OSUT 259: The essentials of a happy 4th of July: red, white, blue, and barbecue

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    Lpherr

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    Dec 26, 2021
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    Mornin' Lpherr! Depends on how the policy is written. I guess I should check on that before I go wishing too hard. :):
    Sadly, all companies are modifying policies in this manner. We discovered it because our premium went up and we called to find out why.
    Apparently, they don't even have the decency, to mail you the updates to the policy.
     

    Lpherr

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    Dec 26, 2021
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    I think this every time I see DD post this. Our insurance started charging us a surcharge when our roof hit a certain age. We redid it ourselves and had to send them copies of the receipts and photos to get that off of our bill.
    Ours is only 8 years old, with 30 year shingles.
    Next time, I will save the extra money and get 10 year shingles, if I'm going to have to replace them before their life expectancy is up.
     

    Brandon

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    Jun 28, 2010
    8,357
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    SE Indy
    State farm has decided they are not doing anything with my roof.

    I have decided as soon as a few things are taken care of I am dropping state farm and going with AmFam.
     

    smokingman

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    Nov 11, 2008
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    mitskidiamandis-dog.gif



    hiding-shy.gif
     

    BeDome

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    Mar 20, 2013
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    NOBLESVILLE
    It's pro-rated. So if your roof is over a few years old, you're going to foot the majority and up to the whole bill and have a claim on your insurance, that will raise your premium.
    While everything you mention tends to be true, my example from about five years ago when our old house roof was severely damaged in a thunderstorm, was tolerable.

    Insurance payment went up $20 per month. They paid out 8K for a new roof to my chosen contractor.
    My noncovered expenses, which included some reconstruction to some mating areas between house roof and garage roof, was about $300.

    I was pleased.

    I had worked up a sound system for the roofer's home a few years before and had maintained a relationship.

    When I called him for an estimate, he had bad news, but told me to make sure to let him know when the insurance adjuster, inspector people came so he could meet with them for me.

    He handled those insurance punks like an old salt of the game.
     
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