Insurance Question: How Do I Go About This?

• ernest_t_bass

  

  I have a leaky roof. I am going to repair it myself, put new shingles on. If the insurance company agrees to fix it, how do I go about this (getting a check from them) if I am doing the work myself? I basically want their money to cover the cost of the materials.
• Commander of Awesome

  

  Hire these guys
  
• ernest_t_bass

  

  Commander of Awesome;783028 wrote:Hire these guys
  

  
  OK
• justincredible

  

  ernest_t_bass;783022 wrote:I have a leaky roof. I am going to repair it myself, put new shingles on. If the insurance company agrees to fix it, how do I go about this (getting a check from them) if I am doing the work myself? I basically want their money to cover the cost of the materials.

  
  Why not see if they'll fix it and then get quotes so you don't have to do it yourself?
• Con_Alma

  Will the materials cost more than $1,000.00?
• karen lotz

  

  QQ
• ZWICK 4 PREZ

  

  have this guy do it
  
  
• OneBuckeye

  

  ZWICK 4 PREZ;783062 wrote:have this guy do it
  
  

  
  +1
• iclfan2

  

  ZWICK 4 PREZ;783062 wrote:have this guy do it
  
  

  
  +2
• Fab1b

  

  You would have to file a claim with your ins co for them to even inspect it
• ernest_t_bass

  

  ZWICK 4 PREZ;783062 wrote:have this guy do it
  
  

  
  Makes the most sense.
• ernest_t_bass

  

  Fab1b;783086 wrote:You would have to file a claim with your ins co for them to even inspect it

  
  Yep, have contacted insurance. But how do I go about getting the check if I'm doing work myself?
• ernest_t_bass

  

  Con_Alma;783052 wrote:Will the materials cost more than $1,000.00?

  
  I believe I have a $500 deductible.
• Con_Alma

  O.K., but will the materials or your total cost be more than a $1,000.00???
  
  It may not be worth making a claim if they aren't a lot higher than your deductible. Your insurance should be in place to cover catastrophic damage not necessarily smaller damages.
• karen lotz

  

  ernest_t_bass;783117 wrote:I believe I have a $500 deductible.

  
  Ok.
• WebFire

  Why is the roof leaking? Was it damage by an object. Insurance doesn't just pay for home improvement projects.
• ernest_t_bass

  

  karen lotz;783134 wrote:Ok.

  
  OK?
• ernest_t_bass

  

  WebFire;783137 wrote:Why is the roof leaking? Was it damage by an object. Insurance doesn't just pay for home improvement projects.

  
  Been in the house for two months. Shingles coming off. Leaky sky-lights.
• Steel Valley Football

  Sounds fishy.
• Con_Alma

  Is it a newly constructed house?
  
  I'm no insurance adjuster but based on what you have shared I don't believe this is even something that should be covered.
  
  Stuff wears out...even on a house. When that deterioration shows up it's your responsibility to fix it.
  
  Now if a storm caused the damage as opposed to the storm revealing the damage that's another story.
  
  A couple of shingles blown off and a leaking skylight just doesn't seem like a storm caused result to me.
• ernest_t_bass

  

  Con_Alma;783167 wrote:Is it a newly constructed house?
  
  I'm no insurance adjuster but based on what you have shared I don't believe this is even something that should be covered.
  
  Stuff wears out...even on a house. When that deterioration shows up it's your responsibility to fix it.
  
  Now if a storm caused the damage as opposed to the storm revealing the damage that's another story.
  
  A couple of shingles blown off and a leaking skylight just doesn't seem like a storm caused result to me.

  
  Kinda what I figured. I'll have the insurance lady take a look anyway, just for shits and giggles.
• Con_Alma

  Might as well. If you don't make a claim it doesn't seem like there would be any harm in having them take a look.
• kayo

  Why the hell didn't you ask the insurance company when you talked to them?
  
  "Y'know, I'll probably get a better answer from the morons on OC"
• vball10set

  ernest_t_bass;783111 wrote:Makes the most sense.

  
  I agree
• vball10set

  ZWICK 4 PREZ;783062 wrote:have this guy do it
  
  

  ernest_t_bass;783111 wrote:Makes the most sense.

  
  I agree