when we see someone that has possible roof damage or obvious wind damage to their roof (whether it is residential or commercial) we stop. We go to the door/office and tell them that they may have damage to their roof. We, as well as many other roofing companies, work for insurance money. We will check out a roof for hail damage or wind damage. If it is obvious, like missing shingles, we do not go on the roof to double check. We give the customer a form to fill out and all that we ask for is name, address, phone number and insurance company name, phone number and a claim number. IN THE STATE OF GA, INSURANCE PREMIUMS ARE NOT ALLOWED TO GO UP DUE TO A CLAIM RIGHT NOW. Once we get a claim number, we contact the insurance company and schedule a time to meet them at the home. We go on the roof with them and show them what we see. If it is approved, we start the job. We do not require any money from anyone until the job is complete and the customer is satisfied. You are able to file a claim 3x. If it is denied once, don’t give up. You MUST hold the insurance companies liable for damage you have on your roof. If you wait too long, the wood gets damaged and insurance companies WILL NOT pay to replace the wood. On the insurance there is replacement coverage for your roof. We have never seen an insurance that did not include replacement coverage in the state of GA. We have been in business 30 years and have done it this way for 30 years. We are a very reputable company, we do GA and all the surrounding states (minus FL) and never had a problem with getting insurance to pay out that we could not fix. So, for people saying that premiums go up, that is not true right now. It is different from my perspective :)

]]> By: Jeff Aughey http://www.alphahomes.com/2008/07/28/hail-causes-roof-damage-or-opportunistic-insurance-claims/comment-page-1/#comment-1128 Jeff Aughey Tue, 31 Aug 2010 13:51:57 +0000 http://www.alphahomes.com/?p=255#comment-1128 Hi Todd, What an absolute pleasure for you to drop by with your insightful and witty comments! I wish you could have written more to enlighten me on what you disagreed with. It would be fun to debate with you but I am sure I would quickly succumb to your wit and intelligence. All the best, Jeff Hi Todd,

What an absolute pleasure for you to drop by with your insightful and witty comments! I wish you could have written more to enlighten me on what you disagreed with. It would be fun to debate with you but I am sure I would quickly succumb to your wit and intelligence. All the best, Jeff

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